Company: ISBA
Filing Date: 2025-05-08
Form Type: 10-Q
Source: 0000842517-25-000099
Chunk: 70

Company: ISABELLA BANK CORP
Filing Date: 2025-05-08
Form: 10-Q
Item: Part I, Item 1
Chunk 70
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0.44 $0.47 $0.42 Diluted earnings0.53 0.54 0.44 0.46 0.42 Adjusted diluted earnings (1)0.57 0.52 0.61 0.46 0.41 Dividends0.28 0.28 0.28 0.28 0.28 Book value (2)29.10 28.32 28.63 27.06 26.80 Tangible book value (2)22.58 21.82 22.14 20.60 20.35 Market price (2)23.59 25.99 21.21 18.20 19.40 PERFORMANCE RATIOSReturn on average total assets0.77 %0.76 %0.62 %0.68 %0.61 %Adjusted return on average total assets (1)0.83 %0.74 %0.87 %0.68 %0.60 %Return on average shareholders' equity7.48 %7.47 %6.26 %6.97 %6.19 %Adjusted return on average shareholders' equity (1)8.05 %7.29 %8.70 %6.96 %6.08 %Return on average tangible shareholders' equity9.65 %9.66 %8.15 %9.19 %8.12 %Adjusted return on average tangible shareholders' equity (1)10.40 %9.43 %11.32 %9.17 %7.97 %Net interest margin yield (FTE) (1)3.06 %2.98 %2.96 %2.82 %2.79 %Efficiency ratio (1)72.39 %71.20 %72.30 %73.93 %74.84 %Gross loan to deposit ratio (2)76.07 %81.48 %79.93 %80.22 %77.22 %Shareholders' equity to total assets (2)10.25 %10.08 %10.11 %9.82 %9.75 %Tangible shareholders' equity to tangible assets (2