Company: ISBA
Filing Date: 2025-03-12
Form Type: 10-K
Source: 0000842517-25-000053
Chunk: 106

Company: ISABELLA BANK CORP
Filing Date: 2025-03-12
Form: 10-K
Item: Item 8
Chunk 106
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 earnings.•Collateral has marginal or no value.•Debtor cannot be located.•Over 120 days delinquent.

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Table of Contents

Our primary credit quality indicator for residential real estate and consumer loans is the individual loan’s past due status.  The following tables display residential real estate and consumer loans by payment status and year of origination as of December 31:2024 20242023202220212020PriorRevolvingLoansRevolving Loans Converted to TermTotalResidential real estate:  Senior lienCurrent$55,991 $35,105 $45,916 $73,607 $47,057 $62,303 $— $8,579 $328,558 Past due 30-89 days173 162 331 287 907 2,043 — — 3,903 Past due 90 or more days— — — — — — — — — Nonaccrual— — — 163 28 91 — — 282 Total$56,164 $35,267 $46,247 $74,057 $47,992 $64,437 $— $8,579 $332,743 Current year-to-date gross charge-offs$— $— $— $— $— $10 $— $— $10 Residential real estate:  Junior lienCurrent$4,229 $3,092 $800 $86 $71 $358 $— $— $8,636 Past due 30-89 days— — — 19 — — — — 19 Past due 90 or more days— — — — — — — — — Nonaccrual— — — — — — — — — Total$4,229 $3,092 $800 $105 $71 $358 $— $— $8,655 Current year-to-date gross charge-offs$— $— $— $— $— $— $— $— $— Residential real estate:  Home equity lines of creditCurrent$— $— $— $—