Company: ISBA
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000842517-25-000210
Chunk: 86

Company: ISABELLA BANK CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 1
Chunk 86
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12,895 $12,635 $13,095 Charge-offs175 390 172 299 1,767 Recoveries101 1,822 224 197 408 Net loan charge-offs (recoveries)74 (1,432)(52)102 1,359 (Reversal of) provision for credit losses - loans246 (1,190)(212)362 899 Allowance at end of period$13,149 $12,977 $12,735 $12,895 $12,635 ACL to gross loans0.92 %0.93 %0.93 %0.91 %0.89 %Reserve for unfunded commitments671 708 617 512 498 Provision for credit losses - unfunded commitments(37)91 105 14 47 Reserve to unfunded commitments0.16 %0.16 %0.14 %0.15 %0.15 %NET LOAN CHARGE-OFFS (RECOVERIES)Commercial and industrial$(6)$68 $(80)$13 $(6)Commercial real estate(4)(50)(2)(2)(318)Agricultural— — — (4)— Residential real estate(16)(16)(13)(16)(20)Consumer100 (1,434)43 111 1,703 Total$74 $(1,432)$(52)$102 $1,359 Net (recoveries) charge-offs (Quarter to Date annualized to average loans)0.02 %(0.41)%(0.02)%0.03 %0.39 %Net (recoveries) charge-offs (Year to Date annualized to average loans)(0.14)%(0.22)%(0.02)%0.14 %0.17 %DELINQUENT AND NONACCRUAL LOANSAccruing loans 30-89 days past due$500 $1,076 $5,555 $5,682 $2,226 Accruing loans past due 90 days or more18 31 26 19 64 Total accruing past due loans518 1,107 5,581 5,701 2,290 Nonaccrual loans3,443 1,164 173