Company: ISBA
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000842517-25-000210
Chunk: 79

Company: ISABELLA BANK CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 1
Chunk 79
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73.65 %Gross loan to deposit ratio (1)74.36 %75.57 %76.07 %81.48 %79.93 %74.36 %79.93 %Shareholders' equity to total assets (1)10.06 %10.23 %10.25 %10.08 %10.11 %10.06 %10.11 %Tangible shareholders' equity to tangible assets (1) (2)8.10 %8.17 %8.14 %7.95 %8.00 %8.10 %8.00 %FINANCIAL DATA (in millions)Total assets (1)$2,260 $2,156 $2,103 $2,086 $2,107 $2,260 $2,107 AFS securities (1)512 501 513 489 507 512 507 Gross loans (1)1,432 1,398 1,368 1,424 1,424 1,432 1,424 ACL (1)13 13 13 13 13 13 13 Deposits (1)1,926 1,849 1,798 1,747 1,782 1,926 1,782 Borrowed funds (1)92 73 77 113 97 92 97 Shareholders' equity (1)227 221 216 210 213 227 213 Wealth assets under management (1)680 679 657 658 680 680 680 Net income5 5 4 4 3 14 10 Interest income25 23 23 23 23 71 67 Interest expense9 8 8 9 9 25 26 Net interest income16 15 15 15 14 46 41 Provision for (reversal of) credit losses— (1)— — 1 (1)2 Noninterest income4 4 4 4 4 12 11 Noninterest expenses14 14 13 13 13 41 39 

(1) At end of period.

(2) Non-GAAP financial measure; refer to the "Reconciliation of Non-G