Company: ISBA
Filing Date: 2025-08-11
Form Type: 10-Q
Source: 0000842517-25-000135
Chunk: 96

Company: ISABELLA BANK CORP
Filing Date: 2025-08-11
Form: 10-Q
Item: Part I, Item 1
Chunk 96
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 213 232 237 362 483 Net interest income (FTE)(C)15,307 14,709 14,768 14,720 13,787 30,016 27,275 Noninterest income3,686 3,528 3,972 3,528 3,608 7,214 7,076 Tax equivalent adjustment for efficiency ratio63 78 54 53 53 141 104 Adjusted revenue (FTE)19,056 18,315 18,794 18,301 17,448 37,371 34,455 Non-GAAP revenue (loss) adjustment(120)(55)74 4 6 (175)75 Adjusted revenue(D)$19,176 $18,370 $18,720 $18,297 $17,442 $37,546 $34,380 Efficiency ratio(B/D)70.53 %71.73 %71.08 %72.30 %73.93 %71.12 %74.37 %Average earning assets(E)1,949,129 1,943,633 1,963,986 1,967,552 1,948,173 1,946,396 1,945,965 Net yield on interest earning assets (FTE)(C/E)3.14 %3.06 %2.98 %2.96 %2.82 %3.10 %2.81 %

55

Three Months EndedSix Months EndedJune 302025March 312025December 312024September 302024June 302024June 302025June 302024Average assets(F)2,092,687 2,085,537 2,094,569 2,095,200 2,067,211 2,089,129 2,066,987 Average shareholders' equity(G)219,542 214,212 212,912 208,444 200,734 216,893 202,094 Average tangible shareholders' equity(H)171,260 165,929 164,629 160,161 152.451 168,611 153,810 Average diluted shares outstanding (5)(I)7,398,109 7,432,162 7,451,718 7,473