isba-20250130

0000842517-25-000016.txt : 20250131 0000842517-25-000016.hdr.sgml : 20250131 20250130194743 ACCESSION NUMBER: 0000842517-25-000016 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20250130 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20250131 DATE AS OF CHANGE: 20250130 FILER: COMPANY DATA: COMPANY CONFORMED NAME: ISABELLA BANK Corp CENTRAL INDEX KEY: 0000842517 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance IRS NUMBER: 382830092 STATE OF INCORPORATION: MI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-18415 FILM NUMBER: 25575376 BUSINESS ADDRESS: STREET 1: 401 NORTH MAIN STREET CITY: MT PLEASANT STATE: MI ZIP: 48858 BUSINESS PHONE: 9897729471 MAIL ADDRESS: STREET 1: 401 NORTH MAIN STREET CITY: MT PLEASANT STATE: MI ZIP: 48858 FORMER COMPANY: FORMER CONFORMED NAME: ISABELLA BANK CORP DATE OF NAME CHANGE: 20080602 FORMER COMPANY: FORMER CONFORMED NAME: IBT BANCORP INC /MI/ DATE OF NAME CHANGE: 19920703 8-K 1 isba-20250130.htm 8-K isba-20250130

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 30, 2025

ISABELLA BANK CORPORATION

(Exact name of registrant as specified in its charter)

Michigan

000-18415

38-2830092

(State or other jurisdiction
of incorporation)

(Commission
File Number)

(IRS Employer
Identification No.)

401 North Main Street

Mt. Pleasant

Michigan

48858-1649

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code: (989) 772-9471

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)


☐			Soliciting material pursuant to Rule l4a-12 under the Exchange Act (17 CFR 240.l4a-l2)


☐			Pre-commencement communications pursuant to Rule l4d-2(b) under the Exchange Act (17 CFR 240.l4d-2(b))


☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.l3e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
None	N/A	N/A

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).


			Emerging growth company			☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Section 2 - Financial Information

Item 2.02 Results of Operations and Financial Condition.

On January 30, 2025, Isabella Bank Corporation issued a press release announcing its financial results for the quarter and year ended December 31, 2024.

A copy of the press release is filed as Exhibit 99.1 to this Form 8-K and is incorporated herein by reference.

The information in this Item 2.02 of Form 8-K and Exhibit 99.1 attached hereto shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference in any filing made by the registrant under the Securities Act of 1933, whether made before or after the date hereof, except as shall be expressly set forth by specific reference in such filing.

Section 9 - Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits:


Exhibit No.						Description

99.1						Press release issued January 30, 2025
104						Cover page interactive data file - the cover page XBRL tags are embedded within the inline XBRL document

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ISABELLA BANK CORPORATION

Dated:

January 30, 2025

By:

/s/ Jerome E. Schwind

Jerome E. Schwind, President and CEO

INDEX TO EXHIBITS


Exhibit No.						Description

99.1						Press release issued January 30, 2025
104						Cover page interactive data file - the cover page XBRL tags are embedded within the inline XBRL document

EX-99.1 2 earningsrelease_20241231xe.htm EX-99.1 Document

Exhibit 99.1

Isabella Bank Corporation Reports Fourth Quarter 2024 Results

MT. PLEASANT, MICHIGAN — January 30, 2025 — Isabella Bank Corporation (OTCQX: ISBA) (the “Company” or "we") reported fourth quarter 2024 net income of $4.0 million, or $0.54 per diluted share, an increase compared to $3.8 million, or $0.51 per diluted share in the same quarter of 2023. The non-GAAP measure of core earnings in the fourth quarter 2024 totaled $3.9 million, or $0.52 per diluted share, an increase compared to $3.8 million, or $0.50 per diluted share for the same quarter of 2023.

For the full year, net income was $13.9 million, or $1.86 per diluted share, compared to $18.2 million, or $2.40 per diluted share for 2023. The non-GAAP measure of 2024 core earnings was $15.0 million, or $2.01 per diluted share, compared to $18.0 million, or $2.37 per diluted share, in 2023.

FOURTH QUARTER 2024 HIGHLIGHTS (compared to fourth quarter 2023, unless otherwise stated)

•Return on assets of 0.76%, compared to 0.73%

•Core loan growth of 4% annualized, compared to 6%

•Net interest margin of 2.99%, compared to 2.83%

•Noninterest income growth of 13%, compared to 3%

•Net loan charge-offs to average loans of 0.01%, compared to 0.03%

“Over the past several quarters we've emphasized that our financial performance is based on the strength of our core operations and maintaining our earnings momentum, and this quarter reflected the same focus,” said the Chief Executive Officer Jerome Schwind. He noted that net interest margin expanded again in the fourth quarter, when non-recurring loan recoveries are excluded, and continue to grow core loans while adhering to our disciplined credit culture.

"We enter 2025 looking forward to continued repricing of low fixed rate loans to variable rates, and the redeployment of more than $70 million of securities that will amortize and mature during the year," Schwind added. "Our teams also have been working on initiatives that will drive higher noninterest income, mostly in the second half of 2025. We are well-positioned to deliver long-term value to our shareholders in 2025 and beyond.

"What sets Isabella Bank apart is the talent, dedication, and teamwork of our employees, who continue to deliver exceptional service and financial strength, as noted by reader's choice awards across our market," Schwind added. In September 2024, the Company was honored as the Best Bank in Isabella County by The Morning Sun People’s Choice Awards. In December 2024, Midland Daily News recognized Isabella Bank as the Best Bank in Midland County through its Reader’s Choice Awards. Most recently, in January 2025, The Pioneer named Isabella Bank the Best Bank in Mecosta County serving the Big Rapids region in its Pioneer All Area Reader’s Choice Awards.

FINANCIAL CONDITION (December 31, 2024 compared to September 30, 2024, unless otherwise noted)

Total assets were $2.1 billion, down $20.7 million, primarily due to relatively flat total loans and a decline in available-for-sale (AFS) securities from amortization, maturities and a lower valuation of the portfolio in the fourth quarter.

AFS securities were $489.0 million, down $17.8 million, at the end of fourth quarter 2024. The decrease was due to a $5.5 million increase in the net unrealized loss and $17.7 million of amortization and maturities related to agency and municipal securities, offset by $5,400 of municipal bond purchases. Net unrealized losses on securities

totaled $26 million and $21 million at the end of the fourth and third quarters, respectively. Net unrealized losses as a percentage of total AFS securities increased to 5% from 4% at the end of the third quarter of 2024 due to an increase in bond yields. While bond rates may vary from quarter to quarter, unrealized losses are expected to decrease as bonds approach their maturity dates over the next two years.

Total loans remained steady at $1.42 billion at the end of the fourth quarter, due to an increase of $11.0 million in residential loans and $4.3 million in commercial and industrial loans, offset by a $13.1 million decrease in advances to mortgage brokers. The increase in residential loans was related to steady new volume and continued slowing of prepayments. The growth in commercial and industrial loans primarily was in the hotel and construction industries. While commercial real estate loans remained relatively flat with the third quarter of 2024, the fourth quarter included a payoff of a $6.4 million relationship that had an elevated credit risk. Core loans, which excluded advances to mortgage brokers, grew $12.4 million or 4% on an annualized basis.

The allowance for credit losses increased $260 thousand to $12.9 million at the end of the fourth quarter of 2024. The increase mostly reflects $118 thousand from core loan growth, and the impact from a few commercial loans migrating to a special mention risk rating during the quarter. The downgraded loans are well collateralized and are not an indication of a negative trend in the broader portfolio. Nonaccrual loan balances decreased $265 thousand to $282 thousand at the end of the fourth quarter of 2024. Past due and accruing accounts between 30 to 89 days, as a percentage of total loans, was 0.40% compared to 0.16% at the end of third quarter 2024. The increase primarily was due to customers who typically make payments about 30 days in arrears, which becomes overdue in months with 31 days. Accordingly, the increase is not believed to be an indication of deteriorating credit quality.

Total deposits were $1.75 billion, down $34.8 million, at the end of the fourth quarter. The slight decrease primarily was due to an outflow from businesses and municipalities consistent with normal seasonal patterns, in addition to some expected outflows to fund large, regional projects. Certificates of Deposit accounts (CDs) were up $4.0 million, driven by the rate environment that attracted customers and investors as a safe place with a competitive rate.

Tangible book value per share was $21.82 as of December 31, 2024, compared to $22.14 on September 30, 2024. Net unrealized losses on AFS securities reduced tangible book value per share by $2.82 and $2.23 for the respective periods. Share repurchases totaled 27,608 during the fourth quarter for a value of $657 thousand at an average price of $23.80.

RESULTS OF OPERATIONS (December 31, 2024 to December 31, 2023 quarterly comparison, unless otherwise noted)

Net interest margin (NIM) was 2.99%, an increase from 2.98% last quarter and 2.83% in the fourth quarter of 2023. During the third quarter, we recovered the full contractual interest from two commercial loans that previously were charged off, which contributed 6 basis points to NIM. The book yield from securities was 2.18% and 2.23% during fourth quarters of 2024 and 2023, respectively. The weighted average maturity of our U.S. Treasury portfolio is less than 1.4 years, and the proceeds are expected to be reinvested in market rate loans and securities, or to pay off borrowed funds. The yield on loans expanded to 5.67% in fourth quarter, up from 5.20% in the same quarter of 2023. The expansion in loan yields was a result of higher rates on new loans and fixed rate commercial loans that have and continue to reprice to variable rates. At the end of the fourth quarter, approximately 40% of commercial loans were fixed at rates lower than current market rates, but the majority will contractually reprice to variable rates over the next four years. Cost of interest-bearing liabilities increased to 2.38% from 2.11% in the fourth quarter of 2023, but have stabilized compared to the cost in the previous quarter of 2.43%.

The provision for credit losses in the fourth quarter 2024 was $376 thousand, which reflects the $260 thousand change in the allowance for credit losses on loans and net charge-offs totaling $102 thousand. The provision for loan losses in the same period of 2023 was $684 thousand reflecting $200 thousand from growth in core loans and $381 thousand in net charge-offs. Charge-offs in the fourth quarter of 2023 included a $247 thousand write down of a commercial and industrial loan that was recovered in the third quarter of 2024.

Noninterest income was $4.0 million, an increase from $3.5 million in the fourth quarter of 2023. Customer service fees grew $81 thousand based on a higher number of transactional accounts. Wealth management income increased $119 thousand, or 13%, due to higher assets under management (AUM). Average AUM in the fourth quarter 2024 increased $53.6 million, or 9% over the prior year quarter, driven by growth in new accounts and higher security valuations. Other noninterest income in the fourth quarter 2024 included a $103 thousand recovery from a security that was written down in a previous year and $74 thousand from net gains on foreclosed assets.

Noninterest expenses were $13.3 million in the fourth quarter 2024 compared to $11.9 million in same quarter of 2023. The change mostly was due to higher compensation and benefit expenses totaling $1.2 million, which reflect annual merit increases in 2024 and more medical insurance claims compared to the fourth quarter of 2023.

About the Corporation

Isabella Bank Corporation (OTCQX: ISBA) is the parent holding company of Isabella Bank, a state-chartered community bank headquartered in Mt. Pleasant, Michigan. Isabella Bank was established in 1903 and has been committed to serving its customers' and communities' local banking needs for over 120 years. The Bank offers personal and commercial lending and deposit products, as well as investment, trust, and estate planning services. The Bank has locations throughout eight Mid-Michigan counties: Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw.

For more information about Isabella Bank Corporation, visit the Investor Relations link at www.isabellabank.com. Isabella Bank Corporation common stock is quoted on the OTCQX tier of the OTC Markets Group, Inc.’s electronic quotation system (www.otcmarkets.com) under the symbol “ISBA.” The Corporation’s investor relations firm is Stonegate Capital Partners, Inc. (www.stonegateinc.com).

Contact

Lori Peterson, Director of Marketing

Phone: 989-779-6333 Fax: 989-775-5501

Forward-Looking Statements

Information in this release contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Rule 175 promulgated thereunder, and Section 21E of the Securities Exchange Act of 1934, as amended and Rule 3b-6 promulgated thereunder. We intend such forward looking statements to be covered by the safe harbor provisions for forward looking statements contained in the Private Securities Litigation Reform Act of 1995, and are included in this statement for purposes of these safe harbor provisions. Forward-looking statements generally relate to losses, impact of events, financial condition, plans, objectives, outlook for earnings, revenues, expenses, capital and liquidity levels and ratios, asset levels, asset quality, financial position, and other matters regarding or affecting the Company and its future business and operations. Forward-looking statements are typically identified by words or phrases such as “will likely result", “expect”, “plan”, “believe”, “estimate”, “anticipate”, “strategy”, “trend”, “forecast”, “outlook”, “project”, “intend”, “assume”, “outcome”, “continue”, “remain”, “potential”, “opportunity”, “comfortable”, “current”, “position”, “maintain”, “sustain”, “seek”, “achieve” and variations of such words and similar expressions, or future or conditional verbs such as will, would, should, could or may. Although we believe the assumptions upon which these forward-looking statements are based are reasonable, any of these assumptions could prove to be inaccurate and the forward-looking statements based on these assumptions could be incorrect. The matters discussed in these forward-looking statements are subject to various risks, uncertainties and other factors that could cause actual results and trends to differ materially from those made, projected, or implied in or by the forward-looking statements depending on a variety of uncertainties or other factors described in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023, or included in any subsequent filing by the Company with the Securities and Exchange Commission. Forward-looking statements are based on beliefs and assumptions using information available at the time the statements are made. The Company cautions you not to unduly rely on forward-looking statements because the assumptions, beliefs, expectations, and projections about future events may, and often do, differ materially from actual results. Any forward-looking statement speaks only as to the date on which it is made, and we undertake no obligation to update any forward-looking statement to reflect developments occurring after the statement is made.

Non-GAAP Financial Measures

This document contains certain non-GAAP financial measures in addition to results presented in accordance with accounting principles generally accepted in the United States of America (“GAAP”). These non-GAAP measures are intended to provide the reader with additional supplemental perspectives on operating results, performance trends, and financial condition. Non-GAAP financial measures are not a substitute for GAAP measures; they should be read and used in conjunction with the Company's GAAP financial information. Because non-GAAP financial measures presented in this document are not measurements determined in accordance with GAAP and are susceptible to varying calculations, these non-GAAP financial measures, as presented, may not be comparable to other similarly titled measures presented by other companies. A reconciliation of non-GAAP financial measures to GAAP measures is provided in this release.


Table Index			Consolidated Financial Schedules (Unaudited)
A			Selected Financial Data
B			Consolidated Balance Sheets - Quarterly Trend
C			Consolidated Statements of Income
D			Consolidated Statements of Income - Quarterly Trend
E			Average Yields and Costs
F			Average Balances
G			Asset Quality Analysis
H			Consolidated Loan and Deposit Analysis
I			Reconciliation of Non-GAAP Financial Measures

SELECTED FINANCIAL DATA (UNAUDITED)

(Dollars in thousands except per share amounts and ratios)


	Three Months Ended
	December 31 2024			September 30 2024			June 30 2024			March 31 2024			December 31 2023
PER SHARE
Basic earnings	$	0.54		$	0.44		$	0.47		$	0.42		$	0.51
Diluted earnings	0.54			0.44			0.46			0.42			0.51
Core diluted earnings (2)	0.52			0.61			0.46			0.41			0.50
Dividends	0.28			0.28			0.28			0.28			0.28
Book value (1)	28.32			28.63			27.06			26.80			27.04
Tangible book value (1)	21.82			22.14			20.60			20.35			20.59
Market price (1)	25.99			21.21			18.20			19.40			21.50
Common shares outstanding (1) (3)	7,424,893			7,438,720			7,474,016			7,488,101			7,485,889
Average number of diluted common shares outstanding (3)	7,453,033			7,473,184			7,494,828			7,507,739			7,526,515
PERFORMANCE RATIOS
Return on average total assets	0.76		%	0.62		%	0.68		%	0.61		%	0.73		%
Core return on average total assets (2)	0.74		%	0.87		%	0.68		%	0.60		%	0.73		%
Return on average shareholders' equity	7.47		%	6.26		%	6.97		%	6.19		%	7.98		%
Core return on average shareholders' equity (2)	7.29		%	8.70		%	6.96		%	6.08		%	7.97		%
Return on average tangible shareholders' equity	9.66		%	8.15		%	9.19		%	8.12		%	10.73		%
Core return on average tangible shareholders' equity (2)	9.43		%	11.32		%	9.17		%	7.97		%	10.71		%
Net interest margin yield (fully taxable equivalent) (2)	2.99		%	2.98		%	2.85		%	2.79		%	2.83		%
Efficiency ratio (2)	71.20		%	72.30		%	73.93		%	74.84		%	68.41		%
Gross loan to deposit ratio (1)	81.48		%	79.93		%	80.22		%	77.22		%	78.29		%
Shareholders' equity to total assets (1)	10.08		%	10.11		%	9.82		%	9.75		%	9.83		%
Tangible shareholders' equity to tangible assets (1)	7.95		%	8.00		%	7.65		%	7.58		%	7.66		%
ASSETS UNDER MANAGEMENT
Wealth assets under management (1)	658,042			679,858			647,850			660,645			641,027
ASSET QUALITY
Nonaccrual loans (1)	282			547			994			1,283			982
Foreclosed assets (1)	544			546			629			579			406
Net loan charge-offs (recoveries)	102			1,359			393			46			381
Net loan charge-offs (recoveries) to average loans outstanding	0.01		%	0.10		%	0.03		%	0.00		%	0.03		%
Nonperforming loans to gross loans (1)	0.02		%	0.04		%	0.07		%	0.09		%	0.08		%
Nonperforming assets to total assets (1)	0.04		%	0.06		%	0.08		%	0.09		%	0.07		%
Allowance for credit losses to gross loans (1)	0.91		%	0.89		%	0.95		%	0.98		%	0.97		%
CAPITAL RATIOS (1)
Tier 1 leverage	8.86		%	8.77		%	8.83		%	8.80		%	8.76		%
Common equity tier 1 capital	12.21		%	12.08		%	12.37		%	12.36		%	12.54		%
Tier 1 risk-based capital	12.21		%	12.08		%	12.37		%	12.36		%	12.54		%
Total risk-based capital	15.06		%	14.90		%	15.29		%	15.31		%	15.52		%

(1) At end of period

(2) Non-GAAP financial measure; refer to the Reconciliation of Non-GAAP Financial Measures (Unaudited) in table I

(3) Whole shares

CONSOLIDATED BALANCE SHEETS (UNAUDITED)

(Dollars in thousands)


	December 31 2024		September 30 2024		June 30 2024		March 31 2024		December 31 2023
ASSETS
Cash and demand deposits due from banks	$	22,830	$	27,019	$	22,690	$	22,987	$	25,628
Fed Funds sold and interest bearing balances due from banks	1,712		359		869		2,231		8,044
Total cash and cash equivalents	24,542		27,378		23,559		25,218		33,672

Available-for-sale securities, at fair value	489,029		506,806		505,646		517,585		528,148
Federal Home Loan Bank stock	12,762		12,762		12,762		12,762		12,762
Mortgage loans held-for-sale	242		504		637		366		—

Loans	1,423,571		1,424,283		1,381,636		1,365,508		1,349,463
Less allowance for credit losses	12,895		12,635		13,095		13,390		13,108
Net loans	1,410,676		1,411,648		1,368,541		1,352,118		1,336,355

Premises and equipment	27,659		27,674		27,843		27,951		27,639
Bank-owned life insurance policies	34,882		34,625		34,382		34,131		33,892
Goodwill and other intangible assets	48,283		48,283		48,283		48,284		48,284
Other assets	38,166		37,221		38,486		39,161		38,216
Total assets	$	2,086,241	$	2,106,901	$	2,060,139	$	2,057,576	$	2,058,968
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities
Demand deposits	$	416,373	$	421,493	$	412,193	$	413,272	$	428,505
Interest bearing demand deposits	341,366		376,592		338,329		349,401		320,737
Savings	601,730		600,150		603,328		639,491		628,079
Certificates of deposit	387,591		383,597		368,449		366,143		346,374
Total deposits	1,747,060		1,781,832		1,722,299		1,768,307		1,723,695
Short-term borrowings	53,567		52,434		44,194		42,998		46,801
Federal Home Loan Bank advances	30,000		15,000		45,000		—		40,000
Subordinated debt, net of unamortized issuance costs	29,424		29,402		29,380		29,357		29,335
Total borrowed funds	112,991		96,836		118,574		72,355		116,136

Other liabilities	15,914		15,248		17,017		16,240		16,735
Total liabilities	1,875,965		1,893,916		1,857,890		1,856,902		1,856,566
Shareholders’ equity
Common stock	126,224		125,218		126,126		126,656		127,323
Shares to be issued for deferred compensation obligations	2,383		3,981		3,951		3,890		3,693
Retained earnings	103,024		101,065		99,808		98,318		97,282
Accumulated other comprehensive income (loss)	(21,355)		(17,279)		(27,636)		(28,190)		(25,896)
Total shareholders’ equity	210,276		212,985		202,249		200,674		202,402
Total liabilities and shareholders' equity	$	2,086,241	$	2,106,901	$	2,060,139	$	2,057,576	$	2,058,968

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

(Dollars in thousands except per share amounts)


	Year Ended December 31
	2024		2023
Interest income
Loans	$	77,295	$	65,670
Available-for-sale securities	11,093		12,156
Federal Home Loan Bank stock	640		355
Federal funds sold and other	950		1,450
Total interest income	89,978		79,631
Interest expense
Deposits	29,690		18,352
Short-term borrowings	1,439		961
Federal Home Loan Bank advances	1,949		1,309
Subordinated debt, net of unamortized issuance costs	1,065		1,065
Total interest expense	34,143		21,687
Net interest income	55,835		57,944
Provision for credit losses	1,884		629
Net interest income after provision for credit losses	53,951		57,315
Noninterest income
Service charges and fees	8,626		8,297
Wealth management fees	4,041		3,557
Earnings on bank-owned life insurance policies	1,007		920
Net gain on sale of mortgage loans	213		317
Other	689		736
Total noninterest income	14,576		13,827
Noninterest expenses
Compensation and benefits	28,576		25,905
Occupancy and equipment	10,524		10,297
Other professional services	2,212		2,340
ATM and debit card fees	1,975		1,767
FDIC insurance premiums	1,132		922
Other	7,710		8,079
Total noninterest expenses	52,129		49,310
Income before income tax expense	16,398		21,832
Income tax expense	2,509		3,665
Net income	$	13,889	$	18,167
Earnings per common share
Basic	$	1.86	$	2.42
Diluted	1.86		2.40
Cash dividends per common share	1.12		1.12

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

(Dollars in thousands except per share amounts)


	Three Months Ended
	December 31 2024		September 30 2024		June 30 2024		March 31 2024		December 31 2023
Interest income
Loans	$	20,145	$	20,230	$	18,863	$	18,057	17,580
Available-for-sale securities	2,656		2,749		2,804		2,884		2,926
Federal Home Loan Bank stock	168		168		158		146		129
Federal funds sold and other	200		194		263		293		421
Total interest income	23,169		23,341		22,088		21,380		21,056
Interest expense
Deposits	7,583		7,631		7,313		7,163		6,399
Short-term borrowings	413		384		321		321		357
Federal Home Loan Bank advances	352		571		638		388		422
Subordinated debt, net of unamortized issuance costs	266		267		266		266		266
Total interest expense	8,614		8,853		8,538		8,138		7,444
Net interest income	14,555		14,488		13,550		13,242		13,612
Provision for credit losses	376		946		170		392		684
Net interest income after provision for credit losses	14,179		13,542		13,380		12,850		12,928
Noninterest income
Service charges and fees	2,293		2,159		2,128		2,046		2,212
Wealth management fees	1,051		1,003		1,048		939		932
Earnings on bank-owned life insurance policies	259		252		253		243		239
Net gain on sale of mortgage loans	75		37		67		34		85
Other	294		77		112		206		48
Total noninterest income	3,972		3,528		3,608		3,468		3,516
Noninterest expenses
Compensation and benefits	7,340		7,251		6,970		7,015		6,116
Occupancy and equipment	2,554		2,645		2,619		2,706		2,554
Other professional services	584		588		527		513		576
ATM and debit card fees	516		503		487		469		487
FDIC insurance premiums	309		291		280		252		233
Other	2,027		1,950		2,012		1,721		1,949
Total noninterest expenses	13,330		13,228		12,895		12,676		11,915
Income before income tax expense	4,821		3,842		4,093		3,642		4,529
Income tax expense	825		561		612		511		726
Net income	$	3,996	$	3,281	$	3,481	$	3,131	$	3,803
Earnings per common share
Basic	$	0.54	$	0.44	$	0.47	$	0.42	$	0.51
Diluted	0.54		0.44		0.46		0.42		0.51
Cash dividends per common share	0.28		0.28		0.28		0.28		0.28

AVERAGE YIELDS AND COSTS (UNAUDITED)

The following schedules present yield and daily average amounts outstanding for each major category of interest earning assets, non-earning assets, interest bearing liabilities, and noninterest bearing liabilities. For analytical purposes, interest income is reported on a fully taxable equivalent (FTE) basis using a federal income tax rate of 21%. Federal Reserve Bank restricted equity holdings are included in other interest earning assets.


	Three Months Ended
	December 31 2024		September 30 2024		June 30 2024		March 31 2024		December 31 2023
INTEREST EARNING ASSETS
Loans (1)	5.67	%	5.73	%	5.52	%	5.38	%	5.20	%
Available-for-sale securities	2.18	%	2.21	%	2.24	%	2.26	%	2.23	%
Federal Home Loan Bank stock	5.24	%	5.24	%	4.98	%	4.60	%	4.04	%
Fed funds sold	4.59	%	5.55	%	5.51	%	5.72	%	5.71	%
Other	5.00	%	5.29	%	7.53	%	4.67	%	6.20	%
Total interest earning assets	4.74	%	4.77	%	4.61	%	4.47	%	4.35	%
INTEREST BEARING LIABILITIES
Interest bearing demand deposits	0.41	%	0.33	%	0.39	%	0.48	%	0.63	%
Savings	2.17	%	2.28	%	2.18	%	2.11	%	1.76	%
Certificates of deposit	4.07	%	4.13	%	4.01	%	3.84	%	3.60	%
Short-term borrowings	3.30	%	3.17	%	3.18	%	3.18	%	2.83	%
Federal Home Loan Bank advances	4.77	%	5.60	%	5.64	%	5.64	%	5.64	%
Subordinated debt, net of unamortized issuance costs	3.60	%	3.61	%	3.64	%	3.65	%	3.60	%
Total interest bearing liabilities	2.38	%	2.43	%	2.39	%	2.28	%	2.11	%
Net yield on interest earning assets (FTE) (2)	2.99	%	2.98	%	2.85	%	2.79	%	2.83	%

Net interest spread	2.36	%	2.34	%	2.22	%	2.19	%	2.24	%

(1) Includes loans held-for-sale and nonaccrual loans

(2) Non-GAAP financial measure; refer to the Reconciliation of Non-GAAP Financial Measures (Unaudited) in table I

AVERAGE BALANCES (UNAUDITED)

(Dollars in thousands)


	Three Months Ended
	December 31 2024		September 30 2024		June 30 2024		March 31 2024		December 31 2023
INTEREST EARNING ASSETS
Loans (1)	$	1,412,578	$	1,403,810	$	1,375,523	$	1,348,749	$	1,340,271
Available-for-sale securities (2)	522,733		536,379		545,827		557,030		564,068
Federal Home Loan Bank stock	12,762		12,762		12,762		12,762		12,762
Fed funds sold	8		4		7		7		13
Other (3)	15,905		14,597		14,054		25,210		26,823
Total interest earning assets	1,963,986		1,967,552		1,948,173		1,943,758		1,943,937
NONEARNING ASSETS
Allowance for credit losses	(12,598)		(13,125)		(13,431)		(13,100)		(12,780)
Cash and demand deposits due from banks	22,800		25,903		23,931		24,018		23,244
Premises and equipment	27,773		27,868		27,999		28,022		27,444
Other assets	92,608		87,002		80,539		84,059		71,592
Total assets	$	2,094,569	$	2,095,200	$	2,067,211	$	2,066,757	$	2,053,437
INTEREST BEARING LIABILITIES
Interest bearing demand deposits	$	345,529	$	358,383	$	342,931	$	345,842	$	317,996
Savings	599,833		599,679		613,601		633,904		634,539
Certificates of deposit	386,871		375,936		366,440		357,541		338,852
Short-term borrowings	49,777		48,151		40,593		40,623		50,049
Federal Home Loan Bank advances	29,346		40,588		45,510		27,692		29,674
Subordinated debt, net of unamortized issuance costs	29,410		29,388		29,365		29,342		29,320
Total interest bearing liabilities	1,440,766		1,452,125		1,438,440		1,434,944		1,400,430
NONINTEREST BEARING LIABILITIES AND SHAREHOLDERS' EQUITY
Demand deposits	425,116		418,973		411,282		412,228		446,747
Other liabilities	15,775		15,658		16,755		16,151		17,302
Shareholders’ equity	212,912		208,444		200,734		203,434		188,958
Total liabilities and shareholders’ equity	$	2,094,569	$	2,095,200	$	2,067,211	$	2,066,757	$	2,053,437

(1) Includes loans held-for-sale and nonaccrual loans

(2) Average balances for available-for-sale securities are based on amortized cost

(3) Includes average interest-bearing deposits with other banks, net of Federal Reserve daily cash letter

ASSET QUALITY ANALYSIS (UNAUDITED)

(Dollars in thousands)

The following table outlines our quarter-to-date asset quality analysis as of, and for the three-month periods ended:


	December 31 2024			September 30 2024			June 30 2024			March 31 2024			December 31 2023
NONPERFORMING ASSETS
Commercial and industrial	$	—		$	120		$	271		$	567		$	491
Commercial real estate	—			—			—			234			—
Agricultural	—			—			167			189			205
Residential real estate	282			427			556			293			286
Consumer	—			—			—			—			—
Total nonaccrual loans	282			547			994			1,283			982
Accruing loans past due 90 days or more	19			64			15			—			87
Total nonperforming loans	301			611			1,009			1,283			1,069
Foreclosed assets	544			546			629			579			406
Debt securities	—			12			12			12			12
Total nonperforming assets	$	845		$	1,169		$	1,650		$	1,874		$	1,487
Nonperforming loans to gross loans	0.02		%	0.04		%	0.07		%	0.09		%	0.08		%
Nonperforming assets to total assets	0.04		%	0.06		%	0.08		%	0.09		%	0.07		%
Allowance for credit losses as a % of nonaccrual loans (1)	N/M			N/M			N/M			N/M			N/M
ALLOWANCE FOR CREDIT LOSSES
Allowance at beginning of period	$	12,635		$	13,095		$	13,390		$	13,108		$	12,767
Charge-offs	299			1,767			527			191			452
Recoveries	197			408			134			145			71
Net loan charge-offs (recoveries)	102			1,359			393			46			381
Provision for credit losses - loans	362			899			98			328			722
Allowance at end of period	$	12,895		$	12,635		$	13,095		$	13,390		$	13,108
Allowance for credit losses to gross loans	0.91		%	0.89		%	0.95		%	0.98		%	0.97		%
Reserve for unfunded commitments	512			498			450			379			315
Provision for credit losses - unfunded commitments	14			47			72			64			(38)
Reserve to unfunded commitments	0.15		%	0.15		%	0.14		%	0.11		%	0.10		%
NET LOAN CHARGE-OFFS (RECOVERIES)
Commercial and industrial	$	13		$	(6)		$	334		$	(2)		$	242
Commercial real estate	(2)			(318)			(29)			(6)			(3)
Agricultural	(4)			—			—			(2)			(6)
Residential real estate	(16)			(20)			(19)			(63)			(14)
Consumer	111			1,703			107			119			162
Total	$	102		$	1,359		$	393		$	46		$	381
Net (recoveries) charge-offs (Quarter to Date annualized to average loans)	0.03		%	0.39		%	0.11		%	0.01		%	0.11		%
Net (recoveries) charge-offs (Year to Date annualized to average loans)	0.14		%	0.17		%	0.00		%	0.00		%	0.01		%
DELINQUENT AND NONACCRUAL LOANS
Accruing loans 30-89 days past due	$	5,682		$	2,226		$	1,484		$	7,938		$	3,895
Accruing loans past due 90 days or more	19			64			15			—			87
Total accruing past due loans	5,701			2,290			1,499			7,938			3,982
Nonaccrual loans	282			547			994			1,283			982
Total past due and nonaccrual loans	$	5,983		$	2,837		$	2,493		$	9,221		$	4,964

(1) N/M: Not meaningful

CONSOLIDATED LOAN AND DEPOSIT ANALYSIS (UNAUDITED)

(Dollars in thousands)

Loan Analysis


	December 31 2024		September 30 2024		June 30 2024		March 31 2024		December 31 2023		Annualized Growth % Quarter to Date
Commercial and industrial	$	244,894	$	240,589	$	238,245	$	226,281	$	209,738	7.16	%
Commercial real estate	547,447		547,038		547,005		561,123		564,244		0.30	%
Advances to mortgage brokers	63,080		76,187		39,300		29,688		18,541		(68.81)	%
Agricultural	99,694		96,794		94,996		93,695		99,994		11.98	%
Total commercial loans	955,115		960,608		919,546		910,787		892,517		(2.29)	%
Residential real estate	380,872		369,846		365,188		356,658		356,418		11.92	%
Consumer	87,584		93,829		96,902		98,063		100,528		(26.62)	%
Gross loans	$	1,423,571	$	1,424,283	$	1,381,636	$	1,365,508	$	1,349,463	(0.20)	%

Deposit Analysis


	December 31 2024		September 30 2024		June 30 2024		March 31 2024		December 31 2023		Annualized Growth % Quarter to Date
Noninterest bearing demand deposits	$	416,373	$	421,493	$	412,193	$	413,272	$	428,505	(4.86)	%
Interest bearing demand deposits	341,366		376,592		338,329		349,401		320,737		(37.42)	%
Savings	601,730		600,150		603,328		639,491		628,079		1.05	%
Certificates of deposit	387,591		383,597		368,449		366,143		346,374		4.16	%
Total deposits	$	1,747,060	$	1,781,832	$	1,722,299	$	1,768,307	$	1,723,695	(7.81)	%

RECONCILIATION OF NON-GAAP FINANCIAL MEASURES (UNAUDITED)

(Dollars in thousands except per share amounts and ratios)


		Three Months Ended
		December 31 2024			September 30 2024			June 30 2024			March 31 2024			December 31 2023
Net income		$	3,996		$	3,281		$	3,481		$	3,131		$	3,803
Nonrecurring items
Net gains (losses) on foreclosed assets		74			4			6			69			8
Overdraft (charge-off) recoveries (1)		66			(1,622)			—			—			—
Profitability initiative cost		(23)			—			—			—			—
Income tax impact		(25)			340			(1)			(14)			(2)
Total nonrecurring items		92			(1,278)			5			55			6
Core net income	(A)	$	3,904		$	4,559		$	3,476		$	3,076		$	3,797

Noninterest expenses		$	13,330		$	13,228		$	12,895		$	12,676		$	11,915
Amortization of acquisition intangibles		1			—			1			—			1
Core noninterest expense	(B)	$	13,329		$	13,228		$	12,894		$	12,676		$	11,914

Net interest income		$	14,555		$	14,488		$	13,550		$	13,242		$	13,612
Tax equivalent adjustment for net interest margin		213			232			237			246			246
Net interest income (FTE)	(C)	14,768			14,720			13,787			13,488			13,858
Noninterest income		3,972			3,528			3,608			3,468			3,516
Tax equivalent adjustment for efficiency ratio		54			53			53			51			50
Core revenue (FTE)		18,794			18,301			17,448			17,007			17,424
Nonrecurring items
Net gains (losses) on foreclosed assets		74			4			6			69			8
Total nonrecurring items		74			4			6			69			8
Core revenue	(D)	$	18,720		$	18,297		$	17,442		$	16,938		$	17,416
Efficiency ratio	(B/D)	71.20		%	72.30		%	73.93		%	74.84		%	68.41		%

Average earning assets	(E)	1,963,986			1,967,552			1,948,173			1,943,758			1,943,937
Net yield on interest earning assets (FTE)	(C/E)	2.99		%	2.98		%	2.85		%	2.79		%	2.83		%

Average assets	(F)	2,094,569			2,095,200			2,067,211			2,066,757			2,053,437
Average shareholders' equity	(G)	212,912			208,444			200,734			203,434			188,958
Average tangible shareholders' equity	(H)	164,629			160,161			152,451			155,150			140,674
Average diluted shares outstanding (2)	(I)	7,453,033			7,473,184			7,494,828			7,507,739			7,526,515

Core diluted earnings per share	(A/I)	$	0.52		$	0.61		$	0.46		$	0.41		$	0.50
Core return on average assets	(A/F)	0.74		%	0.87		%	0.68		%	0.60		%	0.73		%
Core return on average shareholders' equity	(A/G)	7.29		%	8.70		%	6.96		%	6.08		%	7.97		%
Core return on average tangible shareholders' equity	(A/H)	9.43		%	11.32		%	9.17		%	7.97		%	10.71		%

(1) Includes provision for credit losses related to overdrawn deposit accounts from a single customer in the third quarter of 2024.

(2) Whole shares

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Cover	Jan. 30, 2025
Cover [Abstract]
Document Type	8-K
Document Period End Date	Jan. 30, 2025
Entity Registrant Name	ISABELLA BANK CORP
Entity Incorporation, State or Country Code	MI
Entity File Number	000-18415
Entity Tax Identification Number	38-2830092
Entity Address, Address Line One	401 North Main Street
Entity Address, City or Town	Mt. Pleasant
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	48858-1649
City Area Code	989
Local Phone Number	772-9471
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Amendment Flag	false
Entity Emerging Growth Company	false
Entity Central Index Key	0000842517

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