Vitals
  • Total Assets
    1.7B 3.8 %
  • Total Deposits
    1.2B 2.4 %
  • Total Net Loans
    1.0B 19.0 %
  • Net Income
    15.0M -12.0 %
  • Book Value
    137.6M 3.2 %
  • Book Value x2
    275.3M 3.2 %
  • Book Value x3
    412.9M 3.2 %
ROAA

.921

ROAE

10.724

Efficiency Ratio

62.179

Net Interest Margin

2.989

Balance Sheet Highlights
Financial Highlights Isabella Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 1,677,498 330,697
Total Net Loans 1,005,035 227,599
Total Deposits 1,196,672 278,247
Total Equity 137,647 33,935
Profitability
Net Income 15,019 3,589
Return on Average Assets .921 .954
Return on Average Equity 10.724 8.772
Net Interest Margin 2.989 3.821
Efficiency Ratio 62.179 71.925
Noninterest Income/Revenue 16.663 24.061
Balance Sheet Ratios
Loan-to-Deposit 83.986 76.845
Securities/Assets .333 .16
Total Equity/Total Assets .082 .103
Tangible Equity/Tangible Assets .078 .098
Capital Adequacy
Tier 1 Common Capital 132,524 32,553
Tier 1 Capital 132,524 32,664
Tier 2 Capital 7,400 2,479
Total Capital 139,924 35,133
Total Risk Weighted Assets 1,136,165 242,208
Leverage Ratio 8.04 10.341
Common Equity Tier 1 Capital Ratio 11.66 15.339
Tier 1 Capital Ratio 11.66 15.393
Total Capital Ratio 12.32 16.423

Timeline for Isabella Bank

Greenville Community Bank

Acquisition: Isabella Bank acquired a new subsidiary, Greenville Community Bank, 16 years

View Profile Jan 01 2008

Greenville Community Mortgage Company

Acquisition: Isabella Bank acquired a new subsidiary, Greenville Community Mortgage Company , 16 years

View Profile Jan 01 2008

Fsb Mortgage Company

Acquisition: Isabella Bank acquired a new subsidiary, Fsb Mortgage Company , 16 years

View Profile Jan 01 2008

Ib&T Mortgage Company

Acquisition: Isabella Bank acquired a new subsidiary, Ib&T Mortgage Company , 16 years

View Profile Jan 01 2008

Isabella Insurance Agency, Inc.

Isabella Insurance Agency, Inc. became a new subsidiary organization for Isabella Bank.

View Profile Jan 01 2008

Want to see more?

Complete timeline for Isabella Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Greenville Community Bank Seller 107,984 Acquisition Discontinued 1/1/2008
Greenville Community Mortgage Company Seller Acquisition Discontinued 1/1/2008
Fsb Mortgage Company Seller Pooling of Interests Discontinued 1/1/2008
Ib&T Mortgage Company Seller Pooling of Interests Discontinued 1/1/2008
Fsb Bank Seller 260,574 Pooling of Interests Discontinued 4/16/2007
The Blanchard State Bank Seller 15,291 Discontinued 1/1/1982
Weidman State Bank Seller Discontinued 7/1/1970
Relationships Role Relationship Start Relationship End
Isabella Bank Corporation Parent 2/15/1989
Isabella Insurance Agency, Inc. Subsidary 1/1/2008
Fsb Mortgage Company Subsidary 6/30/2007 12/31/2007
Ib&T Mortgage Company Subsidary 6/30/2007 12/31/2007
Fsb Mortgage Company Subsidary 4/16/2007 6/29/2007
Ib&T Mortgage Company Subsidary 11/7/2000 6/29/2007
Ibt Agency, Inc. Subsidary 10/2/1995 3/12/2000
Ibt Title And Insurance Agency, Inc. Subsidary 7/31/1998 3/12/2000
Similar Organizations
Organization City State Total Assets
Central Bank Of The Midwest
 		Lees Summit MO 1.7B
Equity Bank
 		Andover KS 1.6B
Northstar Bank
 		Denton TX 1.7B
Frandsen Bank & Trust
 		Lonsdale MN 1.6B
Weststar Bank
 		El Paso TX 1.5B
Central Bank Of Boone County
 		Columbia MO 1.7B
Southern Bank
 		Poplar Bluff MO 1.5B
First Farmers Bank And Trust Company
 		Converse IN 1.5B
Marquette Bank
 		Chicago IL 1.5B
Chemung Canal Trust Company
 		Elmira NY 1.7B