For the year ending 2025-12-31, ISBA had $1,499K increase in cash & cash equivalents over the period. $23,338K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 18,910 |
| Provision (reversal) for credit losses | -563 |
| Depreciation | 2,138 |
| Net amortization of afs securities | -967 |
| Net gains on sale of afs securities | 0 |
| Net gain on sale of mortgage loans | 180 |
| Increase in cash value of boli | 1,607 |
| Share-based payment awards | 341 |
| Deferred income tax expense (benefit) | 38 |
| Origination of loans hfs | 7,870 |
| Proceeds from loan sales | 7,869 |
| Other assets | -2,865 |
| Other liabilities | 3,909 |
| Net cash provided by (used in) operating activities | 26,817 |
| Proceeds from maturities, calls and prepayments of afs securities | 74,208 |
| Purchases of afs securities | 67,348 |
| Net change in loans hfi | 112,351 |
| Purchases of premises and equipment | 3,479 |
| Purchases of boli policies | 10,225 |
| Proceeds from sale of fhlb stock | 7,162 |
| Low income housing tax credit investments | 3,849 |
| Net cash provided by (used in) investing activities | -115,882 |
| Net increase (decrease) in deposits | 72,594 |
| Net increase (decrease) in short-term borrowings | 14,433 |
| Net increase (decrease) in fhlb advances | 15,000 |
| Cash dividends paid on common stock | 8,085 |
| Proceeds from issuance of common stock | 1,331 |
| Common stock repurchased | 4,709 |
| Common stock purchased for deferred compensation obligations | 0 |
| Net cash provided by (used in) financing activities | 90,564 |
| Increase (decrease) in cash and cash equivalents | 1,499 |
| Cash and cash equivalents at beginning of period | 24,542 |
| Cash and cash equivalents at end of period | 26,041 |
ISABELLA BANK CORP (ISBA)
ISABELLA BANK CORP (ISBA)