For the quarter ending 2026-03-31, ISBA had $24,064K increase in cash & cash equivalents over the period. $3,242K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 4,992 | 4,690 | 5,240 | 8,980 |
| Provision for (reversal of) credit losses | 604 | 434 | 209 | -1,206 |
| Depreciation | 562 | 537 | 529 | 1,072 |
| Net amortization of afs securities | -188 | -196 | -228 | -543 |
| Net gains on sale of afs securities | - | 0 | - | - |
| Net gain on sale of mortgage loans | 33 | 65 | 38 | 77 |
| Increase in the cash surrender value of boli, net of expenses | 444 | 482 | 458 | 667 |
| Gains from redemption of boli policies | 131 | - | - | - |
| Share-based payment awards | 172 | 63 | 56 | 222 |
| Deferred income tax expense (benefit) | - | 38 | - | - |
| Origination of loans hfs | 1,575 | 2,989 | 1,863 | 3,018 |
| Proceeds from loan sales | 1,671 | 3,368 | 1,219 | 3,282 |
| Other assets | 1,450 | -4,867 | 3,901 | -1,899 |
| Other liabilities | -778 | 870 | 1,526 | 1,513 |
| Net cash provided by (used in) operating activities | 3,778 | 11,527 | 2,747 | 12,543 |
| Proceeds from maturities, calls and prepayments of afs securities | 53,053 | 21,849 | 4,540 | 47,819 |
| Purchases of afs securities | 48,918 | 5,200 | 11,148 | 51,000 |
| Net change in loans hfi | 22,924 | 104,343 | 35,061 | -27,053 |
| Purchases of premises and equipment | 536 | 878 | 1,017 | 1,584 |
| Purchases of boli policies | 0 | 0 | 0 | 10,225 |
| Proceeds from redemption of boli policies | 535 | - | - | - |
| Proceeds from sale of fhlb stock | 0 | 0 | 0 | 7,162 |
| Proceeds from sales of foreclosed assets | 375 | - | - | - |
| Low income housing tax credit investments | 0 | 82 | 0 | 3,767 |
| Net cash provided by (used in) investing activities | -18,415 | -88,654 | -42,686 | 15,458 |
| Net increase (decrease) in deposits | 40,191 | -105,948 | 76,226 | 102,316 |
| Net increase (decrease) in short-term borrowings | 45,530 | 5,978 | 18,814 | -10,359 |
| Net increase (decrease) in fhlb advances | -45,000 | 45,000 | 0 | -30,000 |
| Cash dividends paid on common stock | 2,051 | 2,013 | 2,017 | 4,055 |
| Proceeds from issuance of common stock | 433 | 300 | 272 | 759 |
| Common stock repurchased | 402 | 1,450 | 609 | 2,650 |
| Common stock purchased for deferred compensation obligations | - | 0 | 0 | 0 |
| Net cash provided by (used in) financing activities | 38,701 | -58,133 | 92,686 | 56,011 |
| Increase (decrease) in cash and cash equivalents | 24,064 | -135,260 | 52,747 | 84,012 |
| Cash and cash equivalents at beginning of period | 26,041 | 161,301 | 24,542 | - |
| Cash and cash equivalents at end of period | 50,105 | 26,041 | 161,301 | - |