Financial insights of ISBA

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	81,432
Taxable	9,633
Nontaxable	2,084
Fhlb stock	418
Federal funds sold and other	2,468
Total interest income	96,035
Deposits	30,246
Short-term borrowings	1,693
Fhlb advances	487
Subordinated debt	1,065
Total interest expense	33,491
Net interest income	62,544
Provision (reversal) for credit losses	-563
Net interest income after provision for credit losses	63,107
Service charges and fees	8,858
Wealth management fees	4,247
Earnings on boli	1,625
Net gain on sale of mortgage loans	180
Net gains on sale of afs securities	0
Other	1,056
Total noninterest income	15,966
Compensation and benefits	30,041
Occupancy and equipment	10,541
Other professional services	3,240
Atm and debit card fees	2,211
Marketing	1,989
Fdic insurance premiums	1,180
Memberships and subscriptions	1,067
Other losses	643
Other	4,038
Total noninterest expenses	54,950
Income before income tax expense	24,123
Income tax expense	5,213
Net income	18,910

Basic EPS	2.56
Diluted EPS	2.56
Basic Average Shares	7,372,434
Diluted Average Shares	7,385,862