Isabella Bank

Isabella Bank is headquartered in Mount Pleasant and is the 8^th largest bank in the state of Michigan. It is also the 510^st largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 300 employees at 25 locations. Isabella Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Isabella Bank FDIC Certificate # 1005 BankRate Report View Year Established 1903 Employees 300 Primary Regulator FED Assets and Liabilities Assets $1.31 billion Loans $737.31 million Deposits $990.70 million Equity Capital $106.49 million Loan Loss Allowance $12.38 million Unbacked Noncurrent Loans $7.01 million Real Estate Owned $1.48 million Historic Data - March 2011 Assets $1.21 billion Equity Capital $95.69 million Loan Loss Allowance $12.38 million Unbacked Noncurrent Loans $5.69 million Real Estate Owned $2.18 million Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 1.1% Return on Equity 13.58% Interest Income $14.19 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Isabella Bank had $8.49 million in non-current loans and owned real-estate with $118.87 million in equity and loan loss allowances on hand to cover it. This gives Isabella Bank a Texas Ratio of 7.14% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Isabella Bank held steady from 7.31% as of March 31, 2011 to 7.14% as of March 31, 2012, resulting in a positive change of 2.23%.This indicates that the balance sheet and financial strength for Isabella Bank has held steady in recent periods. Deposit Growth In the past year, Isabella Bank has increased its total deposits by $65.87 million, resulting in 7.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Isabella Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Isabella Bank has $1.31 billion in assets with $118.87 million in equity, resulting in a capitalization level of 9.05%, which is average.

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