GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

ISBA · Sep 30, 2020

ISABELLA BANK CORP. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0000842517-20-000134Bank
Sequential deposit growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.deposits

3.78% · CORE · NOT_ENOUGH_HISTORY

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

-1.91% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

-29.60% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

-8.51% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$165.7M · CORE · NOT_ENOUGH_HISTORY

Sequential loan growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.loans

1.43% · CORE · NOT_ENOUGH_HISTORY

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History16 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
8.97%
Current
3.78%
Delta
-5.19%
Earnings Growth Decreased
Previous
-0.02%
Current
-1.91%
Delta
-1.89%
Funding Cost Growth Decreased
Previous
-21.25%
Current
-29.60%
Delta
-8.35%
Interest Income Growth Decreased
Previous
-5.63%
Current
-8.51%
Delta
-2.89%
Liquidity Increased
Previous
$109.4M
Current
$165.7M
Delta
$56.4M
Loan Growth Decreased
Previous
9.28%
Current
1.43%
Delta
-7.84%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.