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

ISBA · Sep 30, 2022

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

Filing0000842517-22-000186Bank
Sequential deposit growth50thOwn-history percentile · N=14
Evidence method

Sequential · gp.financial.deposits

1.77% · CORE · VALID

Net-income growth82thOwn-history percentile · N=11
Evidence method

Yoy · gp.fundamentals.net_income

25.63% · CORE · VALID

Interest-expense growth55thOwn-history percentile · N=11
Evidence method

Yoy · gp.financial.interest_expense

-33.52% · CORE · VALID

Interest-income growth100thOwn-history percentile · N=11
Evidence method

Yoy · gp.financial.interest_income

12.40% · CORE · VALID

Cash and equivalents47thOwn-history percentile · N=15
Evidence method

Level · gp.fundamentals.cash

$98.9M · CORE · VALID

Sequential loan growth21thOwn-history percentile · N=14
Evidence method

Sequential · gp.financial.loans

-2.83% · CORE · VALID

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 Increased
Previous
-0.24%
Current
1.77%
Delta
2.01%
Earnings Growth Increased
Previous
14.59%
Current
25.63%
Delta
11.04%
Funding Cost Growth Increased
Previous
-39.02%
Current
-33.52%
Delta
5.51%
Interest Income Growth Increased
Previous
9.99%
Current
12.40%
Delta
2.41%
Liquidity Increased
Previous
$82.0M
Current
$98.9M
Delta
$16.9M
Loan Growth Decreased
Previous
4.39%
Current
-2.83%
Delta
-7.22%
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.