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

ISBA · Dec 31, 2019

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

Filing0000842517-20-000040Bank
Sequential deposit growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.deposits

0.39% · CORE · NOT_ENOUGH_HISTORY

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

-7.11% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

14.27% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

5.39% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$60.6M · CORE · NOT_ENOUGH_HISTORY

Sequential loan growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.loans

-0.42% · 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
Mar 31, 20190/3 normalizedLevel 3Jun 30, 20190/3 normalizedLevel 3Sep 30, 20190/3 normalizedLevel 3Dec 31, 20190/6 normalizedLevel 3Mar 31, 20200/6 normalizedLevel 3Jun 30, 20200/6 normalizedLevel 3Sep 30, 20200/6 normalizedLevel 3Dec 31, 20201/6 normalizedLevel 3Mar 31, 20213/6 normalizedLevel 3Jun 30, 20213/6 normalizedLevel 3Sep 30, 20213/6 normalizedLevel 3Dec 31, 20216/6 normalizedLevel 3Mar 31, 20226/6 normalizedLevel 3Jun 30, 20226/6 normalizedLevel 3Sep 30, 20226/6 normalizedLevel 3Sep 30, 20265/5 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
2.13%
Current
0.39%
Delta
-1.75%
Liquidity Increased
Previous
$34.3M
Current
$60.6M
Delta
$26.2M
Loan Growth Decreased
Previous
1.29%
Current
-0.42%
Delta
-1.71%
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

Transitioned To · ISBA Fundamental State →Has State · ISABELLA BANK CORP →Transitioned To · ISBA Fundamental State →Transitioned To · ISBA DEPOSIT_GROWTH_DECREASED →Transitioned To · ISBA LIQUIDITY_INCREASED →Transitioned To · ISBA LOAN_GROWTH_DECREASED →

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.