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

ISBA · Jun 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

Filing0000842517-22-000137Bank
Sequential deposit growth15thOwn-history percentile · N=13
Evidence method

Sequential · gp.financial.deposits

-0.24% · CORE · VALID

Net-income growth80thOwn-history percentile · N=10
Evidence method

Yoy · gp.fundamentals.net_income

14.59% · CORE · VALID

Interest-expense growth40thOwn-history percentile · N=10
Evidence method

Yoy · gp.financial.interest_expense

-39.02% · CORE · VALID

Interest-income growth100thOwn-history percentile · N=10
Evidence method

Yoy · gp.financial.interest_income

9.99% · CORE · VALID

Cash and equivalents36thOwn-history percentile · N=14
Evidence method

Level · gp.fundamentals.cash

$82.0M · CORE · VALID

Sequential loan growth92thOwn-history percentile · N=13
Evidence method

Sequential · gp.financial.loans

4.39% · 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 Decreased
Previous
3.15%
Current
-0.24%
Delta
-3.39%
Earnings Growth Increased
Previous
-12.30%
Current
14.59%
Delta
26.89%
Funding Cost Growth Decreased
Previous
-38.58%
Current
-39.02%
Delta
-0.44%
Interest Income Growth Increased
Previous
-3.45%
Current
9.99%
Delta
13.44%
Liquidity Decreased
Previous
$161.2M
Current
$82.0M
Delta
-$79.2M
Loan Growth Increased
Previous
-6.41%
Current
4.39%
Delta
10.79%
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.