Financial Statements — ISBA
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.04 | 0.05 | 0.16 | 0.11 | 0.07 | 0.03 | 0.02 | 0.03 | 0.12 | 0.03 | 0.10 | 0.10 | 0.08 | 0.16 | 0.21 | 0.25 | 0.32 |
| Total Assets | 2.22 | 2.25 | 2.26 | 2.16 | 2.10 | 2.11 | 2.06 | 2.06 | 2.12 | 2.04 | 2.08 | 2.06 | 2.05 | 2.06 | 2.08 | 2.03 | 2.02 |
| Total Deposits | 1.81 | 1.86 | 1.93 | 1.85 | 1.80 | 1.78 | 1.72 | 1.77 | 1.77 | 1.71 | 1.81 | 1.79 | 1.76 | 1.76 | 1.69 | 1.64 | 1.64 |
| Total Liabilities | 1.97 | 2.02 | 2.03 | 1.94 | 1.89 | 1.89 | 1.86 | 1.86 | 1.93 | 1.85 | 1.89 | 1.89 | 1.86 | 1.87 | 1.86 | 1.81 | 1.80 |
| Retained Earnings | 0.12 | 0.12 | 0.11 | 0.11 | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 | 0.09 | 0.09 | 0.09 | 0.08 | 0.08 | 0.07 | 0.07 | 0.07 |
| Total Stockholder Equity | 0.25 | 0.23 | 0.23 | 0.22 | 0.22 | 0.21 | 0.20 | 0.20 | 0.19 | 0.19 | 0.19 | 0.18 | 0.19 | 0.20 | 0.22 | 0.22 | 0.22 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Interest & Dividend Income | 26.22 | 25.13 | 25.28 | 24.88 | 23.24 | 22.63 | 23.17 | 23.34 | 22.09 | 21.38 | 21.06 | 20.49 | 19.50 | 18.60 | 17.92 | 17.02 | 16.10 | 14.76 | 15.04 | 15.14 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | 8.85 | 8.54 | 8.14 | 7.44 | 6.18 | 4.82 | 3.24 | 1.64 | 1.22 | 1.18 | 1.28 | 1.57 | 1.83 |
| Net Interest Income | 18.08 | 16.88 | 16.73 | 16.16 | 15.13 | 14.53 | 14.56 | 14.49 | 13.55 | 13.24 | 13.61 | 14.30 | 14.68 | 15.35 | 16.27 | 15.80 | 14.93 | 13.48 | 13.47 | 13.31 |
| Provision for Credit Losses | 0.90 | 0.60 | 0.43 | 0.21 | (1.10) | (0.11) | 0.38 | 0.95 | 0.17 | 0.39 | 0.68 | (0.29) | 0.20 | 0.04 | (0.06) | 0.02 | 0.49 | 0.04 | 0.08 | (0.11) |
| Non-interest Income | 4.38 | 4.36 | 4.44 | 4.31 | 3.69 | 3.53 | 3.97 | 3.53 | 3.61 | 3.47 | 3.52 | 3.41 | 3.60 | 3.29 | 3.27 | 3.25 | 3.60 | 3.55 | 3.61 | 3.37 |
| Non-interest Expense | 15.39 | 14.66 | 13.92 | 13.99 | 13.75 | 13.30 | 13.33 | 13.23 | 12.90 | 12.68 | 11.92 | 12.66 | 12.54 | 12.20 | 11.92 | 11.92 | 11.66 | 11.32 | 11.20 | 11.19 |
| Pretax Income | 6.18 | 5.98 | 6.82 | 6.28 | 6.17 | 4.86 | 4.82 | 3.84 | 4.09 | 3.64 | 4.53 | 5.35 | 5.55 | 6.41 | 7.68 | 7.12 | 6.38 | 5.67 | 5.80 | 5.60 |
| Tax Provision | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.51 | 0.73 | 0.94 | 0.92 | 1.08 | 1.36 | 1.23 | 1.08 | 0.94 | 1.01 | 0.92 |
| Net Income | 5.04 | 4.99 | 4.69 | 5.24 | 5.03 | 3.95 | 4.00 | 3.28 | 3.48 | 3.13 | 3.80 | 4.41 | 4.63 | 5.32 | 6.32 | 5.89 | 5.30 | 4.73 | 4.79 | 4.69 |
| Basic EPS | 0.69 | 0.68 | 0.64 | 0.71 | 0.68 | 0.53 | 0.53 | 0.44 | 0.47 | 0.42 | 0.51 | 0.59 | 0.62 | 0.70 | 0.84 | 0.78 | 0.70 | 0.63 | 0.63 | 0.59 |
| Diluted EPS | 0.69 | 0.68 | 0.64 | 0.71 | 0.68 | 0.53 | 0.54 | 0.44 | 0.46 | 0.42 | 0.51 | 0.58 | 0.61 | 0.70 | 0.83 | 0.77 | 0.69 | 0.62 | 0.63 | 0.58 |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 7.70 | 3.78 | 11.53 | 2.75 | 7.84 | 4.70 | 7.12 | 3.73 | 5.44 | 3.34 | 5.26 | 3.52 | 7.37 | 7.57 | 6.51 | 5.65 | 9.15 | 5.63 | 4.34 | 5.30 |
| Capital Expenditures | 0.41 | 0.54 | 0.88 | 1.02 | 0.60 | 0.98 | 0.52 | 0.36 | 0.41 | 0.82 | 1.18 | 1.07 | 0.60 | 1.23 | 0.93 | 1.45 | 0.37 | 0.46 | 0.40 | 0.67 |
| Free Cash Flow* | 7.30 | 3.24 | 10.65 | 1.73 | 7.24 | 3.72 | 6.61 | 3.37 | 5.03 | 2.52 | 4.08 | 2.45 | 6.78 | 6.34 | 5.58 | 4.20 | 8.79 | 5.17 | 3.94 | 4.63 |
| Investing Cash Flow | 21.61 | (18.41) | (88.65) | (42.69) | (12.64) | 28.10 | 11.38 | (34.71) | (4.74) | (9.80) | (8.71) | 5.28 | (34.15) | 11.80 | (22.48) | (13.10) | (77.82) | 7.14 | (53.18) | (95.24) |
| Financing Cash Flow | (37.65) | 38.70 | (58.13) | 92.69 | 44.18 | 11.83 | (21.34) | 34.79 | (2.35) | (2.00) | (78.75) | 77.21 | (42.07) | 40.43 | (44.02) | 24.34 | (10.50) | 43.09 | (52.31) | 48.23 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Dividends Per Share | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.27 | 0.27 | 0.27 | 0.27 | 0.27 |
