401k Plan data: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN plan

ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 401k Plan overview

Plan Name	ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN
Plan identification number	005

ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN Benefits

401k Plan Type	Defined Contribution Pension
Plan Features/Benefits	Stock bonus ESOP other than a leveraged ESOP - A completed Schedule E must be attached to a Form 5500 filed for an Employee Stock Ownership Plan (ESOP). Plan sponsor(s) received services of leased employees, as defined in Code section 414(n), during the plan year.

401k Sponsoring company profile

ISABELLA BANK CORPORATION has sponsored the creation of one or more 401k plans.

Company Name: ISABELLA BANK CORPORATION

Employer identification number (EIN): 382830092

NAIC Classification: 561300

Additional information about ISABELLA BANK CORPORATION

Jurisdiction of Incorporation: Michigan Secretary of State

Incorporation Date: 0000-00-00

Company Identification Number: 346543

Legal Registered Office Address: 401 N MAIN ST MT PLEASANT

United States of America (USA)
48858

More information about ISABELLA BANK CORPORATION

Form 5500 Filing Information

Submission information for form 5500 for 401k plan ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
005 2018-01-01
005 2017-01-01
005 2016-01-01
005 2015-01-01
005 2014-01-01 PATRICK MEASE
005 2013-01-01 DAN EVERSOLE

Plan Statistics for ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN

401k plan membership statisitcs for ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN

Measure Date Value
2018: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 165
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 0
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 0
Total of all active and inactive participants 2018-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 0
Number of participants with account balances 2018-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 179
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 134
Number of retired or separated participants receiving benefits 2017-01-01 2
Number of other retired or separated participants entitled to future benefits 2017-01-01 29
Total of all active and inactive participants 2017-01-01 165
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 165
Number of participants with account balances 2017-01-01 165
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 0
2016: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 196
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 143
Number of retired or separated participants receiving benefits 2016-01-01 6
Number of other retired or separated participants entitled to future benefits 2016-01-01 30
Total of all active and inactive participants 2016-01-01 179
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 179
Number of participants with account balances 2016-01-01 179
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 0
2015: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 202
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 158
Number of retired or separated participants receiving benefits 2015-01-01 9
Number of other retired or separated participants entitled to future benefits 2015-01-01 29
Total of all active and inactive participants 2015-01-01 196
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 196
2014: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 214
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 164
Number of retired or separated participants receiving benefits 2014-01-01 5
Number of other retired or separated participants entitled to future benefits 2014-01-01 33
Total of all active and inactive participants 2014-01-01 202
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 202
2013: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 218
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 176
Number of retired or separated participants receiving benefits 2013-01-01 4
Number of other retired or separated participants entitled to future benefits 2013-01-01 34
Total of all active and inactive participants 2013-01-01 214
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 214

Measure	Date	Value
2018: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	165
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	0
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	0
Total of all active and inactive participants	2018-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	0
Number of participants with account balances	2018-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	179
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	134
Number of retired or separated participants receiving benefits	2017-01-01	2
Number of other retired or separated participants entitled to future benefits	2017-01-01	29
Total of all active and inactive participants	2017-01-01	165
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	165
Number of participants with account balances	2017-01-01	165
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	0
2016: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	196
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	143
Number of retired or separated participants receiving benefits	2016-01-01	6
Number of other retired or separated participants entitled to future benefits	2016-01-01	30
Total of all active and inactive participants	2016-01-01	179
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	179
Number of participants with account balances	2016-01-01	179
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	0
2015: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	202
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	158
Number of retired or separated participants receiving benefits	2015-01-01	9
Number of other retired or separated participants entitled to future benefits	2015-01-01	29
Total of all active and inactive participants	2015-01-01	196
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	196
2014: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	214
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	164
Number of retired or separated participants receiving benefits	2014-01-01	5
Number of other retired or separated participants entitled to future benefits	2014-01-01	33
Total of all active and inactive participants	2014-01-01	202
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	202
2013: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	218
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	176
Number of retired or separated participants receiving benefits	2013-01-01	4
Number of other retired or separated participants entitled to future benefits	2013-01-01	34
Total of all active and inactive participants	2013-01-01	214
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	214

Financial Data on ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN

Measure	Date	Value
2018 : ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-10-11	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-10-11	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-10-11	$1,741,915
Total income from all sources (including contributions)	2018-10-11	$90,209
Total loss/gain on sale of assets	2018-10-11	$0
Total of all expenses incurred	2018-10-11	$3,536,494
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-10-11	$3,505,236
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-10-11	$0
Value of total assets at end of year	2018-10-11	$0
Value of total assets at beginning of year	2018-10-11	$5,188,200
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-10-11	$31,258
Total interest from all sources	2018-10-11	$3,456
Total dividends received (eg from common stock, registered investment company shares)	2018-10-11	$86,753
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-10-11	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2018-10-11	$0
Administrative expenses professional fees incurred	2018-10-11	$31,258
Was this plan covered by a fidelity bond	2018-10-11	Yes
Value of fidelity bond cover	2018-10-11	$6,000,000
If this is an individual account plan, was there a blackout period	2018-10-11	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-10-11	$0
Were there any nonexempt tranactions with any party-in-interest	2018-10-11	No
Value of other receiveables (less allowance for doubtful accounts) at end of year	2018-10-11	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2018-10-11	$180
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2018-10-11	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2018-10-11	$5,015
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-10-11	No
Value of net income/loss	2018-10-11	$-3,446,285
Value of net assets at end of year (total assets less liabilities)	2018-10-11	$0
Value of net assets at beginning of year (total assets less liabilities)	2018-10-11	$3,446,285
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-10-11	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-10-11	No
Were any leases to which the plan was party in default or uncollectible	2018-10-11	No
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2018-10-11	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2018-10-11	$266,447
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2018-10-11	$266,447
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2018-10-11	$3,456
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-10-11	Yes
Was there a failure to transmit to the plan any participant contributions	2018-10-11	No
Has the plan failed to provide any benefit when due under the plan	2018-10-11	No
Assets. Invements in employer securities at end of year	2018-10-11	$0
Assets. Invements in employer securities at beginning of year	2018-10-11	$4,921,573
Income. Dividends from common stock	2018-10-11	$86,753
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-10-11	$3,505,236
Liabilities. Value of benefit claims payable at end of year	2018-10-11	$0
Liabilities. Value of benefit claims payable at beginning of year	2018-10-11	$1,736,900
Did the plan have assets held for investment	2018-10-11	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-10-11	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-10-11	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-10-11	No
Opinion of an independent qualified public accountant for this plan	2018-10-11	Unqualified
Accountancy firm name	2018-10-11	REHMANN ROBSON LLC
Accountancy firm EIN	2018-10-11	383635706
2017 : ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2017 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2017-12-31	$166,833
Total unrealized appreciation/depreciation of assets	2017-12-31	$166,833
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$1,741,915
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$1,582,225
Total income from all sources (including contributions)	2017-12-31	$350,519
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$1,444,889
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$1,420,051
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$0
Value of total assets at end of year	2017-12-31	$5,188,200
Value of total assets at beginning of year	2017-12-31	$6,122,880
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$24,838
Total interest from all sources	2017-12-31	$1,450
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$182,236
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2017-12-31	$0
Administrative expenses professional fees incurred	2017-12-31	$24,838
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$6,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Value of other receiveables (less allowance for doubtful accounts) at end of year	2017-12-31	$180
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2017-12-31	$51
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2017-12-31	$5,015
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2017-12-31	$7,523
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$-1,094,370
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$3,446,285
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$4,540,655
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2017-12-31	$266,447
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2017-12-31	$289,763
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2017-12-31	$289,763
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2017-12-31	$1,450
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	Yes
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Assets. Invements in employer securities at end of year	2017-12-31	$4,921,573
Assets. Invements in employer securities at beginning of year	2017-12-31	$5,833,066
Income. Dividends from common stock	2017-12-31	$182,236
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$1,420,051
Liabilities. Value of benefit claims payable at end of year	2017-12-31	$1,736,900
Liabilities. Value of benefit claims payable at beginning of year	2017-12-31	$1,574,702
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	No
Opinion of an independent qualified public accountant for this plan	2017-12-31	Unqualified
Accountancy firm name	2017-12-31	REHMANN ROBSON LLC
Accountancy firm EIN	2017-12-31	383635706
2016 : ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2016 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2016-12-31	$460,505
Total unrealized appreciation/depreciation of assets	2016-12-31	$460,505
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$1,582,225
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$1,075,987
Total income from all sources (including contributions)	2016-12-31	$663,687
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$892,584
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$869,557
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$0
Value of total assets at end of year	2016-12-31	$6,122,880
Value of total assets at beginning of year	2016-12-31	$5,845,539
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$23,027
Total interest from all sources	2016-12-31	$472
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$202,710
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	Yes
Value of any plan assets that reverted to the employer resulting from resoluton to terminate the plan	2016-12-31	$0
Administrative expenses professional fees incurred	2016-12-31	$23,027
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$6,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Value of other receiveables (less allowance for doubtful accounts) at end of year	2016-12-31	$51
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2016-12-31	$5,020
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2016-12-31	$7,523
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2016-12-31	$792
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$-228,897
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$4,540,655
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$4,769,552
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2016-12-31	$289,763
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2016-12-31	$142,589
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2016-12-31	$142,589
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2016-12-31	$472
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Assets. Invements in employer securities at end of year	2016-12-31	$5,833,066
Assets. Invements in employer securities at beginning of year	2016-12-31	$5,697,930
Income. Dividends from common stock	2016-12-31	$202,710
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$869,557
Liabilities. Value of benefit claims payable at end of year	2016-12-31	$1,574,702
Liabilities. Value of benefit claims payable at beginning of year	2016-12-31	$1,075,195
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	No
Opinion of an independent qualified public accountant for this plan	2016-12-31	Unqualified
Accountancy firm name	2016-12-31	REHMANN ROBSON LLC
Accountancy firm EIN	2016-12-31	383635706
2015 : ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2015 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2015-12-31	$379,862
Total unrealized appreciation/depreciation of assets	2015-12-31	$379,862
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$1,075,987
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$1,820,480
Total income from all sources (including contributions)	2015-12-31	$595,162
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$381,337
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$357,777
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$0
Value of total assets at end of year	2015-12-31	$5,845,539
Value of total assets at beginning of year	2015-12-31	$6,376,207
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$23,560
Total interest from all sources	2015-12-31	$934
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$214,366
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Administrative expenses professional fees incurred	2015-12-31	$23,560
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$6,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Value of other receiveables (less allowance for doubtful accounts) at end of year	2015-12-31	$5,020
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2015-12-31	$117
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2015-12-31	$792
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2015-12-31	$0
Total non interest bearing cash at end of year	2015-12-31	$0
Total non interest bearing cash at beginning of year	2015-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$213,825
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$4,769,552
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$4,555,727
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$142,589
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$448,119
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$448,119
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2015-12-31	$934
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Assets. Invements in employer securities at end of year	2015-12-31	$5,697,930
Assets. Invements in employer securities at beginning of year	2015-12-31	$5,927,971
Income. Dividends from common stock	2015-12-31	$214,366
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$357,777
Liabilities. Value of benefit claims payable at end of year	2015-12-31	$1,075,195
Liabilities. Value of benefit claims payable at beginning of year	2015-12-31	$1,820,480
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	No
Opinion of an independent qualified public accountant for this plan	2015-12-31	Unqualified
Accountancy firm name	2015-12-31	REHMANN ROBSON LLC
Accountancy firm EIN	2015-12-31	383635706
2014 : ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2014 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2014-12-31	$363,159
Total unrealized appreciation/depreciation of assets	2014-12-31	$363,159
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$1,820,480
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$541,841
Total income from all sources (including contributions)	2014-12-31	$580,098
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$1,521,663
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$1,498,198
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$0
Value of total assets at end of year	2014-12-31	$6,376,207
Value of total assets at beginning of year	2014-12-31	$6,039,133
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$23,465
Total interest from all sources	2014-12-31	$1,596
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$215,343
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Administrative expenses professional fees incurred	2014-12-31	$23,465
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$6,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Value of other receiveables (less allowance for doubtful accounts) at end of year	2014-12-31	$117
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2014-12-31	$364
Total non interest bearing cash at end of year	2014-12-31	$0
Total non interest bearing cash at beginning of year	2014-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$-941,565
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$4,555,727
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$5,497,292
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$448,119
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$473,957
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$473,957
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-12-31	$1,596
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Assets. Invements in employer securities at end of year	2014-12-31	$5,927,971
Assets. Invements in employer securities at beginning of year	2014-12-31	$5,564,812
Income. Dividends from common stock	2014-12-31	$215,343
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$1,498,198
Liabilities. Value of benefit claims payable at end of year	2014-12-31	$1,820,480
Liabilities. Value of benefit claims payable at beginning of year	2014-12-31	$541,841
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	No
Opinion of an independent qualified public accountant for this plan	2014-12-31	Unqualified
Accountancy firm name	2014-12-31	REHMANN ROBSON LLC
Accountancy firm EIN	2014-12-31	383635706
2013 : ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2013 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2013-12-31	$124,537
Total unrealized appreciation/depreciation of assets	2013-12-31	$124,537
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$541,841
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$291,850
Total income from all sources (including contributions)	2013-12-31	$328,170
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$600,219
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$580,439
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$0
Value of total assets at end of year	2013-12-31	$6,039,133
Value of total assets at beginning of year	2013-12-31	$6,061,191
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$19,780
Total interest from all sources	2013-12-31	$1,902
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$201,731
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Administrative expenses professional fees incurred	2013-12-31	$19,780
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$6,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Value of other receiveables (less allowance for doubtful accounts) at end of year	2013-12-31	$364
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2013-12-31	$149
Total non interest bearing cash at end of year	2013-12-31	$0
Total non interest bearing cash at beginning of year	2013-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$-272,049
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$5,497,292
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$5,769,341
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$473,957
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$516,952
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$516,952
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2013-12-31	$1,902
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Assets. Invements in employer securities at end of year	2013-12-31	$5,564,812
Assets. Invements in employer securities at beginning of year	2013-12-31	$5,544,090
Contributions received in cash from employer	2013-12-31	$0
Income. Dividends from common stock	2013-12-31	$201,731
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$580,439
Liabilities. Value of benefit claims payable at end of year	2013-12-31	$541,841
Liabilities. Value of benefit claims payable at beginning of year	2013-12-31	$291,850
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	No
Opinion of an independent qualified public accountant for this plan	2013-12-31	Unqualified
Accountancy firm name	2013-12-31	REHMANN ROBSON LLC
Accountancy firm EIN	2013-12-31	383635706

Form 5500 Responses for ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN

2018: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	Yes
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: ISABELLA BANK CORPORATION EMPLOYEE STOCK OWNERSHIP PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	ISABELLA BANK CORPORATION
Employer identification number (EIN):	382830092
NAIC Classification:	561300

Jurisdiction of Incorporation:	Michigan Secretary of State
Incorporation Date:	0000-00-00
Company Identification Number:	346543
Legal Registered Office Address:	401 N MAIN ST MT PLEASANT United States of America (USA) 48858