Exhibit 99.1

For Immediate Release

Isabella Bank Corporation

401 North Main Street

Mt. Pleasant, MI 48858-1649

FOR MORE INFORMATION CONTACT:

Trish Tomczak, Director of Marketing

Phone: 989-779-6333 Fax: 989-775-5501

Isabella Bank Corporation Announces Further Earnings Growth in Third Quarter

Record net income up 26% over third quarter 2021

Mt. Pleasant, Michigan, October 20, 2022 — Isabella Bank Corporation (the “Corporation”) (OTCQX: ISBA) reported a record net income of $5.9 million for the third quarter of 2022 and $15.9 million for the nine-month period ended September 30, 2022. Earnings per common share were $0.78 in the third quarter and $2.11 for the first nine months of 2022.

Third-quarter 2022 highlights, compared to the same period in 2021, include:

•Net income increased 25.6% to $5.9 million.

•Net interest income improved $2.5 million, or 19%, aided by a 34% decline in interest expense.

•Net interest margin yield increased 43 basis points.

•Earnings per share improved 32% to $0.78.

Additionally, deposits grew $31.2 million during the third quarter, up $80.7 million year to date, an increase of nearly 5%.

"Isabella Bank continued to deliver strong financial results this quarter. The Federal Reserve's 2022 rate decisions contributed to a significant gain in net interest income and improvement in our net interest margin," said Jae A. Evans, President & CEO. "Further improvement is expected through the remainder of 2022.

“What's more, our commitment to shareholders, communities and customers continues to be seen through active implementation of multiple strategic initiatives," Evans said. "Construction is well underway on a third full-service branch in Saginaw, and customer response to our new, enhanced online banking system and mobile app has been tremendous."

Operating Results

Net income: Net income for third quarter 2022 was $5.9 million, a 25.6% increase compared to $4.7 million in the third quarter of 2021. For the first nine months of 2022, net income was $15.9 million, compared to $14.7 million in the same period of 2021.

Net interest income: Net interest income for the third quarter 2022 improved by $2.5 million or 19% compared to the third quarter of 2021. For the first nine months of 2022, net interest income increased $5.0 million or 12.7% compared to the same period in 2021. While Paycheck Protection Program loan fees declined during the period, rising interest rates within the loan portfolio and growth in investment securities led to a $2.8 million increase in gross interest income during the nine-month period ended September 30, 2022, compared to the same period in 2021. The Corporation continued to benefit from a strategic reduction in higher-cost borrowings as interest expense on deposits and borrowings decreased $2.2 million, or 37.1%, for the nine-month period ended September 30, 2022, compared to the same period in 2021. The provision for loan loss for the first nine months of 2022 was $540,000 compared to a $599,000 provision reversal during the same period in 2021, when initial concerns over potential credit quality issues related to the onset of the pandemic did not materialize.

Noninterest income and expenses: Noninterest income increased $180,000 during the first nine months of this year, compared to the same period in 2021. A $1.1 million increase in service charges and fees including $605,000 of income related to mortgage servicing rights was offset by a $891,000 reduction in gain on sale of loans as residential mortgage originations declined in comparison to 2021. Noninterest expenses for the first nine months of 2022 increased $2.4 million, as a result of increased compensation and benefits cost, other losses, consulting, donations and community relations expenses.

Net yield on interest earning assets: The Corporation’s fully taxable equivalent net yield on interest earning assets was 3.28% and 2.85% for the three months ended September 30, 2022 and 2021, an increase of 43 basis points. The net yield was 3.10% for the nine-month period ended September 30, 2022, compared to 2.87% for the same period in 2021. Considering the rate increases during the first nine months of 2022 and the anticipation of future rate increases in the remainder of the year, the Corporation expects continued improvement in the net yield on interest earning assets.

Balance Sheet

Assets: The Corporation had $2.06 billion in total assets and $2.8 billion of assets under management as of September 30, 2022. Managed assets included loans sold and serviced of $268.9 million and $464.1 million in investment and trust assets managed by Isabella Wealth.

Loans: Loans outstanding as of September 30, 2022 totaled $1.2 billion. Gross loans declined $64.9 million since December 31, 2021 due to a decrease in the amount of $70.5 million in advances to mortgage brokers, which is included within the commercial loan portfolio, however, is not considered a component of the Corporation's core

lending business. Credit quality remained strong as evidenced by total past due and nonaccrual loans which were 0.32% of gross loans as of September 30, 2022.

Deposits: Total deposits were $1.8 billion as of September 30, 2022, an increase of $80.7 million, or 4.7%, since December 31, 2021. Growth in accounts from new customers is the driving factor behind this increase.

Capital: The Bank is considered a “well-capitalized” institution, as its capital ratios exceeded the minimum designated requirements. As of September 30, 2022, the Bank’s Tier 1 Leverage Ratio was 9.07%, Tier 1 Capital Ratio was 14.10% and Total Capital Ratio was 14.83%. The minimum requirements to be considered well capitalized are a Tier 1 Leverage Ratio of 5.0%, Tier 1 Capital Ratio of 8.0% and Total Capital Ratio of 10.0%.

Dividend: During the third quarter of 2022, the Corporation paid a $0.27 per common share cash dividend. Based on the Corporation’s closing stock price of $21.40 as of September 30, 2022, the annualized cash dividend yield was 5.05%.

About the Corporation

Isabella Bank Corporation (OTCQX: ISBA) is the parent holding company of Isabella Bank, a state chartered community bank headquartered in Mt. Pleasant, Michigan. Isabella Bank was established in 1903 and has been committed to serving the local banking needs of its customers and communities for 119 years. The Bank offers personal and commercial lending and deposit products, as well as investment, trust, and estate planning services through Isabella Wealth. The Bank has locations throughout seven Mid-Michigan counties: Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw.

For more information about Isabella Bank Corporation, visit the investors link at www.isabellabank.com. Isabella Bank Corporation common stock is quoted on the OTCQX tier of the OTC Markets Group, Inc.’s electronic quotation system (www.otcmarkets.com) under the symbol “ISBA.” The Corporation’s market maker is Boenning & Scattergood, Inc. (www.boenninginc.com) and its investor relations firm is Renmark Financial Communications, Inc. (www.renmarkfinancial.com).

Forward-Looking Statements

This press release includes forward-looking statements. To the extent that the foregoing information refers to matters that may occur in the future, please be aware that such forward-looking statements may differ materially from the actual results. Additional information concerning some of the factors that could cause materially different results is included in the sections titled “Risk Factors” and “Forward Looking Statements” set forth in Isabella Bank Corporation’s filings with the Securities and Exchange Commission, which are available from the Securities and Exchange Commission’s Public Reference facilities and from its website at www.sec.gov.

INTERIM CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED)

(Dollars in thousands)

			September 30 2022						December 31 2021
ASSETS
Cash and cash equivalents
Cash and demand deposits due from banks			$	26,763					$	25,563
Fed Funds sold and interest bearing balances due from banks			72,149						79,767
Total cash and cash equivalents			98,912						105,330
Available-for-sale securities, at fair value			581,233						490,601
Mortgage loans available-for-sale			934						1,735
Loans
Commercial			730,504						807,439
Agricultural			96,850						93,955
Residential real estate			334,412						326,361
Consumer			74,385						73,282
Gross loans			1,236,151						1,301,037
Less allowance for loan and lease losses			9,677						9,103
Net loans			1,226,474						1,291,934
Premises and equipment			25,107						24,419
Corporate owned life insurance policies			32,764						32,472
Equity securities without readily determinable fair values			15,496						17,383
Goodwill and other intangible assets			48,290						48,302
Accrued interest receivable and other assets			34,767						19,982
TOTAL ASSETS			$	2,063,977					$	2,032,158
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits
Noninterest bearing			$	510,127					$	448,352
Interest bearing demand deposits			368,537						364,563
Certificates of deposit under $250 and other savings			842,081						818,841
Certificates of deposit over $250			70,288						78,583
Total deposits			1,791,033						1,710,339
Borrowed funds
Federal funds purchased and repurchase agreements			52,479						50,162
Federal Home Loan Bank advances			—						20,000
Subordinated debt, net of unamortized issuance costs			29,225						29,158
Total borrowed funds			81,704						99,320
Accrued interest payable and other liabilities			14,628						11,451
Total liabilities			1,887,365						1,821,110
Shareholders’ equity
Common stock — no par value 15,000,000 shares authorized; issued and outstanding 7,564,348 shares (including 139,084 shares held in the Rabbi Trust) in 2022 and 7,532,641 shares (including 105,654 shares held in the Rabbi Trust) in 2021			129,094						129,052
Shares to be issued for deferred compensation obligations			4,888						4,545
Retained earnings			85,497						75,592
Accumulated other comprehensive income (loss)			(42,867)						1,859
Total shareholders’ equity			176,612						211,048
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY			$	2,063,977					$	2,032,158

INTERIM CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

(Dollars in thousands except per share amounts)

			Three Months Ended   September 30												Nine Months Ended   September 30
			2022						2021						2022						2021
Interest income
Loans, including fees			$	13,563					$	13,033					$	39,120					$	38,634
Available-for-sale securities
Taxable			2,209						1,224						5,851						3,529
Nontaxable			726						725						2,090						2,393
Federal funds sold and other			521						160						822						516
Total interest income			17,019						15,142						47,883						45,072
Interest expense
Deposits			908						1,251						2,698						4,363
Borrowings
Federal funds purchased and repurchase agreements			9						13						26						40
Federal Home Loan Bank advances			33						299						152						1,093
Subordinated debt, net of unamortized issuance costs			266						266						798						349
Total interest expense			1,216						1,829						3,674						5,845
Net interest income			15,803						13,313						44,209						39,227
Provision for loan losses			18						(107)						540						(599)
Net interest income after provision for loan losses			15,785						13,420						43,669						39,826
Noninterest income
Service charges and fees			2,122						1,964						6,615						5,489
Wealth management fees			679						772						2,217						2,274
Earnings on corporate owned life insurance policies			223						201						655						577
Net gain on sale of mortgage loans			174						339						568						1,459
Other			54						91						339						415
Total noninterest income			3,252						3,367						10,394						10,214
Noninterest expenses
Compensation and benefits			6,369						6,116						18,480						17,693
Furniture and equipment			1,490						1,349						4,382						4,049
Occupancy			918						866						2,813						2,726
Other			3,140						2,854						9,223						8,029
Total noninterest expenses			11,917						11,185						34,898						32,497
Income before federal income tax expense			7,120						5,602						19,165						17,543
Federal income tax expense			1,233						916						3,249						2,838
NET INCOME			$	5,887					$	4,686					$	15,916					$	14,705
Earnings per common share
Basic			$	0.78					$	0.59					$	2.11					$	1.85
Diluted			$	0.77					$	0.58					$	2.08					$	1.82
Cash dividends per common share			$	0.27					$	0.27					$	0.81					$	0.81

AVERAGE BALANCES, INTEREST RATE, AND NET INTEREST INCOME (UNAUDITED)

(Dollars in thousands)

The following schedules present the daily average amount outstanding for each major category of interest earning assets, non-earning assets, interest bearing liabilities, and noninterest bearing liabilities. These schedules also present an analysis of interest income and interest expense for the periods indicated. All interest income is reported on a fully taxable equivalent (FTE) basis using a federal income tax rate of 21%. Loans in nonaccrual status, for the purpose of the following computations, are included in the average loan balances. Federal Reserve Bank (FRB) and Federal Home Loan Bank (FHLB) restricted equity holdings are included in other interest earning assets.

			Three Months Ended
			September 30, 2022																		September 30, 2021
			Average Balance						Tax Equivalent Interest						Average Yield / Rate						Average Balance						Tax Equivalent Interest						Average Yield / Rate
INTEREST EARNING ASSETS
Loans			$	1,256,723					$	13,563					4.32		%				$	1,203,468					$	13,033					4.33		%
Taxable investment securities			490,751						2,190						1.79		%				332,056						1,224						1.47		%
Nontaxable investment securities			110,058						1,002						3.64		%				113,857						1,035						3.64		%
Fed funds sold			16						—						1.98		%				4						—						0.02		%
Other			101,687						521						2.05		%				262,023						160						0.24		%
Total earning assets			1,959,235						17,276						3.53		%				1,911,408						15,452						3.23		%
NONEARNING ASSETS
Allowance for loan losses			(9,691)																		(9,361)
Cash and demand deposits due from banks			24,875																		30,120
Premises and equipment			24,475																		24,540
Accrued income and other assets			78,151																		109,750
Total assets			$	2,077,045																	$	2,066,457
INTEREST BEARING LIABILITIES
Interest bearing demand deposits			$	381,282					$	64					0.07		%				$	366,345					$	46					0.05		%
Savings deposits			642,916						270						0.17		%				565,814						161						0.11		%
Time deposits			262,628						574						0.87		%				323,322						1,044						1.29		%
Federal funds purchased and repurchase agreements			49,267						9						0.07		%				62,790						13						0.08		%
Federal Home Loan Bank advances			6,739						33						1.96		%				62,718						299						1.91		%
Subordinated debt, net of unamortized issuance costs			29,211						266						3.64		%				29,124						266						3.65		%
Total interest bearing liabilities			1,372,043						1,216						0.35		%				1,410,113						1,829						0.52		%
NONINTEREST BEARING LIABILITIES
Demand deposits			497,215																		419,017
Other			13,627																		12,826
Shareholders’ equity			194,160																		224,501
Total liabilities and shareholders’ equity			$	2,077,045																	$	2,066,457
Net interest income (FTE)									$	16,060																	$	13,623
Net yield on interest earning assets (FTE)															3.28		%																2.85		%

			Nine Months Ended
			September 30, 2022																		September 30, 2021
			Average Balance						Tax Equivalent Interest						Average Yield / Rate						Average Balance						Tax Equivalent Interest						Average Yield / Rate
INTEREST EARNING ASSETS
Loans			$	1,251,206					$	39,120					4.17		%				$	1,202,060					$	38,634					4.29		%
Taxable investment securities			462,675						5,795						1.67		%				268,435						3,529						1.75		%
Nontaxable investment securities			107,041						2,934						3.65		%				122,675						3,346						3.64		%
Fed funds sold			8						—						1.69		%				3						—						0.01		%
Other			113,847						822						0.96		%				273,997						516						0.25		%
Total earning assets			1,934,777						48,671						3.35		%				1,867,170						46,025						3.29		%
NONEARNING ASSETS
Allowance for loan losses			(9,372)																		(9,502)
Cash and demand deposits due from banks			24,843																		29,236
Premises and equipment			24,401																		24,836
Accrued income and other assets			87,989																		109,835
Total assets			$	2,062,638																	$	2,021,575
INTEREST BEARING LIABILITIES
Interest bearing demand deposits			$	379,952					$	170					0.06		%				$	337,561					$	168					0.07		%
Savings deposits			628,823						600						0.13		%				549,213						459						0.11		%
Time deposits			275,586						1,928						0.93		%				345,960						3,736						1.44		%
Federal funds purchased and repurchase agreements			48,119						26						0.07		%				56,424						40						0.09		%
Federal Home Loan Bank advances			10,513						152						1.93		%				79,048						1,093						1.84		%
Subordinated debt, net of unamortized issuance costs			29,189						798						3.65		%				12,907						349						3.61		%
Total interest bearing liabilities			1,372,182						3,674						0.36		%				1,381,113						5,845						0.56		%
NONINTEREST BEARING LIABILITIES
Demand deposits			475,373																		405,046
Other			15,242																		13,144
Shareholders’ equity			199,841																		222,272
Total liabilities and shareholders’ equity			$	2,062,638																	$	2,021,575
Net interest income (FTE)									$	44,997																	$	40,180
Net yield on interest earning assets (FTE)															3.10		%																2.87		%

SELECTED FINANCIAL DATA (UNAUDITED)

(Dollars in thousands except per share amounts)

			Three Months Ended
			September 30 2022						June 30 2022						March 31 2022						December 31 2021						September 30 2021
PER SHARE
Basic earnings			$	0.78					$	0.70					$	0.63					$	0.63					$	0.59
Diluted earnings			$	0.77					$	0.69					$	0.62					$	0.63					$	0.58
Dividends			$	0.27					$	0.27					$	0.27					$	0.27					$	0.27
Tangible book value			$	16.96					$	18.85					$	19.56					$	21.61					$	21.87
Quoted market value
High			$	24.95					$	26.25					$	26.00					$	29.00					$	26.74
Low			$	21.39					$	23.00					$	24.50					$	24.75					$	22.55
Close (1)			$	21.40					$	24.80					$	25.85					$	25.50					$	26.03
Common shares outstanding (1)			7,564,348						7,553,113						7,542,758						7,532,641						7,926,610
Average number of common shares outstanding			7,555,333						7,545,001						7,533,711						7,570,961						7,932,227
Average number of diluted common shares outstanding			7,650,950						7,650,145						7,639,688						7,679,019						8,044,572
PERFORMANCE RATIOS
Return on average total assets			1.13		%				1.04		%				0.92		%				0.96		%				0.91		%
Return on average shareholders' equity			12.13		%				10.83		%				9.02		%				8.83		%				8.35		%
Return on average tangible shareholders' equity			16.15		%				14.38		%				11.72		%				11.31		%				10.65		%
Net interest margin yield (FTE)			3.28		%				3.16		%				2.86		%				2.86		%				2.85		%
ASSETS UNDER MANAGEMENT (1)
Loans sold with servicing retained			$	268,879					$	273,294					$	275,556					$	278,844					$	285,392
Assets managed by Isabella Wealth			$	464,136					$	454,535					$	501,829					$	516,243					$	491,784
Total assets under management			$	2,796,992					$	2,776,202					$	2,838,318					$	2,827,245					$	2,859,877
ASSET QUALITY (1)
Nonaccrual status loans			$	580					$	540					$	747					$	1,245					$	3,077
Performing troubled debt restructurings			$	18,702					$	21,905					$	22,335					$	25,276					$	26,189
Foreclosed assets			$	240					$	241					$	187					$	211					$	348
Net loan charge-offs (recoveries)			$	41					$	(11)					$	(64)					$	71					$	160
Nonperforming loans to gross loans			0.05		%				0.05		%				0.06		%				0.10		%				0.25		%
Nonperforming assets to total assets			0.04		%				0.05		%				0.05		%				0.08		%				0.18		%
Allowance for loan and lease losses to gross loans			0.78		%				0.76		%				0.76		%				0.70		%				0.73		%
CAPITAL RATIOS (1)
Shareholders' equity to assets			8.56		%				9.31		%				9.50		%				10.39		%				10.64		%
Tier 1 leverage			8.44		%				8.38		%				8.12		%				7.97		%				8.37		%
Common equity tier 1 capital			12.92		%				12.44		%				12.83		%				12.07		%				13.07		%
Tier 1 risk-based capital			12.92		%				12.44		%				12.83		%				12.07		%				13.07		%
Total risk-based capital			15.85		%				15.33		%				15.84		%				14.94		%				16.03		%

(1) At end of period

			Nine Months Ended
			September 30 2022						September 30 2021						September 30 2020
PER SHARE
Basic earnings			$	2.11					$	1.85					$	1.46
Diluted earnings			$	2.08					$	1.82					$	1.43
Dividends			$	0.81					$	0.81					$	0.81
Tangible book value			$	16.96					$	21.87					$	21.75
Quoted market value
High			$	26.25					$	26.74					$	24.50
Low			$	21.39					$	19.45					$	15.60
Close (1)			$	21.40					$	26.03					$	16.74
Common shares outstanding (1)			7,564,348						7,926,610						8,007,901
Average number of common shares outstanding			7,544,909						7,948,578						7,945,762
Average number of diluted common shares outstanding			7,647,117						8,065,252						8,096,802
PERFORMANCE RATIOS
Return on average total assets			1.03		%				0.97		%				0.82		%
Return on average shareholders' equity			10.62		%				8.82		%				7.04		%
Return on average tangible shareholders' equity			14.01		%				11.28		%				9.05		%
Net interest margin yield (FTE)			3.10		%				2.87		%				2.93		%
ASSETS UNDER MANAGEMENT (1)
Loans sold with servicing retained			$	268,879					$	285,392					$	289,524
Assets managed by Isabella Wealth			$	464,136					$	491,784					$	403,730
Total assets under management			$	2,796,992					$	2,859,877					$	2,664,951
ASSET QUALITY (1)
Nonaccrual status loans			$	580					$	3,077					$	4,946
Performing troubled debt restructurings			$	18,702					$	26,189					$	23,257
Foreclosed assets			$	240					$	348					$	651
Net loan charge-offs (recoveries)			$	(34)					$	52					$	(158)
Nonperforming loans to gross loans			0.05		%				0.25		%				0.38		%
Nonperforming assets to total assets			0.04		%				0.18		%				0.30		%
Allowance for loan and lease losses to gross loans			0.78		%				0.73		%				0.73		%
CAPITAL RATIOS (1)
Shareholders' equity to assets			8.56		%				10.64		%				11.29		%
Tier 1 leverage			8.44		%				8.37		%				8.76		%
Common equity tier 1 capital			12.92		%				13.07		%				12.90		%
Tier 1 risk-based capital			12.92		%				13.07		%				12.90		%
Total risk-based capital			15.85		%				16.03		%				13.64		%

(1) At end of period

SUPPLEMENTAL BALANCE SHEET DATA (UNAUDITED)

(Dollars in thousands)

			September 30 2022						June 30 2022						March 31 2022						December 31 2021						September 30 2021
Commercial			$	730,504					$	772,567					$	727,614					$	807,439					$	757,993
Agricultural			96,850						94,726						88,169						93,955						93,782
Residential real estate			334,412						329,795						328,559						326,361						321,620
Consumer			74,385						74,822						74,029						73,282						75,163
Gross loans			$	1,236,151					$	1,271,910					$	1,218,371					$	1,301,037					$	1,248,558

			September 30 2022						June 30 2022						March 31 2022						December 31 2021						September 30 2021
Noninterest bearing demand deposits			$	510,127					$	488,110					$	461,473					$	448,352					$	430,950
Interest bearing demand deposits			368,537						370,284						387,187						364,563						374,137
Savings deposits			651,129						635,397						635,195						596,662						572,136
Certificates of deposit			260,741						265,477						279,708						297,696						312,027
Internet certificates of deposit			499						598						598						3,066						3,066
Total deposits			$	1,791,033					$	1,759,866					$	1,764,161					$	1,710,339					$	1,692,316

			September 30 2022						June 30 2022						March 31 2022						December 31 2021						September 30 2021
U.S. Treasury			$	206,791					$	214,474					$	218,268					$	209,703					$	192,069
States and political subdivisions			114,000						119,649						114,015						121,205						128,689
Auction rate money market preferred			2,479						2,497						2,867						3,242						3,246
Mortgage-backed securities			41,042						45,796						49,578						56,148						62,030
Collateralized mortgage obligations			209,720						167,572						152,441						92,301						100,767
Corporate			7,201						7,602						7,750						8,002						7,583
Available-for-sale securities, at fair value			$	581,233					$	557,590					$	544,919					$	490,601					$	494,384

			September 30 2022						June 30 2022						March 31 2022						December 31 2021						September 30 2021
Securities sold under agreements to repurchase without stated maturity dates			$	52,479					$	47,247					$	51,353					$	50,162					$	67,519
Federal Home Loan Bank advances			—						10,000						10,000						20,000						60,000
Subordinated debt, net of unamortized issuance costs			29,225						29,203						29,181						29,158						29,136
Total borrowed funds			$	81,704					$	86,450					$	90,534					$	99,320					$	156,655

SUPPLEMENTAL STATEMENTS OF INCOME DATA (UNAUDITED)

(Dollars in thousands)

			Three Months Ended   September 30												Nine Months Ended   September 30
			2022						2021						2022						2021
Service charges and fees
ATM and debit card fees			$	1,212					$	1,156					$	3,507					$	3,282
Service charges and fees on deposit accounts			673						601						1,913						1,518
Freddie Mac servicing fee			168						177						506						572
Net mortgage servicing rights income (loss)			—						(28)						477						(128)
Other fees for customer services			69						58						212						245
Total service charges and fees			2,122						1,964						6,615						5,489
Wealth management fees			679						772						2,217						2,274
Earnings on corporate owned life insurance policies			223						201						655						577
Net gain on sale of mortgage loans			174						339						568						1,459
Other			54						91						339						415
Total noninterest income			$	3,252					$	3,367					$	10,394					$	10,214

			Three Months Ended   September 30												Nine Months Ended   September 30
			2022						2021						2022						2021
Compensation and benefits			$	6,369					$	6,116					$	18,480					$	17,693
Furniture and equipment			1,490						1,349						4,382						4,049
Occupancy			918						866						2,813						2,726
Other
Audit, consulting, and legal fees			595						665						1,749						1,553
ATM and debit card fees			543						473						1,485						1,352
Marketing costs			209						236						812						683
Donations and community relations			239						198						665						452
Memberships and subscriptions			230						234						654						662
Loan underwriting fees			243						238						640						628
Director fees			210						166						598						505
All other			871						644						2,620						2,194
Total other noninterest expenses			3,140						2,854						9,223						8,029
Total noninterest expenses			$	11,917					$	11,185					$	34,898					$	32,497