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 Second Quarter 2023 Earnings

Growth in loans, Isabella Wealth during Q2; results remain strong despite interest rate headwinds

Mt. Pleasant, Michigan, July 20, 2023 — Isabella Bank Corporation (the “Corporation”) (OTCQX: ISBA) has reported net income of $4.6 million for the second quarter of 2023 and $10 million for the six-month period ended June 30, 2023. Earnings per common share were $0.62 for the second quarter of 2023 and $1.32 for the first half of the year.

Second Quarter 2023 Highlights:

•Loans grew $64 million, or 5%, during the quarter.

•Interest income improved 21%, compared to second quarter of 2022.

•Assets managed by Isabella Wealth grew more than $22 million, or 4%, during the quarter.

•Shareholders earned a cash dividend of $0.28 per share, with an annualized dividend yield of 5.46%, as of June 30, 2023.

“Our financial performance remains strong despite the challenges our industry faces with current interest rate dynamics,” said Jae A. Evans, President and Chief Executive Officer. “Competition for deposits was strong during the quarter, leading to continued pressure on our net interest margin and a decline in deposits. Despite this decline, our liquidity position remains strong.

“We are safeguarding the long-term success of the bank with strategic decisions and initiatives that will enhance shareholder value and the customer experience. One such action, for which planning began last year, is our first move into Bay County. The upcoming opening of our Bay City loan production office (LPO) is a great opportunity for us to assist individuals and businesses throughout the area with their loan needs," Evans said. "The continued growth of our footprint demonstrates our ongoing commitment to customers and communities as a leading, independent community bank.”

Operating Results

Net income: Net income for second quarter 2023 was $4.6 million, compared to $5.3 million in the second quarter of 2022. Net income for the first six months of the year was $10 million, remaining stable year over year. Interest income continued to improve in the second quarter and nearly offset the increase in interest expense due to rising rates on deposits.

Net interest income: Net interest income for second quarter 2023 decreased $248,000 compared to the second quarter of 2022. For the first six months of the year, net interest income increased $1.6 million compared to the same period in 2022. Rising interest rates and continued loan growth led to an increase in gross interest income of $3.4 million and $7.2 million for the second quarter and first six months of 2023, compared to the same periods in 2022. While the Bank continues to benefit from a strategic reduction in higher-cost borrowings, implemented in prior periods, rising interest rates on deposits led to a $3.6 million and $5.6 million increase in interest expense for the second quarter and first six months of 2023, compared the same periods in 2022.

Noninterest income and expenses: Noninterest income was $3.6 million for the second quarter of both 2023 and 2022. For the first six months of 2023, noninterest income decreased $245,000 compared to the same period in 2022, driven by a $554,000 reduction in mortgage servicing rights income, as rising interest rates led to a decline in both the volume and balance of loans serviced. Noninterest expenses increased $878,000 during the second quarter of 2023 and $1.8 million for the six-month period ended June 30, 2023 in comparison to the same periods in 2022. The increase was primarily the result of increased expense related to compensation, equipment, and FDIC insurance.

Net yield on interest earning assets: The Corporation’s fully taxable equivalent net yield on interest earning assets was 3.11% and 3.17% for the three and six months ended June 30, 2023, compared to 3.16% and 3.01% for the same periods in 2022. While the second quarter of 2023 fell in comparison to the same period in 2022, net yield for the first half of 2023 improved significantly through strategic initiatives - such as the reduced reliance on higher-cost borrowed funds and brokered deposits - that were implemented in prior periods in anticipation of rising interest rates.

Balance Sheet

Assets: Total assets were $2 billion and assets under management were $2.9 billion as of June 30, 2023. Managed assets include loans sold and serviced of $255 million as well as $594 million in investment and trust assets managed by Isabella Wealth. Investment and trust assets increased $80 million, or 15.5%, since December 31, 2022.

Loans: Loans outstanding as of June 30, 2023 totaled $1.3 billion. Gross loans increased $63.8 million during the second quarter and rose $70.2 million compared to December 31, 2022. This reflects growth in the consumer portfolio and a resumption of the Bank's engagement with a mortgage participation program. Adherence to

strong underwriting standards continued to be reflected in the low levels of total past due and nonaccrual loans, which were $3.7 million, or 0.28% of total loans, at the end of the period.

Deposits: Total deposits were $1.7 billion as of June 30, 2023, a decrease of $29.3 million, or 1.7%, since December 31, 2022. The decline occurred during the second quarter, and was driven by strong pricing competition within the industry.

Capital: The Bank is considered a “well-capitalized” institution, as its capital ratios exceeded the minimum designated requirements. As of June 30, 2023, the Bank’s Tier 1 Leverage Ratio was 9.17%, Tier 1 Capital Ratio was 13.08%, and Total Capital Ratio was 14.00%. 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 second quarter of 2023, the Corporation paid a $0.28 per common share cash dividend. Based on the Corporation’s closing stock price of $20.50 as of June 30, 2023, the annualized cash dividend yield was 5.46%.

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 120 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 Investor Relations 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 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.

CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED)

(Dollars in thousands)

			June 30 2023						December 31 2022
ASSETS
Cash and cash equivalents
Cash and demand deposits due from banks			$	25,584					$	27,420
Fed Funds sold and interest bearing balances due from banks			4,296						11,504
Total cash and cash equivalents			29,880						38,924
Available-for-sale securities, at fair value			530,497						580,481
Mortgage loans available-for-sale			362						379
Loans			1,334,402						1,264,173
Less allowance for credit losses			12,833						9,850
Net loans			1,321,569						1,254,323
Premises and equipment			26,383						25,553
Corporate owned life insurance policies			33,433						32,988
Equity securities without readily determinable fair values			15,746						15,746
Goodwill and other intangible assets			48,285						48,287
Accrued interest receivable and other assets			36,293						33,586
TOTAL ASSETS			$	2,042,448					$	2,030,267
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits
Noninterest bearing			$	458,845					$	494,346
Interest bearing demand deposits			335,922						372,155
Certificates of deposit under $250 and other savings			824,272						810,642
Certificates of deposit over $250			95,909						67,132
Total deposits			1,714,948						1,744,275
Borrowed funds
Federal funds purchased and repurchase agreements			37,102						57,771
Federal Home Loan Bank advances			55,000						—
Subordinated debt, net of unamortized issuance costs			29,290						29,245
Total borrowed funds			121,392						87,016
Accrued interest payable and other liabilities			17,677						12,766
Total liabilities			1,854,017						1,844,057
Shareholders’ equity
Common stock — no par value 15,000,000 shares authorized; issued and outstanding 7,496,826 shares (including 195,217 shares held in the Rabbi Trust) in 2023 and 7,559,421 shares (including 154,879 shares held in the Rabbi Trust) in 2022			126,278						128,651
Shares to be issued for deferred compensation obligations			5,395						5,005
Retained earnings			93,175						89,748
Accumulated other comprehensive income (loss)			(36,417)						(37,194)
Total shareholders’ equity			188,431						186,210
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY			$	2,042,448					$	2,030,267

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

(Dollars in thousands except per share amounts)

			Three Months Ended   June 30												Six Months Ended   June 30
			2023						2022						2023						2022
Interest income
Loans, including fees			$	15,931					$	13,179					$	30,820					$	25,557
Available-for-sale securities
Taxable			2,382						2,027						4,884						3,642
Nontaxable			665						704						1,383						1,364
Federal funds sold and other			517						192						1,003						301
Total interest income			19,495						16,102						38,090						30,864
Interest expense
Deposits			4,109						854						6,938						1,790
Borrowings
Federal funds purchased and repurchase agreements			171						8						320						17
Federal Home Loan Bank advances			270						47						270						119
Subordinated debt, net of unamortized issuance costs			266						266						532						532
Total interest expense			4,816						1,175						8,060						2,458
Net interest income			14,679						14,927						30,030						28,406
Provision for credit losses			196						485						237						522
Net interest income after provision for credit losses			14,483						14,442						29,793						27,884
Noninterest income
Service charges and fees			2,047						2,284						4,025						4,493
Wealth management fees			981						784						1,767						1,538
Earnings on corporate owned life insurance policies			226						222						452						432
Net gain on sale of mortgage loans			56						170						123						394
Other			294						135						530						285
Total noninterest income			3,604						3,595						6,897						7,142
Noninterest expenses
Compensation and benefits			6,561						6,037						13,150						12,111
Furniture and equipment			1,613						1,442						3,210						2,892
Occupancy			993						929						1,998						1,895
Other			3,372						3,253						6,379						6,083
Total noninterest expenses			12,539						11,661						24,737						22,981
Income before federal income tax expense			5,548						6,376						11,953						12,045
Federal income tax expense			918						1,081						2,002						2,016
NET INCOME			$	4,630					$	5,295					$	9,951					$	10,029
Earnings per common share
Basic			$	0.62					$	0.70					$	1.32					$	1.33
Diluted			$	0.61					$	0.69					$	1.31					$	1.31
Cash dividends per common share			$	0.28					$	0.27					$	0.56					$	0.54

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
			June 30, 2023																		June 30, 2022
			Average Balance						Tax Equivalent Interest						Average Yield / Rate						Average Balance						Tax Equivalent Interest						Average Yield / Rate
INTEREST EARNING ASSETS
Loans (1)			$	1,300,593					$	15,931					4.90		%				$	1,259,573					$	13,179					4.19		%
Taxable investment securities			485,897						2,356						1.94		%				475,010						2,027						1.71		%
Nontaxable investment securities			97,755						946						3.87		%				109,367						975						3.57		%
Fed funds sold			4						—						4.70		%				6						—						1.47		%
Other			37,664						517						5.49		%				77,176						192						1.00		%
Total earning assets			1,921,913						19,750						4.11		%				1,921,132						16,373						3.41		%
NONEARNING ASSETS
Allowance for credit losses			(12,759)																		(9,288)
Cash and demand deposits due from banks			24,807																		22,838
Premises and equipment			26,401																		24,269
Accrued income and other assets			80,374																		84,590
Total assets			$	2,040,736																	$	2,043,541
INTEREST BEARING LIABILITIES
Interest bearing demand deposits			$	348,341					194						0.22		%				$	375,123					56						0.06		%
Savings deposits			628,673						1,849						1.18		%				627,916						171						0.11		%
Time deposits			303,117						2,066						2.73		%				274,284						627						0.91		%
Federal funds purchased and repurchase agreements			35,495						171						1.93		%				46,029						8						0.07		%
Federal Home Loan Bank advances			20,404						270						5.29		%				10,000						47						1.88		%
Subordinated debt, net of unamortized issuance costs			29,275						266						3.63		%				29,188						266						3.65		%
Total interest bearing liabilities			1,365,305						4,816						1.41		%				1,362,540						1,175						0.34		%
NONINTEREST BEARING LIABILITIES
Demand deposits			462,953																		470,139
Other			16,906																		15,237
Shareholders’ equity			195,572																		195,625
Total liabilities and shareholders’ equity			$	2,040,736																	$	2,043,541
Net interest income (FTE)									$	14,934																	$	15,198
Net yield on interest earning assets (FTE)															3.11		%																3.16		%

(1) Includes loans and mortgage loans AFS

			Six Months Ended
			June 30, 2023																		June 30, 2022
			Average Balance						Tax Equivalent Interest						Average Yield / Rate						Average Balance						Tax Equivalent Interest						Average Yield / Rate
INTEREST EARNING ASSETS
Loans (1)			$	1,284,520					$	30,820					4.80		%				$	1,247,746					$	25,557					4.10		%
Taxable investment securities			495,340						4,827						1.95		%				448,405						3,642						1.62		%
Nontaxable investment securities			101,973						1,967						3.86		%				105,507						1,895						3.59		%
Fed funds sold			10						—						4.77		%				4						—						1.12		%
Other			49,059						1,003						4.09		%				120,027						301						0.50		%
Total earning assets			1,930,902						38,617						4.00		%				1,921,689						31,395						3.27		%
NONEARNING ASSETS
Allowance for credit losses			(12,709)																		(9,209)
Cash and demand deposits due from banks			24,918																		24,827
Premises and equipment			26,132																		24,364
Accrued income and other assets			75,746																		93,648
Total assets			$	2,044,989																	$	2,055,319
INTEREST BEARING LIABILITIES
Interest bearing demand deposits			$	363,942					340						0.19		%				$	379,275					106						0.06		%
Savings deposits			637,281						3,315						1.04		%				621,661						330						0.11		%
Time deposits			285,389						3,283						2.30		%				282,172						1,354						0.96		%
Federal funds purchased and repurchase agreements			37,656						320						1.70		%				47,535						17						0.07		%
Federal Home Loan Bank advances			10,193						270						5.30		%				12,431						119						1.91		%
Subordinated debt, net of unamortized issuance costs			29,264						532						3.64		%				29,177						532						3.65		%
Total interest bearing liabilities			1,363,725						8,060						1.18		%				1,372,251						2,458						0.36		%
NONINTEREST BEARING LIABILITIES
Demand deposits			474,656																		464,271
Other			15,005																		16,061
Shareholders’ equity			191,603																		202,736
Total liabilities and shareholders’ equity			$	2,044,989																	$	2,055,319
Net interest income (FTE)									$	30,557																	$	28,937
Net yield on interest earning assets (FTE)															3.17		%																3.01		%

(1) Includes loans and mortgage loans AFS

SELECTED FINANCIAL DATA (UNAUDITED)

(Dollars in thousands except per share amounts)

			Three Months Ended
			June 30 2023						March 31 2023						December 31 2022						September 30 2022						June 30 2022
PER SHARE
Basic earnings			$	0.62					$	0.70					$	0.84					$	0.78					$	0.70
Diluted earnings			$	0.61					$	0.70					$	0.83					$	0.77					$	0.69
Dividends			$	0.28					$	0.28					$	0.28					$	0.27					$	0.27
Tangible book value			$	18.69					$	19.24					$	18.25					$	16.96					$	18.85
Quoted market value
High			$	26.00					$	25.10					$	24.02					$	24.95					$	26.25
Low			$	19.13					$	22.08					$	21.00					$	21.39					$	23.00
Close (1)			$	20.50					$	24.80					$	23.50					$	21.40					$	24.80
Common shares outstanding (1)			7,496,826						7,540,015						7,559,421						7,564,348						7,553,113
Average number of common shares outstanding			7,498,584						7,556,585						7,564,405						7,555,333						7,545,001
Average number of diluted common shares outstanding			7,567,527						7,634,417						7,648,152						7,650,950						7,650,145
PERFORMANCE RATIOS
Return on average total assets			0.91		%				1.04		%				1.24		%				1.13		%				1.04		%
Return on average shareholders' equity			9.47		%				11.35		%				14.01		%				12.13		%				10.83		%
Return on average tangible shareholders' equity			12.58		%				15.28		%				19.14		%				16.15		%				14.38		%
Net interest margin yield (FTE)			3.11		%				3.22		%				3.43		%				3.28		%				3.16		%
ASSETS UNDER MANAGEMENT (1)
Loans sold with servicing retained			$	254,934					$	259,512					$	264,206					$	268,879					$	273,294
Assets managed by Isabella Wealth			$	593,530					$	571,453					$	513,918					$	464,136					$	454,535
Total assets under management			$	2,890,912					$	2,915,589					$	2,808,391					$	2,796,992					$	2,776,202
ASSET QUALITY (1)
Nonaccrual loans			$	414					$	488					$	457					$	580					$	540
Foreclosed assets			$	405					$	414					$	439					$	240					$	241
Net loan charge-offs (recoveries)			$	(3)					$	(9)					$	(230)					$	41					$	(11)
Nonperforming loans to gross loans			0.04		%				0.04		%				0.04		%				0.05		%				0.05		%
Nonperforming assets to total assets			0.05		%				0.05		%				0.05		%				0.04		%				0.05		%
Allowance for credit losses to gross loans			0.96		%				0.99		%				0.78		%				0.78		%				0.76		%
CAPITAL RATIOS (1)
Shareholders' equity to assets			9.23		%				9.27		%				9.17		%				8.56		%				9.31		%
Tier 1 leverage			8.70		%				8.58		%				8.61		%				8.44		%				8.38		%
Common equity tier 1 capital			12.39		%				12.71		%				12.91		%				12.92		%				12.44		%
Tier 1 risk-based capital			12.39		%				12.71		%				12.91		%				12.92		%				12.44		%
Total risk-based capital			15.37		%				15.77		%				15.79		%				15.85		%				15.33		%

(1) At end of period

SELECTED FINANCIAL DATA (UNAUDITED)

(Dollars in thousands except per share amounts)

			Six Months Ended
			June 30 2023						June 30 2022						June 30 2021
PER SHARE
Basic earnings			$	1.32					$	1.33					$	1.26
Diluted earnings			$	1.31					$	1.31					$	1.24
Dividends			$	0.56					$	0.54					$	0.54
Tangible book value			$	18.69					$	18.85					$	21.73
Quoted market value
High			$	26.00					$	26.25					$	23.90
Low			$	19.13					$	23.00					$	19.45
Close (1)			$	20.50					$	24.80					$	23.00
Common shares outstanding (1)			7,496,826						7,553,113						7,946,658
Average number of common shares outstanding			7,528,251						7,539,799						7,956,889
Average number of diluted common shares outstanding			7,601,613						7,645,357						8,075,763
PERFORMANCE RATIOS
Return on average total assets			0.97		%				0.98		%				1.00		%
Return on average shareholders' equity			10.39		%				9.89		%				9.06		%
Return on average tangible shareholders' equity			13.89		%				13.00		%				11.61		%
Net interest margin yield (FTE)			3.17		%				3.01		%				2.88		%
ASSETS UNDER MANAGEMENT (1)
Loans sold with servicing retained			$	254,934					$	273,294					$	290,033
Assets managed by Isabella Wealth			$	593,530					$	454,535					$	493,287
Total assets under management			$	2,890,912					$	2,776,202					$	2,814,727
ASSET QUALITY (1)
Nonaccrual loans			$	414					$	540					$	3,329
Foreclosed assets			$	405					$	241					$	365
Net loan charge-offs (recoveries)			$	(12)					$	(75)					$	(108)
Nonperforming loans to gross loans			0.04		%				0.05		%				0.28		%
Nonperforming assets to total assets			0.05		%				0.05		%				0.19		%
Allowance for credit losses to gross loans			0.96		%				0.76		%				0.78		%
CAPITAL RATIOS (1)
Shareholders' equity to assets			9.23		%				9.31		%				10.88		%
Tier 1 leverage			8.70		%				8.38		%				8.46		%
Common equity tier 1 capital			12.39		%				12.44		%				13.81		%
Tier 1 risk-based capital			12.39		%				12.44		%				13.81		%
Total risk-based capital			15.37		%				15.33		%				17.00		%

(1) At end of period

SUPPLEMENTAL BALANCE SHEET DATA (UNAUDITED)

(Dollars in thousands)

			June 30 2023						March 31 2023						December 31 2022						September 30 2022						June 30 2022
Commercial and industrial			$	194,914					$	189,185					$	178,428					$	180,124					$	175,674
Commercial real estate			564,254						566,410						566,012						552,399						559,602
Advances to mortgage brokers			39,099						—						—						1,484						37,291
Agricultural			96,689						94,760						104,985						97,527						94,726
Residential real estate			343,474						336,186						336,694						330,232						329,795
Consumer			95,972						84,110						78,054						74,385						74,822
Gross loans			$	1,334,402					$	1,270,651					$	1,264,173					$	1,236,151					$	1,271,910

			June 30 2023						March 31 2023						December 31 2022						September 30 2022						June 30 2022
Noninterest bearing demand deposits			$	458,845					$	478,829					$	494,346					$	510,127					$	488,110
Interest bearing demand deposits			335,922						383,602						372,155						368,537						370,284
Savings deposits			606,644						662,495						625,734						651,129						635,397
Certificates of deposit			313,288						288,103						251,541						260,741						265,477
Internet certificates of deposit			249						499						499						499						598
Total deposits			$	1,714,948					$	1,813,528					$	1,744,275					$	1,791,033					$	1,759,866

			June 30 2023						March 31 2023						December 31 2022						September 30 2022						June 30 2022
U.S. Treasury			$	209,353					$	212,086					$	208,701					$	206,791					$	214,474
States and political subdivisions			95,242						108,719						117,512						114,000						119,649
Auction rate money market preferred			2,637						2,716						2,342						2,479						2,497
Mortgage-backed securities			35,532						37,797						39,070						41,042						45,796
Collateralized mortgage obligations			180,996						200,252						205,728						209,720						167,572
Corporate			6,737						7,080						7,128						7,201						7,602
Available-for-sale securities, at fair value			$	530,497					$	568,650					$	580,481					$	581,233					$	557,590

			June 30 2023						March 31 2023						December 31 2022						September 30 2022						June 30 2022
Securities sold under agreements to repurchase without stated maturity dates			$	37,102					$	31,995					$	57,771					$	52,479					$	47,247
Federal Home Loan Bank advances			55,000						—						—						—						10,000
Subordinated debt, net of unamortized issuance costs			29,290						29,267						29,245						29,225						29,203
Total borrowed funds			$	121,392					$	61,262					$	87,016					$	81,704					$	86,450

SUPPLEMENTAL STATEMENTS OF INCOME DATA (UNAUDITED)

(Dollars in thousands)

			Three Months Ended June 30												Six Months Ended June 30
			2023						2022						2023						2022
Service charges and fees
ATM and debit card fees			$	1,244					$	1,202					$	2,404					$	2,295
Service charges and fees on deposit accounts			588						631						1,199						1,240
Freddie Mac servicing fee			162						167						321						338
Net mortgage servicing rights income (loss)			(41)						213						(77)						477
Other fees for customer services			94						71						178						143
Total service charges and fees			2,047						2,284						4,025						4,493
Wealth management fees			981						784						1,767						1,538
Earnings on corporate owned life insurance policies			226						222						452						432
Net gain on sale of mortgage loans			56						170						123						394
Other			294						135						530						285
Total noninterest income			$	3,604					$	3,595					$	6,897					$	7,142

			Three Months Ended June 30												Six Months Ended June 30
			2023						2022						2023						2022
Compensation and benefits			$	6,561					$	6,037					$	13,150					$	12,111
Furniture and equipment			1,613						1,442						3,210						2,892
Occupancy			993						929						1,998						1,895
Other
Audit, consulting, and legal fees			557						605						1,092						1,154
ATM and debit card fees			409						508						809						942
Other losses			425						233						572						316
Marketing costs			240						364						485						603
Memberships and subscriptions			230						207						470						424
FDIC insurance premiums			233						131						461						256
Donations and community relations			256						139						440						426
Loan underwriting fees			216						215						431						397
Director fees			198						187						402						388
All other			608						664						1,217						1,177
Total other noninterest expenses			3,372						3,253						6,379						6,083
Total noninterest expenses			$	12,539					$	11,661					$	24,737					$	22,981