MarketCapExport financials
Investors Bancorp (ISBC)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Investors Bancorp Balance Sheet 2021-2011 | ISBC
Brief overview of Investors Bancorp's financial position
The review uses the five latest available annual reports between 2017 and 2021.
Assets grew from $25.1 billion to $27.8 billion. An increase of +10.7% at roughly 2.6% CAGR was not especially fast.
Asset growth of +10.7% was close to the +13% change in liabilities, leaving the funding profile broadly stable.
Banks and insurers cannot be assessed like industrial businesses on liabilities alone. Here, equity represents 10.6% of assets, previously 12.4%.
Retained earnings are $1.5 billion versus $1.1 billion initially. The direction shows how results contributed to equity.
Overall picture
Investors Bancorp has a workable but not unconditionally strong balance sheet. Resilience depends on sustained earnings and liability control.
Annual Balance Sheet Investors Bancorp
| 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | 2.68 B | 5.65 B | 5.24 B | 3.84 B | 4.38 B | 3.11 B | 2.54 B | 3.12 B | 2.55 B | 2.17 B |
Long Term Debt |
- | 2.85 B | 5.83 B | 5.44 B | 4.46 B | 4.55 B | 3.26 B | 2.77 B | 3.37 B | 2.71 B | 2.26 B |
Total Non Current Liabilities |
- | - | 400 M | 255 M | 122 M | 131 M | 237 M | - | - | - | - |
Total Liabilities |
24.9 B | 23.3 B | 24.1 B | 23.2 B | 22 B | 20.1 B | 17.6 B | 15.2 B | 14.3 B | 11.7 B | 9.73 B |
Retained Earnings |
1.51 B | 1.34 B | 1.25 B | 1.17 B | 1.08 B | 1.05 B | 936 M | 837 M | 735 M | 645 M | 562 M |
Total Assets |
27.8 B | 26 B | 26.7 B | 26.2 B | 25.1 B | 23.2 B | 20.9 B | 18.8 B | 15.6 B | 12.7 B | 10.7 B |
Cash and Cash Equivalents |
288 M | 170 M | 175 M | 197 M | 618 M | 164 M | 149 M | 231 M | 251 M | 155 M | - |
Book Value |
2.94 B | 2.71 B | 2.62 B | 3.01 B | 3.13 B | 3.12 B | 3.31 B | 3.58 B | 1.33 B | 1.07 B | 967 M |
Total Shareholders Equity |
2.94 B | 2.71 B | 2.62 B | 3.01 B | 3.13 B | 3.12 B | 3.31 B | 3.58 B | 1.33 B | 1.07 B | - |
All numbers in USD currency
Quarterly Balance Sheet Investors Bancorp
| 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
- | - | - | - | 24.9 B | 24.5 B | 24 B | 23.1 B | 23.3 B | 23.9 B | 24.6 B | 24.1 B | 24.1 B | 23.8 B | 24.1 B | 23.6 B | 23.2 B | 22.5 B | 22.3 B | 22.1 B | 22 B | 21.6 B | 21.2 B | 20.7 B | 20.1 B | 19.4 B | 18.6 B | 18 B | 17.6 B | 17 B | 16.6 B | 15.8 B | 15.2 B | 14.3 B | 13.9 B | 15 B | 14.3 B | 14.3 B | 14.3 B | 14.3 B | - | - | - | - | - | - | - | - |
Retained Earnings |
- | - | - | - | 1.51 B | 1.45 B | 1.42 B | 1.38 B | 1.34 B | 1.29 B | 1.26 B | 1.25 B | 1.25 B | 1.23 B | 1.21 B | 1.19 B | 1.17 B | 1.17 B | 1.15 B | 1.12 B | 1.08 B | 1.11 B | 1.09 B | 1.08 B | 1.05 B | 1.01 B | 985 M | 960 M | 936 M | 909 M | 877 M | 843 M | 837 M | 808 M | 783 M | 762 M | 735 M | 735 M | 735 M | 735 M | - | - | - | - | - | - | - | - |
Total Assets |
- | - | - | - | 27.8 B | 27.3 B | 26.8 B | 25.8 B | 26 B | 26.6 B | 27.2 B | 26.7 B | 26.7 B | 26.7 B | 27.1 B | 26.5 B | 26.2 B | 25.5 B | 25.4 B | 25.2 B | 25.1 B | 24.8 B | 24.3 B | 23.9 B | 23.2 B | 22.5 B | 21.7 B | 21.2 B | 20.9 B | 20.3 B | 20 B | 19.4 B | 18.8 B | 17.8 B | 17.5 B | 16.4 B | 15.6 B | 15.6 B | 15.6 B | 15.6 B | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
- | - | - | - | 288 M | 670 M | 770 M | 173 M | 170 M | 558 M | 735 M | 672 M | 175 M | 195 M | 254 M | 186 M | 197 M | 211 M | 196 M | 153 M | 618 M | 413 M | 214 M | 166 M | 164 M | 169 M | 148 M | 144 M | 149 M | 162 M | 229 M | 229 M | 231 M | 238 M | 301 M | 236 M | 251 M | 251 M | 251 M | 251 M | 155 M | - | - | - | 90.1 M | - | - | - |
Book Value |
- | - | - | - | 2.94 B | 2.85 B | 2.81 B | 2.77 B | 2.71 B | 2.67 B | 2.62 B | 2.59 B | 2.62 B | 2.93 B | 2.93 B | 2.96 B | 3.01 B | 3.04 B | 3.09 B | 3.09 B | 3.13 B | 3.16 B | 3.15 B | 3.16 B | 3.12 B | 3.12 B | 3.13 B | 3.22 B | 3.31 B | 3.36 B | 3.41 B | 3.56 B | 3.58 B | 3.55 B | 3.52 B | 1.4 B | 1.33 B | 1.33 B | 1.33 B | 1.33 B | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
- | - | - | - | 2.94 B | 2.85 B | 2.81 B | 2.77 B | 2.71 B | 2.67 B | 2.62 B | 2.59 B | 2.62 B | 2.93 B | 2.93 B | 2.96 B | 3.01 B | 3.04 B | 3.09 B | 3.09 B | 3.13 B | 3.16 B | 3.15 B | 3.16 B | 3.12 B | 3.12 B | 3.13 B | 3.22 B | 3.31 B | 3.36 B | 3.41 B | 3.56 B | 3.58 B | 3.55 B | 3.52 B | 1.4 B | 1.33 B | 1.33 B | 1.33 B | 1.33 B | 1.07 B | - | - | - | 967 M | - | - | - |
All numbers in USD currency
Balance Sheet is a fundamental financial report of Investors Bancorp, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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