ISBC 2017 Form 10-K & 2018 Proxy Statement

Total Assets at December 31 (dollars in billions) Net Loans Outstanding at December 31 (dollars in billions) Deposits at December 31 (dollars in billions) SELECTED FINANCIAL DATA (In thousands, except branch data and percent data) 6 • investorsbank.com * 2017 2016 2015 Total assets $25,129,244 $23,174,675 $20,888,684 Net loans outstanding 19,857,286 18,608,153 16,668,564 Securities 3,784,348 3,415,989 3,148,920 Deposits 17,357,697 15,280,833 14,063,656 Borrowed funds 4,461,533 4,546,251 3,263,090 Stockholders' equity 3,125,451 3,123,245 3,311,647 Number of full service offices 156 151 140 2017 2016 2015 Net interest income $679,776 $640,185 $595,084 Net income 126,744 192,125 181,505 Return on average assets 0.52% 0.88% 0.92% Return on average equity 4.00% 6.06% 5.26% Interest rate spread 2.67% 2.83% 2.91% Net interest margin 2.89% 3.04% 3.12% Non-performing assets to total assets 0.61% 0.47% 0.69% Average equity to average assets 13.06% 14.52% 17.41% 2015 20.9 16.7 14.1 23.2 18.6 15.3 25.1 19.9 17.4 2015 2015 2016 2016 2016 2017 2017 2017