Call reports 2002
IRWIN UNION BANK AND TRUST COMPANY — 2002
What IRWIN UNION BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 3,072,054,000 | 3,360,862,000 | 3,614,650,000 | 4,567,878,000 |
| Total loans | 2,594,722,000 | 2,911,128,000 | 3,183,227,000 | 4,037,053,000 |
| Allowance for loan losses | 29,381,000 | 36,281,000 | 46,237,000 | 50,303,000 |
| Securities available for sale | 5,486,000 | 4,568,000 | 1,022,000 | 1,731,000 |
| Securities held to maturity | 5,779,000 | 5,589,000 | 5,475,000 | 5,349,000 |
| Trading assets | 0 | 0 | 0 | 449,000 |
| Total deposits | 2,070,377,000 | 2,033,432,000 | 2,284,760,000 | 2,406,892,000 |
| Interest-bearing deposits | 1,642,669,000 | 1,641,309,000 | 1,652,995,000 | 1,641,277,000 |
| Noninterest-bearing deposits | 427,708,000 | 392,123,000 | 631,766,000 | 765,615,000 |
| Equity capital | 337,148,000 | 353,729,000 | 361,220,000 | 427,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 52,948,000 | 107,750,000 | 172,687,000 | 252,409,000 |
| Interest expense | 17,353,000 | 34,791,000 | 54,168,000 | 73,738,000 |
| Net interest income | 35,595,000 | 72,959,000 | 118,519,000 | 178,671,000 |
| Noninterest income | 50,998,000 | 90,332,000 | 140,570,000 | 238,645,000 |
| Noninterest expense | 61,702,000 | 123,504,000 | 190,974,000 | 293,702,000 |
| Provision for loan losses | 10,073,000 | 19,492,000 | 35,016,000 | 43,420,000 |
| Pretax income | 14,818,000 | 20,295,000 | 33,099,000 | 80,194,000 |
| Income tax | 6,353,000 | 8,484,000 | 13,486,000 | 32,091,000 |
| Net income | 8,465,000 | 11,811,000 | 19,613,000 | 48,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 336,592,000 | 348,674,000 | 353,498,000 | 418,676,000 |
| Total capital | 365,973,000 | 384,955,000 | 401,785,000 | 498,979,000 |
| Risk-weighted assets | 2,959,266,000 | 3,128,718,000 | 3,257,516,000 | 4,033,392,000 |