Call reports 2003
IRWIN UNION BANK AND TRUST COMPANY — 2003
What IRWIN UNION BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 5,061,052,000 | 5,250,841,000 | 4,726,758,000 | 4,655,913,000 |
| Total loans | 4,504,017,000 | 4,596,250,000 | 4,015,022,000 | 3,888,540,000 |
| Allowance for loan losses | 53,470,000 | 56,934,000 | 62,940,000 | 63,029,000 |
| Securities available for sale | 1,518,000 | 1,288,000 | 2,784,000 | 2,813,000 |
| Securities held to maturity | 4,966,000 | 4,902,000 | 4,942,000 | 4,756,000 |
| Trading assets | 643,000 | 755,000 | 938,000 | 972,000 |
| Total deposits | 2,679,089,000 | 2,969,182,000 | 2,638,950,000 | 2,481,020,000 |
| Interest-bearing deposits | 1,822,141,000 | 1,768,971,000 | 1,746,038,000 | 1,700,508,000 |
| Noninterest-bearing deposits | 856,949,000 | 1,200,211,000 | 892,912,000 | 780,512,000 |
| Equity capital | 451,298,000 | 484,268,000 | 517,400,000 | 536,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 79,548,000 | 169,533,000 | 262,550,000 | 338,643,000 |
| Interest expense | 19,028,000 | 40,352,000 | 59,415,000 | 75,382,000 |
| Net interest income | 60,520,000 | 129,181,000 | 203,135,000 | 263,261,000 |
| Noninterest income | 89,161,000 | 195,364,000 | 300,801,000 | 378,813,000 |
| Noninterest expense | 101,707,000 | 210,116,000 | 320,010,000 | 416,353,000 |
| Provision for loan losses | 9,078,000 | 22,376,000 | 36,939,000 | 46,810,000 |
| Pretax income | 38,896,000 | 92,053,000 | 146,987,000 | 178,911,000 |
| Income tax | 15,004,000 | 35,664,000 | 57,423,000 | 71,008,000 |
| Net income | 23,892,000 | 56,389,000 | 89,564,000 | 107,903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 440,376,000 | 471,900,000 | 502,186,000 | 520,971,000 |
| Total capital | 522,134,000 | 556,205,000 | 586,136,000 | 605,450,000 |
| Risk-weighted assets | 4,138,903,000 | 4,341,786,000 | 4,306,990,000 | 4,309,424,000 |