Call reports 2004
IRWIN UNION BANK AND TRUST COMPANY — 2004
What IRWIN UNION BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 4,791,706,000 | 5,074,280,000 | 4,987,516,000 | 4,870,451,000 |
| Total loans | 4,058,504,000 | 4,237,398,000 | 4,115,981,000 | 4,051,936,000 |
| Allowance for loan losses | 62,371,000 | 52,475,000 | 46,378,000 | 42,973,000 |
| Securities available for sale | 2,066,000 | 10,584,000 | 10,883,000 | 36,087,000 |
| Securities held to maturity | 5,173,000 | 5,101,000 | 4,985,000 | 4,780,000 |
| Trading assets | 1,080,000 | 1,171,000 | 2,384,000 | 4,560,000 |
| Total deposits | 2,839,820,000 | 3,111,695,000 | 3,175,990,000 | 3,064,287,000 |
| Interest-bearing deposits | 1,812,216,000 | 2,140,721,000 | 2,251,025,000 | 2,140,467,000 |
| Noninterest-bearing deposits | 1,027,604,000 | 970,974,000 | 924,965,000 | 923,820,000 |
| Equity capital | 553,915,000 | 576,327,000 | 576,801,000 | 591,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 73,148,000 | 151,560,000 | 234,153,000 | 315,755,000 |
| Interest expense | 15,508,000 | 31,071,000 | 49,759,000 | 70,407,000 |
| Net interest income | 57,640,000 | 120,489,000 | 184,394,000 | 245,348,000 |
| Noninterest income | 77,414,000 | 143,957,000 | 208,721,000 | 259,337,000 |
| Noninterest expense | 94,692,000 | 196,994,000 | 295,419,000 | 388,300,000 |
| Provision for loan losses | 8,028,000 | 9,748,000 | 11,586,000 | 13,849,000 |
| Pretax income | 32,334,000 | 57,704,000 | 86,110,000 | 102,536,000 |
| Income tax | 14,323,000 | 24,628,000 | 36,284,000 | 43,916,000 |
| Net income | 18,011,000 | 33,076,000 | 49,826,000 | 58,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 538,700,000 | 576,949,000 | 560,884,000 | 572,748,000 |
| Total capital | 624,169,000 | 659,424,000 | 637,262,000 | 645,721,000 |
| Risk-weighted assets | 4,370,322,000 | 4,613,372,000 | 4,641,145,000 | 4,420,449,000 |