Call reports 2005
IRWIN UNION BANK AND TRUST COMPANY — 2005
What IRWIN UNION BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 5,186,566,000 | 5,704,055,000 | 6,031,470,000 | 6,179,872,000 |
| Total loans | 4,260,663,000 | 4,829,065,000 | 5,197,804,000 | 5,376,481,000 |
| Allowance for loan losses | 43,024,000 | 48,752,000 | 51,255,000 | 57,107,000 |
| Securities available for sale | 34,449,000 | 33,178,000 | 31,500,000 | 29,663,000 |
| Securities held to maturity | 4,651,000 | 4,505,000 | 4,471,000 | 4,333,000 |
| Trading assets | 5,682,000 | 5,684,000 | 6,163,000 | 6,536,000 |
| Total deposits | 3,370,501,000 | 3,391,159,000 | 3,640,117,000 | 3,449,149,000 |
| Interest-bearing deposits | 2,353,489,000 | 2,378,908,000 | 2,794,527,000 | 2,776,908,000 |
| Noninterest-bearing deposits | 1,017,012,000 | 1,012,251,000 | 845,590,000 | 672,241,000 |
| Equity capital | 583,756,000 | 608,717,000 | 633,504,000 | 632,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 80,566,000 | 170,345,000 | 277,594,000 | 389,529,000 |
| Interest expense | 22,085,000 | 49,005,000 | 86,597,000 | 130,010,000 |
| Net interest income | 58,481,000 | 121,340,000 | 190,997,000 | 259,519,000 |
| Noninterest income | 44,531,000 | 63,712,000 | 90,788,000 | 112,773,000 |
| Noninterest expense | 93,721,000 | 168,990,000 | 241,390,000 | 311,658,000 |
| Provision for loan losses | 2,299,000 | 11,370,000 | 16,554,000 | 25,264,000 |
| Pretax income | 6,992,000 | 4,692,000 | 23,841,000 | 35,370,000 |
| Income tax | 3,140,000 | 1,892,000 | 9,530,000 | 14,172,000 |
| Net income | 3,852,000 | 2,800,000 | 14,311,000 | 21,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 578,349,000 | 594,197,000 | 625,520,000 | 628,688,000 |
| Total capital | 651,373,000 | 672,949,000 | 707,153,000 | 716,228,000 |
| Risk-weighted assets | 4,805,307,000 | 5,251,015,000 | 5,732,199,000 | 5,821,513,000 |