Call reports 2006
IRWIN UNION BANK AND TRUST COMPANY — 2006
What IRWIN UNION BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 6,318,156,000 | 6,020,353,000 | 5,563,186,000 | 5,805,823,000 |
| Total loans | 4,737,954,000 | 4,607,224,000 | 4,823,154,000 | 5,003,430,000 |
| Allowance for loan losses | 61,063,000 | 63,863,000 | 67,305,000 | 70,942,000 |
| Securities available for sale | 29,240,000 | 38,639,000 | 47,571,000 | 46,862,000 |
| Securities held to maturity | 4,289,000 | 17,439,000 | 17,719,000 | 17,926,000 |
| Trading assets | 6,496,000 | 9,916,000 | 10,344,000 | 10,320,000 |
| Total deposits | 3,600,417,000 | 3,412,938,000 | 3,354,983,000 | 3,112,009,000 |
| Interest-bearing deposits | 2,897,181,000 | 2,696,149,000 | 2,721,030,000 | 2,496,558,000 |
| Noninterest-bearing deposits | 703,235,000 | 716,789,000 | 633,953,000 | 615,451,000 |
| Equity capital | 638,039,000 | 644,522,000 | 647,855,000 | 638,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 101,867,000 | 208,775,000 | 323,160,000 | 441,912,000 |
| Interest expense | 42,333,000 | 89,141,000 | 138,590,000 | 193,314,000 |
| Net interest income | 59,534,000 | 119,634,000 | 184,570,000 | 248,598,000 |
| Noninterest income | 12,244,000 | 19,370,000 | 27,736,000 | 41,530,000 |
| Noninterest expense | 45,329,000 | 88,237,000 | 133,112,000 | 181,365,000 |
| Provision for loan losses | 8,966,000 | 15,579,000 | 24,439,000 | 34,182,000 |
| Pretax income | 17,483,000 | 35,188,000 | 54,755,000 | 74,581,000 |
| Income tax | 6,956,000 | 13,865,000 | 20,576,000 | 27,536,000 |
| Net income | 192,000 | 5,802,000 | 4,093,000 | 11,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 634,696,000 | 641,518,000 | 645,602,000 | 636,506,000 |
| Total capital | 726,704,000 | 736,303,000 | 744,010,000 | 738,206,000 |
| Risk-weighted assets | 6,050,218,000 | 5,764,800,000 | 5,609,772,000 | 6,824,316,000 |
Machine access — free, no API key
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