Call reports 2007
IRWIN UNION BANK AND TRUST COMPANY — 2007
What IRWIN UNION BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 5,431,259,000 | 5,504,732,000 | 5,586,109,000 | 5,528,616,000 |
| Total loans | 4,905,739,000 | 4,970,006,000 | 5,116,219,000 | 5,122,691,000 |
| Allowance for loan losses | 81,016,000 | 88,209,000 | 100,349,000 | 137,471,000 |
| Securities available for sale | 53,153,000 | 62,150,000 | 61,303,000 | 59,432,000 |
| Securities held to maturity | 17,901,000 | 17,295,000 | 17,586,000 | 17,989,000 |
| Trading assets | 9,619,000 | 10,414,000 | 11,005,000 | 12,047,000 |
| Total deposits | 3,011,443,000 | 2,812,937,000 | 2,911,537,000 | 2,792,149,000 |
| Interest-bearing deposits | 2,748,309,000 | 2,540,886,000 | 2,628,631,000 | 2,566,084,000 |
| Noninterest-bearing deposits | 263,134,000 | 272,051,000 | 282,906,000 | 226,065,000 |
| Equity capital | 633,152,000 | 622,785,000 | 608,951,000 | 584,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 115,672,000 | 232,760,000 | 350,336,000 | 465,391,000 |
| Interest expense | 53,570,000 | 108,102,000 | 163,730,000 | 217,479,000 |
| Net interest income | 62,102,000 | 124,658,000 | 186,606,000 | 247,912,000 |
| Noninterest income | -1,606,000 | 7,441,000 | 13,006,000 | 23,762,000 |
| Noninterest expense | 44,166,000 | 84,202,000 | 123,170,000 | 170,949,000 |
| Provision for loan losses | 22,842,000 | 41,946,000 | 70,199,000 | 129,932,000 |
| Pretax income | -6,512,000 | 5,951,000 | 6,243,000 | -29,207,000 |
| Income tax | -2,915,000 | 1,734,000 | 1,113,000 | -15,230,000 |
| Net income | -7,632,000 | -5,678,000 | -21,992,000 | -44,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 629,730,000 | 619,919,000 | 607,105,000 | 584,393,000 |
| Total capital | 729,307,000 | 719,303,000 | 707,528,000 | 683,998,000 |
| Risk-weighted assets | 5,508,631,000 | 5,531,389,000 | 5,572,556,000 | 5,500,092,000 |