Call reports 2008
IRWIN UNION BANK AND TRUST COMPANY — 2008
What IRWIN UNION BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 5,425,343,000 | 5,285,370,000 | 4,565,915,000 | 4,291,256,000 |
| Total loans | 5,014,386,000 | 4,895,540,000 | 4,003,692,000 | 3,837,826,000 |
| Allowance for loan losses | 150,078,000 | 205,098,000 | 119,143,000 | 120,472,000 |
| Securities available for sale | 45,725,000 | 36,884,000 | 35,487,000 | 31,300,000 |
| Securities held to maturity | 17,470,000 | 18,037,000 | 18,560,000 | 17,128,000 |
| Trading assets | 10,974,000 | 9,476,000 | 9,008,000 | 9,180,000 |
| Total deposits | 2,874,396,000 | 2,955,821,000 | 2,666,483,000 | 2,472,519,000 |
| Interest-bearing deposits | 2,637,848,000 | 2,726,282,000 | 2,436,381,000 | 2,231,432,000 |
| Noninterest-bearing deposits | 236,548,000 | 229,539,000 | 230,102,000 | 241,087,000 |
| Equity capital | 564,280,000 | 491,071,000 | 393,546,000 | 287,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 108,727,000 | 209,935,000 | 299,431,000 | 377,216,000 |
| Interest expense | 48,223,000 | 92,184,000 | 137,687,000 | 184,337,000 |
| Net interest income | 60,504,000 | 117,751,000 | 161,744,000 | 192,879,000 |
| Noninterest income | 8,598,000 | 20,809,000 | 17,710,000 | 9,985,000 |
| Noninterest expense | 43,567,000 | 81,692,000 | 135,482,000 | 173,059,000 |
| Provision for loan losses | 42,920,000 | 190,769,000 | 299,192,000 | 333,397,000 |
| Pretax income | -30,542,000 | -153,896,000 | -277,505,000 | -326,674,000 |
| Income tax | -12,740,000 | -62,800,000 | -91,565,000 | -39,920,000 |
| Net income | -17,802,000 | -91,096,000 | -185,940,000 | -286,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 565,327,000 | 475,911,000 | 354,388,000 | 286,274,000 |
| Total capital | 663,768,000 | 572,840,000 | 439,538,000 | 368,833,000 |
| Risk-weighted assets | 5,393,088,000 | 5,196,834,000 | 4,333,213,000 | 4,129,072,000 |