Call reports 2001
IRWIN BANK & TRUST CO. — 2001
What IRWIN BANK & TRUST CO. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 506,064,000 | 517,486,000 | 528,971,000 | 522,827,000 |
| Total loans | 299,739,000 | 298,666,000 | 306,878,000 | 317,244,000 |
| Allowance for loan losses | 1,970,000 | 1,956,000 | 1,927,000 | 2,113,000 |
| Securities available for sale | 165,780,000 | 160,575,000 | 178,803,000 | 160,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,066,000 | 422,610,000 | 428,875,000 | 422,707,000 |
| Interest-bearing deposits | 347,570,000 | 356,384,000 | 363,604,000 | 352,340,000 |
| Noninterest-bearing deposits | 64,496,000 | 66,226,000 | 65,271,000 | 70,367,000 |
| Equity capital | 46,419,000 | 47,131,000 | 49,214,000 | 48,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 8,900,000 | 17,813,000 | 26,711,000 | 35,441,000 |
| Interest expense | 4,471,000 | 8,897,000 | 13,134,000 | 16,958,000 |
| Net interest income | 4,429,000 | 8,916,000 | 13,577,000 | 18,483,000 |
| Noninterest income | 681,000 | 1,498,000 | 2,317,000 | 3,241,000 |
| Noninterest expense | 2,545,000 | 5,282,000 | 8,052,000 | 11,152,000 |
| Provision for loan losses | 75,000 | 175,000 | 265,000 | 500,000 |
| Pretax income | 2,558,000 | 5,186,000 | 7,878,000 | 10,376,000 |
| Income tax | 759,000 | 1,485,000 | 2,293,000 | 2,986,000 |
| Net income | 1,799,000 | 3,701,000 | 5,585,000 | 7,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,623,000 | 45,724,000 | 46,571,000 | 47,301,000 |
| Total capital | 46,602,000 | 47,680,000 | 48,498,000 | 49,414,000 |
| Risk-weighted assets | 288,310,000 | 289,160,000 | 297,530,000 | 313,321,000 |