Call reports 2002
IRWIN BANK & TRUST CO. — 2002
What IRWIN BANK & TRUST CO. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 538,648,000 | 559,533,000 | 574,182,000 | 583,177,000 |
| Total loans | 319,792,000 | 334,763,000 | 357,549,000 | 362,745,000 |
| Allowance for loan losses | 2,367,000 | 2,276,000 | 2,583,000 | 2,873,000 |
| Securities available for sale | 169,296,000 | 164,544,000 | 165,783,000 | 182,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 431,578,000 | 450,424,000 | 453,583,000 | 468,659,000 |
| Interest-bearing deposits | 358,666,000 | 374,702,000 | 380,080,000 | 393,918,000 |
| Noninterest-bearing deposits | 72,912,000 | 75,722,000 | 73,503,000 | 74,741,000 |
| Equity capital | 49,043,000 | 52,171,000 | 54,518,000 | 54,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 8,363,000 | 16,775,000 | 25,346,000 | 33,857,000 |
| Interest expense | 3,207,000 | 6,368,000 | 9,603,000 | 12,829,000 |
| Net interest income | 5,156,000 | 10,407,000 | 15,743,000 | 21,028,000 |
| Noninterest income | 1,091,000 | 2,177,000 | 3,376,000 | 4,687,000 |
| Noninterest expense | 2,835,000 | 6,037,000 | 9,194,000 | 12,726,000 |
| Provision for loan losses | 250,000 | 500,000 | 800,000 | 1,100,000 |
| Pretax income | 3,207,000 | 6,152,000 | 9,257,000 | 12,021,000 |
| Income tax | 805,000 | 1,585,000 | 2,419,000 | 3,180,000 |
| Net income | 2,402,000 | 4,567,000 | 6,838,000 | 8,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,485,000 | 49,585,000 | 50,894,000 | 51,528,000 |
| Total capital | 50,852,000 | 51,861,000 | 53,477,000 | 54,401,000 |
| Risk-weighted assets | 323,784,000 | 337,496,000 | 348,564,000 | 356,882,000 |