Call reports 2003
IRWIN BANK & TRUST CO. — 2003
What IRWIN BANK & TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 598,656,000 | 607,500,000 | 615,805,000 | 628,699,000 |
| Total loans | 375,430,000 | 387,609,000 | 413,464,000 | 419,571,000 |
| Allowance for loan losses | 2,964,000 | 3,075,000 | 3,129,000 | 3,285,000 |
| Securities available for sale | 182,921,000 | 164,304,000 | 157,980,000 | 167,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,584,000 | 478,131,000 | 476,648,000 | 492,218,000 |
| Interest-bearing deposits | 389,666,000 | 396,711,000 | 392,088,000 | 411,104,000 |
| Noninterest-bearing deposits | 78,918,000 | 81,420,000 | 84,560,000 | 81,114,000 |
| Equity capital | 56,084,000 | 57,710,000 | 57,833,000 | 58,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 8,573,000 | 16,974,000 | 25,397,000 | 33,616,000 |
| Interest expense | 2,974,000 | 5,800,000 | 8,537,000 | 11,313,000 |
| Net interest income | 5,599,000 | 11,174,000 | 16,860,000 | 22,303,000 |
| Noninterest income | 1,090,000 | 2,626,000 | 3,869,000 | 4,973,000 |
| Noninterest expense | 3,168,000 | 6,836,000 | 10,402,000 | 14,070,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 3,584,000 | 6,889,000 | 10,168,000 | 12,920,000 |
| Income tax | 934,000 | 1,784,000 | 2,717,000 | 3,427,000 |
| Net income | 2,650,000 | 5,105,000 | 7,451,000 | 9,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,144,000 | 52,935,000 | 55,749,000 | 56,581,000 |
| Total capital | 56,108,000 | 56,010,000 | 58,878,000 | 59,866,000 |
| Risk-weighted assets | 372,745,000 | 378,617,000 | 391,244,000 | 396,408,000 |