Call reports 2004
IRWIN BANK & TRUST CO. — 2004
What IRWIN BANK & TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 643,605,000 | 658,328,000 | 676,109,000 | 675,093,000 |
| Total loans | 423,199,000 | 431,216,000 | 435,183,000 | 439,143,000 |
| Allowance for loan losses | 3,382,000 | 2,693,000 | 2,708,000 | 2,594,000 |
| Securities available for sale | 178,835,000 | 180,148,000 | 198,481,000 | 190,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 490,084,000 | 516,000,000 | 514,090,000 | 526,472,000 |
| Interest-bearing deposits | 412,235,000 | 430,911,000 | 432,003,000 | 438,968,000 |
| Noninterest-bearing deposits | 77,849,000 | 85,089,000 | 82,087,000 | 87,504,000 |
| Equity capital | 60,467,000 | 54,192,000 | 58,465,000 | 58,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,343,000 | 16,745,000 | 25,185,000 | 33,852,000 |
| Interest expense | 2,852,000 | 5,730,000 | 8,701,000 | 11,808,000 |
| Net interest income | 5,491,000 | 11,015,000 | 16,484,000 | 22,044,000 |
| Noninterest income | 1,114,000 | 2,320,000 | 3,542,000 | 4,902,000 |
| Noninterest expense | 3,606,000 | 7,396,000 | 11,093,000 | 14,937,000 |
| Provision for loan losses | 125,000 | 250,000 | 290,000 | 600,000 |
| Pretax income | 3,058,000 | 5,873,000 | 8,828,000 | 8,916,000 |
| Income tax | 679,000 | 1,429,000 | 2,215,000 | 2,828,000 |
| Net income | 2,379,000 | 4,444,000 | 6,613,000 | 6,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,919,000 | 54,728,000 | 56,004,000 | 57,722,000 |
| Total capital | 60,301,000 | 57,421,000 | 58,712,000 | 60,316,000 |
| Risk-weighted assets | 403,314,000 | 413,387,000 | 412,705,000 | 415,200,000 |