Call reports 2005
IRWIN BANK & TRUST CO. — 2005
What IRWIN BANK & TRUST CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 676,999,000 | 680,638,000 | 693,586,000 | 684,603,000 |
| Total loans | 432,187,000 | 431,216,000 | 439,235,000 | 445,788,000 |
| Allowance for loan losses | 2,878,000 | 3,081,000 | 3,345,000 | 3,564,000 |
| Securities available for sale | 190,406,000 | 205,730,000 | 199,403,000 | 195,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,320,000 | 517,458,000 | 520,805,000 | 521,012,000 |
| Interest-bearing deposits | 441,783,000 | 437,021,000 | 436,706,000 | 436,639,000 |
| Noninterest-bearing deposits | 81,537,000 | 80,437,000 | 84,100,000 | 84,373,000 |
| Equity capital | 58,846,000 | 60,515,000 | 61,027,000 | 60,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,801,000 | 17,661,000 | 26,725,000 | 35,970,000 |
| Interest expense | 3,128,000 | 6,407,000 | 9,923,000 | 13,682,000 |
| Net interest income | 5,673,000 | 11,254,000 | 16,802,000 | 22,288,000 |
| Noninterest income | 1,482,000 | 3,166,000 | 4,723,000 | 6,255,000 |
| Noninterest expense | 3,647,000 | 7,662,000 | 11,760,000 | 16,018,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 3,208,000 | 6,158,000 | 8,880,000 | 11,340,000 |
| Income tax | 902,000 | 1,523,000 | 2,189,000 | 2,758,000 |
| Net income | 2,306,000 | 4,635,000 | 6,691,000 | 8,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,884,000 | 59,581,000 | 60,191,000 | 60,684,000 |
| Total capital | 61,762,000 | 62,662,000 | 63,536,000 | 64,248,000 |
| Risk-weighted assets | 406,966,000 | 409,138,000 | 421,061,000 | 426,541,000 |