Call reports 2006
IRWIN BANK & TRUST CO. — 2006
What IRWIN BANK & TRUST CO. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 704,581,000 | 716,571,000 | 724,535,000 | 740,504,000 |
| Total loans | 454,715,000 | 463,319,000 | 468,932,000 | 472,489,000 |
| Allowance for loan losses | 3,749,000 | 4,200,000 | 4,532,000 | 4,769,000 |
| Securities available for sale | 198,664,000 | 205,762,000 | 206,198,000 | 220,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 527,233,000 | 535,868,000 | 548,791,000 | 573,487,000 |
| Interest-bearing deposits | 444,120,000 | 451,649,000 | 461,594,000 | 486,918,000 |
| Noninterest-bearing deposits | 83,113,000 | 84,219,000 | 87,197,000 | 86,569,000 |
| Equity capital | 60,494,000 | 58,646,000 | 61,972,000 | 61,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,470,000 | 19,397,000 | 29,811,000 | 40,634,000 |
| Interest expense | 4,011,000 | 8,404,000 | 13,257,000 | 18,514,000 |
| Net interest income | 5,459,000 | 10,993,000 | 16,554,000 | 22,120,000 |
| Noninterest income | 1,537,000 | 3,063,000 | 4,683,000 | 6,298,000 |
| Noninterest expense | 4,006,000 | 8,124,000 | 12,376,000 | 17,008,000 |
| Provision for loan losses | 300,000 | 850,000 | 1,200,000 | 1,500,000 |
| Pretax income | 2,945,000 | 5,605,000 | 8,438,000 | 10,691,000 |
| Income tax | 604,000 | 989,000 | 1,657,000 | 2,035,000 |
| Net income | 2,341,000 | 4,616,000 | 6,781,000 | 8,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,052,000 | 61,700,000 | 62,641,000 | 61,999,000 |
| Total capital | 65,801,000 | 65,900,000 | 67,173,000 | 66,768,000 |
| Risk-weighted assets | 432,334,000 | 443,686,000 | 446,100,000 | 449,661,000 |