Call reports 2007
IRWIN BANK & TRUST CO. — 2007
What IRWIN BANK & TRUST CO. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 741,038,000 | 756,039,000 | 773,381,000 | 786,774,000 |
| Total loans | 471,018,000 | 481,484,000 | 486,071,000 | 482,701,000 |
| Allowance for loan losses | 4,994,000 | 5,163,000 | 5,356,000 | 5,382,000 |
| Securities available for sale | 224,664,000 | 225,237,000 | 238,459,000 | 251,333,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 573,064,000 | 575,615,000 | 580,893,000 | 610,894,000 |
| Interest-bearing deposits | 486,766,000 | 487,761,000 | 496,236,000 | 526,649,000 |
| Noninterest-bearing deposits | 86,298,000 | 87,854,000 | 84,657,000 | 84,245,000 |
| Equity capital | 61,702,000 | 59,630,000 | 62,064,000 | 65,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,675,000 | 21,720,000 | 33,050,000 | 44,702,000 |
| Interest expense | 5,234,000 | 10,606,000 | 16,294,000 | 22,161,000 |
| Net interest income | 5,441,000 | 11,114,000 | 16,756,000 | 22,541,000 |
| Noninterest income | 1,570,000 | 3,204,000 | 4,869,000 | 6,550,000 |
| Noninterest expense | 4,280,000 | 8,493,000 | 12,931,000 | 17,546,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 900,000 |
| Pretax income | 2,480,000 | 5,284,000 | 7,903,000 | 10,608,000 |
| Income tax | 521,000 | 1,208,000 | 1,796,000 | 2,313,000 |
| Net income | 1,959,000 | 4,076,000 | 6,107,000 | 8,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,458,000 | 63,100,000 | 63,631,000 | 64,447,000 |
| Total capital | 67,452,000 | 68,263,000 | 68,987,000 | 69,829,000 |
| Risk-weighted assets | 455,438,000 | 471,171,000 | 476,726,000 | 473,700,000 |