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IBT profit slips

Pittsburgh Business Times - by Patty Tascarella

IBT Bancorp Inc., the Pittsburgh region's 13th largest financial institution, reported net income for the fourth quarter of 2006 of $1.8 million, or 30 cents per diluted share, a drop from $1.89 million, 32 cents posted during the same three months a year earlier.

Profit for IBT's (AMEX:IRW) 2006 year was also down from 2005, with 2006 net income of $8.45 million, or $1.42 per diluted share, compared to $8.57 million, or $1.44.

"The inverted yield curve and significant increases in health care costs contributed to the decreased in net income for the quarter and for the year," president and CEO Charles Urtin said in a statement. The yield curve makes it difficult to lend profitably, he added, while employee benefit costs rose $700,000 to $2.5 million over the past year.

IBT is the holding company for Irwin Bank & Trust Co., which includes six branches, three supermarket branches, two loan centers and a trust office. It has assets of nearly $741 million, up from $685 million at the end of 2005.


ptascarella@bizjournals.com | (412) 208-3832

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