SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
FORM 10-K
(Mark One)
_x_ Annual report pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934 (Fee Required)
For the fiscal year ended December 31, 1996 or
__ Transition report pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934 (No Fee Required)
For the transition period from _______ to ________
Commission file number 0-6835
IRWIN FINANCIAL CORPORATION
(Exact Name of Registrant as Specified in its Charter)
Indiana 35-1286807
(State or Other Jurisdiction of (I.R.S. Employer
Incorporation or Organization Identification No.)
Organization)
500 Washington Street
Columbus, Indiana 47201
(Address of Principal Executive Offices) (Zip Code)
(812) 376-1020
(Registrant's Telephone Number, Including Area Code)
Securities registered pursuant to Section 12(b) of the Act:
None
Securities registered pursuant to Section 12(g) of the Act:
Common Shares
(Title of Class)
Indicate by check mark whether the registrant: (1) has filed
all reports required to be filed by Section 13 or 15(d) of
the Securities Exchange Act of 1934 during the preceding 12
months (or for such shorter period that the registrant was
required to file such reports), and (2) has been subject to
such filing requirements for the past 90 days. Yes x No
_____
Indicate by check mark if disclosure of delinquent filers
pursuant to Item 405 of Regulation S-K is not contained
herein, and will not be contained, to the best of
registrant's knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this
Form 10-K or any amendment to this Form 10-K. __
The aggregate market value of the voting stock held by non-
affiliates of the Registrant was $150,757,321.75 as of March
11, 1997. As of March 11, 1997, there were outstanding
11,329,062 common shares of the Registrant.
DOCUMENTS INCORPORATED BY REFERENCE
Selected Portions of Part of Form 10-K Into Which
the Following Documents Incorporated
Annual Report to Shareholders Part I, Part II
for the year ended December 31, 1996
Definitive Proxy Statement for Part III
Annual Meeting of Shareholders
to be held April 29, 1997
Exhibit Index on Pages 44 through 47 Page 1
Total Pages in This Filing: 209
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the
Securities Exchange Act of 1934, the Registrant has duly
caused this report to be signed on its behalf by the
Undersigned, thereunto duly authorized.
IRWIN FINANCIAL CORPORATION
Date: March 27, 1997 By: /s/ William I. Miller
------------------------------
William I. Miller,
Chairman of the Board
Pursuant to the requirements of the Securities Exchange Act
of 1934, this report on Form 10-K has been signed below by
the following persons on behalf of the Registrant and in the
capacities on the dates indicated.
Capacity with
Signature Registrant Date
/s/ Sally A. Dean Director March 27, 1997
- -------------------
Sally A. Dean
/s/ David W. Goodrich Director March 27, 1997
- -----------------------
David W. Goodrich
/s/ John T. Hackett Director March 27, 1997
- ---------------------
John T. Hackett
/s/ William H. Kling Director March 27, 1997
- ---------------------
William H. Kling
/s/ Brenda J. Lauderback Director March 27, 1997
- -----------------------
Brenda J. Lauderback
/s/ John C. McGinty, Jr. Director March 27, 1997
- -----------------------
John C. McGinty, Jr.
/s/ Irwin Miller Director March 27, 1997
- -----------------------
Irwin Miller
/s/ William I. Miller Director, Chairman March 27, 1997
- --------------------- of the Board
William I. Miller (Principal
Executive Officer)
/s/ John A. Nash Director, Chairman March 27, 1997
- ----------------- of the Executive
John A. Nash Committee
/s/ Lance R. Odden Director March 27, 1997
- -----------------------
Lance R. Odden
/s/ James T. Sakai Director March 27, 1997
- -----------------------
James T. Sakai
/s/ Theodore M. Solso Director March 27, 1997
- -----------------------
Theodore M. Solso
/s/ Thomas D. Washburn Senior Vice March 27, 1997
- ---------------------- President
Thomas D. Wasburn (Principal
Financial Officer)
/s/ Marie C. Strack Vice President March 27, 1997
- ----------------------- and Controller
Marie C. Strack (Principal
Accounting
Officer)
