Call reports 2002
ORRSTOWN BANK — 2002
What ORRSTOWN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 372,421,000 | 380,685,000 | 406,390,000 | 407,574,000 |
| Total loans | 254,464,000 | 263,676,000 | 275,354,000 | 282,091,000 |
| Allowance for loan losses | 3,208,000 | 3,354,000 | 3,496,000 | 3,734,000 |
| Securities available for sale | 69,479,000 | 74,810,000 | 81,139,000 | 87,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,630,000 | 292,519,000 | 310,075,000 | 319,797,000 |
| Interest-bearing deposits | 242,637,000 | 254,567,000 | 265,808,000 | 276,464,000 |
| Noninterest-bearing deposits | 39,993,000 | 37,952,000 | 44,267,000 | 43,333,000 |
| Equity capital | 29,525,000 | 31,760,000 | 33,797,000 | 35,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,585,000 | 11,290,000 | 17,204,000 | 23,092,000 |
| Interest expense | 2,061,000 | 4,094,000 | 6,118,000 | 7,971,000 |
| Net interest income | 3,524,000 | 7,196,000 | 11,086,000 | 15,121,000 |
| Noninterest income | 1,139,000 | 2,502,000 | 3,815,000 | 5,197,000 |
| Noninterest expense | 2,651,000 | 5,367,000 | 8,316,000 | 11,430,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 720,000 |
| Pretax income | 1,862,000 | 4,031,000 | 6,135,000 | 8,185,000 |
| Income tax | 554,000 | 1,216,000 | 1,721,000 | 2,253,000 |
| Net income | 1,308,000 | 2,815,000 | 4,414,000 | 5,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,139,000 | 30,657,000 | 31,983,000 | 33,206,000 |
| Total capital | 32,276,000 | 33,920,000 | 35,386,000 | 36,712,000 |
| Risk-weighted assets | 250,913,000 | 260,962,000 | 272,157,000 | 280,159,000 |