Call reports 2004
ORRSTOWN BANK — 2004
What ORRSTOWN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 475,693,000 | 489,413,000 | 516,740,000 | 511,220,000 |
| Total loans | 359,865,000 | 373,233,000 | 379,720,000 | 389,967,000 |
| Allowance for loan losses | 4,327,000 | 4,352,000 | 4,339,000 | 4,318,000 |
| Securities available for sale | 74,907,000 | 72,954,000 | 80,203,000 | 76,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,975,000 | 390,274,000 | 399,656,000 | 407,162,000 |
| Interest-bearing deposits | 318,643,000 | 332,964,000 | 339,292,000 | 338,799,000 |
| Noninterest-bearing deposits | 53,332,000 | 57,310,000 | 60,364,000 | 68,363,000 |
| Equity capital | 41,428,000 | 41,836,000 | 43,447,000 | 44,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,106,000 | 12,367,000 | 18,954,000 | 25,808,000 |
| Interest expense | 1,661,000 | 3,349,000 | 5,140,000 | 6,982,000 |
| Net interest income | 4,445,000 | 9,018,000 | 13,814,000 | 18,826,000 |
| Noninterest income | 1,524,000 | 3,191,000 | 4,971,000 | 6,821,000 |
| Noninterest expense | 3,326,000 | 6,933,000 | 10,672,000 | 14,477,000 |
| Provision for loan losses | 150,000 | 180,000 | 210,000 | 210,000 |
| Pretax income | 2,523,000 | 5,126,000 | 7,933,000 | 11,000,000 |
| Income tax | 730,000 | 1,453,000 | 2,311,000 | 3,194,000 |
| Net income | 1,793,000 | 3,673,000 | 5,622,000 | 7,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,904,000 | 41,183,000 | 41,345,000 | 42,948,000 |
| Total capital | 44,231,000 | 45,535,000 | 45,684,000 | 47,266,000 |
| Risk-weighted assets | 346,548,000 | 358,132,000 | 374,155,000 | 382,980,000 |