Call reports 2005
ORRSTOWN BANK — 2005
What ORRSTOWN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 528,211,000 | 570,158,000 | 576,951,000 | 597,169,000 |
| Total loans | 403,402,000 | 424,602,000 | 439,206,000 | 460,386,000 |
| Allowance for loan losses | 4,338,000 | 4,349,000 | 4,364,000 | 4,428,000 |
| Securities available for sale | 76,717,000 | 75,888,000 | 73,014,000 | 66,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,587,000 | 455,293,000 | 454,195,000 | 464,717,000 |
| Interest-bearing deposits | 356,477,000 | 378,065,000 | 379,761,000 | 394,251,000 |
| Noninterest-bearing deposits | 65,110,000 | 77,228,000 | 74,434,000 | 70,466,000 |
| Equity capital | 45,982,000 | 48,351,000 | 50,103,000 | 51,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 7,192,000 | 14,969,000 | 23,353,000 | 32,295,000 |
| Interest expense | 1,962,000 | 4,176,000 | 6,739,000 | 9,544,000 |
| Net interest income | 5,230,000 | 10,793,000 | 16,614,000 | 22,751,000 |
| Noninterest income | 1,909,000 | 4,179,000 | 6,869,000 | 9,035,000 |
| Noninterest expense | 3,918,000 | 7,922,000 | 12,449,000 | 16,857,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 144,000 |
| Pretax income | 3,197,000 | 7,002,000 | 10,971,000 | 14,722,000 |
| Income tax | 939,000 | 2,138,000 | 3,337,000 | 4,501,000 |
| Net income | 2,258,000 | 4,864,000 | 7,634,000 | 10,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,526,000 | 46,501,000 | 47,460,000 | 49,095,000 |
| Total capital | 48,864,000 | 50,850,000 | 51,824,000 | 53,523,000 |
| Risk-weighted assets | 405,877,000 | 425,544,000 | 444,725,000 | 461,737,000 |