Call reports 2006
ORRSTOWN BANK — 2006
What ORRSTOWN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 603,178,000 | 622,537,000 | 640,878,000 | 667,206,000 |
| Total loans | 473,679,000 | 497,801,000 | 523,357,000 | 535,814,000 |
| Allowance for loan losses | 4,449,000 | 4,456,000 | 4,484,000 | 4,757,000 |
| Securities available for sale | 64,713,000 | 62,700,000 | 62,203,000 | 60,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,548,000 | 511,052,000 | 520,408,000 | 535,398,000 |
| Interest-bearing deposits | 406,319,000 | 434,352,000 | 444,235,000 | 460,415,000 |
| Noninterest-bearing deposits | 72,229,000 | 76,700,000 | 76,173,000 | 74,983,000 |
| Equity capital | 52,277,000 | 49,412,000 | 51,056,000 | 52,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 9,047,000 | 18,714,000 | 29,170,000 | 39,988,000 |
| Interest expense | 3,207,000 | 6,776,000 | 11,043,000 | 15,650,000 |
| Net interest income | 5,840,000 | 11,938,000 | 18,127,000 | 24,338,000 |
| Noninterest income | 2,266,000 | 4,861,000 | 7,407,000 | 10,085,000 |
| Noninterest expense | 4,349,000 | 8,874,000 | 13,766,000 | 18,621,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 390,000 |
| Pretax income | 3,721,000 | 7,853,000 | 11,660,000 | 15,412,000 |
| Income tax | 1,138,000 | 2,364,000 | 3,565,000 | 4,655,000 |
| Net income | 2,583,000 | 5,489,000 | 8,095,000 | 10,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,149,000 | 47,495,000 | 48,569,000 | 50,001,000 |
| Total capital | 54,598,000 | 51,951,000 | 53,053,000 | 54,758,000 |
| Risk-weighted assets | 470,010,000 | 498,270,000 | 517,328,000 | 525,102,000 |