Call reports 2007
ORRSTOWN BANK — 2007
What ORRSTOWN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 678,626,000 | 825,832,000 | 869,123,000 | 882,139,000 |
| Total loans | 551,590,000 | 653,193,000 | 684,430,000 | 701,964,000 |
| Allowance for loan losses | 4,801,000 | 5,593,000 | 5,643,000 | 6,141,000 |
| Securities available for sale | 60,995,000 | 77,466,000 | 95,740,000 | 88,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,954,000 | 654,184,000 | 658,983,000 | 646,474,000 |
| Interest-bearing deposits | 513,343,000 | 625,186,000 | 629,700,000 | 615,145,000 |
| Noninterest-bearing deposits | 25,611,000 | 28,998,000 | 29,283,000 | 31,329,000 |
| Equity capital | 53,972,000 | 89,841,000 | 92,154,000 | 94,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,805,000 | 25,542,000 | 39,180,000 | 53,029,000 |
| Interest expense | 4,728,000 | 11,030,000 | 16,990,000 | 22,930,000 |
| Net interest income | 6,077,000 | 14,512,000 | 22,190,000 | 30,099,000 |
| Noninterest income | 2,587,000 | 5,981,000 | 9,485,000 | 12,897,000 |
| Noninterest expense | 5,059,000 | 11,846,000 | 17,835,000 | 24,259,000 |
| Provision for loan losses | 54,000 | 150,000 | 240,000 | 750,000 |
| Pretax income | 3,561,000 | 8,507,000 | 13,589,000 | 17,976,000 |
| Income tax | 1,083,000 | 2,527,000 | 4,156,000 | 5,427,000 |
| Net income | 2,478,000 | 5,980,000 | 9,433,000 | 12,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,274,000 | 67,814,000 | 69,762,000 | 71,470,000 |
| Total capital | 56,075,000 | 73,407,000 | 75,405,000 | 77,611,000 |
| Risk-weighted assets | 541,548,000 | 627,959,000 | 654,762,000 | 667,467,000 |