Call reports 2010
ORRSTOWN BANK — 2010
What ORRSTOWN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,313,792,000 | 1,338,384,000 | 1,457,373,000 | 1,491,880,000 |
| Total loans | 898,276,000 | 898,128,000 | 921,807,000 | 966,986,000 |
| Allowance for loan losses | 12,020,000 | 14,582,000 | 15,386,000 | 16,020,000 |
| Securities available for sale | 251,477,000 | 307,302,000 | 409,370,000 | 412,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,018,393,000 | 1,090,997,000 | 1,141,039,000 | 1,190,731,000 |
| Interest-bearing deposits | 903,007,000 | 987,074,000 | 1,033,667,000 | 1,083,981,000 |
| Noninterest-bearing deposits | 115,386,000 | 103,923,000 | 107,371,000 | 106,751,000 |
| Equity capital | 129,634,000 | 135,466,000 | 141,395,000 | 137,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 13,764,000 | 28,257,000 | 42,965,000 | 58,215,000 |
| Interest expense | 3,281,000 | 6,519,000 | 9,633,000 | 12,685,000 |
| Net interest income | 10,483,000 | 21,738,000 | 33,332,000 | 45,530,000 |
| Noninterest income | 3,968,000 | 9,737,000 | 14,554,000 | 19,283,000 |
| Noninterest expense | 8,465,000 | 16,877,000 | 25,816,000 | 35,736,000 |
| Provision for loan losses | 1,420,000 | 6,420,000 | 7,550,000 | 8,925,000 |
| Pretax income | 4,960,000 | 10,351,000 | 17,753,000 | 23,779,000 |
| Income tax | 1,358,000 | 2,727,000 | 4,996,000 | 6,605,000 |
| Net income | 3,602,000 | 7,624,000 | 12,757,000 | 17,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,172,000 | 108,636,000 | 114,437,000 | 117,027,000 |
| Total capital | 117,510,000 | 120,285,000 | 126,598,000 | 129,844,000 |
| Risk-weighted assets | 906,365,000 | 928,947,000 | 969,655,000 | 1,022,597,000 |