Call reports 2012
ORRSTOWN BANK — 2012
What ORRSTOWN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,443,904,000 | 1,327,699,000 | 1,269,171,000 | 1,232,412,000 |
| Total loans | 903,015,000 | 842,806,000 | 811,787,000 | 711,607,000 |
| Allowance for loan losses | 28,156,000 | 36,235,000 | 36,700,000 | 23,166,000 |
| Securities available for sale | 309,086,000 | 282,757,000 | 291,580,000 | 301,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,213,882,000 | 1,146,584,000 | 1,123,016,000 | 1,087,296,000 |
| Interest-bearing deposits | 1,095,855,000 | 1,026,465,000 | 1,009,515,000 | 965,945,000 |
| Noninterest-bearing deposits | 118,027,000 | 120,119,000 | 113,501,000 | 121,351,000 |
| Equity capital | 116,359,000 | 104,713,000 | 84,742,000 | 85,222,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 13,076,000 | 24,694,000 | 35,424,000 | 45,411,000 |
| Interest expense | 2,248,000 | 4,332,000 | 6,034,000 | 7,552,000 |
| Net interest income | 10,828,000 | 20,362,000 | 29,390,000 | 37,859,000 |
| Noninterest income | 3,953,000 | 8,379,000 | 13,236,000 | 18,398,000 |
| Noninterest expense | 10,513,000 | 21,042,000 | 31,909,000 | 42,168,000 |
| Provision for loan losses | 19,200,000 | 42,200,000 | 47,300,000 | 48,300,000 |
| Pretax income | -12,713,000 | -29,576,000 | -31,658,000 | -29,286,000 |
| Income tax | -4,832,000 | -11,854,000 | 7,075,000 | 8,201,000 |
| Net income | -7,881,000 | -17,722,000 | -38,733,000 | -37,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,714,000 | 91,840,000 | 81,272,000 | 82,540,000 |
| Total capital | 113,417,000 | 103,515,000 | 92,452,000 | 92,466,000 |
| Risk-weighted assets | 999,939,000 | 908,560,000 | 867,960,000 | 780,229,000 |