Call reports 2013
ORRSTOWN BANK — 2013
What ORRSTOWN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,196,419,000 | 1,190,866,000 | 1,211,895,000 | 1,177,380,000 |
| Total loans | 681,927,000 | 675,899,000 | 685,290,000 | 672,973,000 |
| Allowance for loan losses | 21,917,000 | 20,098,000 | 21,252,000 | 20,965,000 |
| Securities available for sale | 349,664,000 | 358,413,000 | 384,453,000 | 406,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,045,846,000 | 1,037,030,000 | 1,036,306,000 | 1,001,893,000 |
| Interest-bearing deposits | 928,618,000 | 917,280,000 | 918,002,000 | 885,269,000 |
| Noninterest-bearing deposits | 117,228,000 | 119,750,000 | 118,304,000 | 116,624,000 |
| Equity capital | 86,820,000 | 85,917,000 | 87,683,000 | 89,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,484,000 | 18,472,000 | 27,454,000 | 37,098,000 |
| Interest expense | 1,379,000 | 2,667,000 | 3,884,000 | 5,016,000 |
| Net interest income | 8,105,000 | 15,805,000 | 23,570,000 | 32,082,000 |
| Noninterest income | 4,300,000 | 8,946,000 | 13,375,000 | 17,431,000 |
| Noninterest expense | 10,123,000 | 20,188,000 | 30,462,000 | 41,705,000 |
| Provision for loan losses | 0 | -1,400,000 | -1,400,000 | -3,150,000 |
| Pretax income | 2,404,000 | 6,085,000 | 8,162,000 | 11,290,000 |
| Income tax | 303,000 | 430,000 | 192,000 | 271,000 |
| Net income | 2,101,000 | 5,655,000 | 7,970,000 | 11,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,675,000 | 88,236,000 | 90,853,000 | 93,915,000 |
| Total capital | 94,264,000 | 97,314,000 | 100,067,000 | 102,806,000 |
| Risk-weighted assets | 754,197,000 | 714,798,000 | 724,578,000 | 698,664,000 |