Call reports 2014
ORRSTOWN BANK — 2014
What ORRSTOWN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,197,602,000 | 1,166,896,000 | 1,182,983,000 | 1,190,114,000 |
| Total loans | 675,934,000 | 680,963,000 | 684,538,000 | 708,105,000 |
| Allowance for loan losses | 20,497,000 | 20,425,000 | 16,019,000 | 14,747,000 |
| Securities available for sale | 431,717,000 | 389,892,000 | 402,500,000 | 376,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,003,641,000 | 982,571,000 | 989,853,000 | 950,093,000 |
| Interest-bearing deposits | 879,104,000 | 860,654,000 | 863,953,000 | 833,655,000 |
| Noninterest-bearing deposits | 124,537,000 | 121,917,000 | 125,900,000 | 116,438,000 |
| Equity capital | 94,581,000 | 100,959,000 | 105,220,000 | 126,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 9,601,000 | 19,186,000 | 28,663,000 | 38,183,000 |
| Interest expense | 1,085,000 | 2,171,000 | 3,201,000 | 4,161,000 |
| Net interest income | 8,516,000 | 17,015,000 | 25,462,000 | 34,022,000 |
| Noninterest income | 3,841,000 | 8,375,000 | 12,651,000 | 16,849,000 |
| Noninterest expense | 10,629,000 | 21,113,000 | 31,608,000 | 42,432,000 |
| Provision for loan losses | 0 | 0 | -2,900,000 | -3,900,000 |
| Pretax income | 2,325,000 | 5,476,000 | 11,073,000 | 14,274,000 |
| Income tax | 120,000 | 216,000 | 377,000 | -15,659,000 |
| Net income | 2,205,000 | 5,260,000 | 10,696,000 | 29,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,127,000 | 99,177,000 | 104,675,000 | 109,581,000 |
| Total capital | 105,082,000 | 108,102,000 | 113,530,000 | 118,540,000 |
| Risk-weighted assets | 704,373,000 | 701,908,000 | 700,934,000 | 710,434,000 |