Call reports 2016
ORRSTOWN BANK — 2016
What ORRSTOWN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,286,666,000 | 1,310,301,000 | 1,353,400,000 | 1,412,693,000 |
| Total loans | 808,202,000 | 838,560,000 | 851,017,000 | 886,159,000 |
| Allowance for loan losses | 13,347,000 | 13,440,000 | 13,850,000 | 12,775,000 |
| Securities available for sale | 327,517,000 | 324,465,000 | 374,824,000 | 400,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,062,196,000 | 1,101,022,000 | 1,145,008,000 | 1,162,747,000 |
| Interest-bearing deposits | 915,798,000 | 953,215,000 | 996,380,000 | 1,011,849,000 |
| Noninterest-bearing deposits | 146,398,000 | 147,807,000 | 148,628,000 | 150,898,000 |
| Equity capital | 122,552,000 | 126,742,000 | 125,511,000 | 121,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,961,000 | 20,233,000 | 30,887,000 | 41,962,000 |
| Interest expense | 1,321,000 | 2,652,000 | 4,082,000 | 5,455,000 |
| Net interest income | 8,640,000 | 17,581,000 | 26,805,000 | 36,507,000 |
| Noninterest income | 4,237,000 | 8,754,000 | 13,305,000 | 18,210,000 |
| Noninterest expense | 10,680,000 | 21,777,000 | 33,199,000 | 45,251,000 |
| Provision for loan losses | 0 | 0 | 250,000 | 250,000 |
| Pretax income | 3,617,000 | 5,978,000 | 8,081,000 | 10,636,000 |
| Income tax | 762,000 | 1,170,000 | 1,467,000 | 1,862,000 |
| Net income | 2,855,000 | 4,808,000 | 6,614,000 | 8,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,673,000 | 112,182,000 | 112,610,000 | 114,417,000 |
| Total capital | 121,703,000 | 123,567,000 | 124,299,000 | 126,408,000 |
| Risk-weighted assets | 876,658,000 | 905,153,000 | 929,021,000 | 954,533,000 |