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Income Statement
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Balance Sheet
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Income Overview
Net Income
$21,158K
EPS
$1.09
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans
63,315
62,995
63,679*
65,751
Investment securities - taxable
9,906
9,851
9,509*
9,367
Investment securities - tax-exempt
842
881
877*
881
Short-term investments
639
637
2,552*
1,123
Total interest income
74,702
74,364
76,616*
77,122
Deposits
21,687
21,986
24,098*
22,639
Securities sold under agreements to repurchase and federal funds purchased
29
97
83*
107
Fhlb advances and other borrowings
1,635
2,355
2,079*
1,791
Subordinated notes and trust preferred debt
2,520
921
502*
1,597
Total interest expense
25,871
25,359
26,760*
26,134
Net interest income
48,831
49,005
49,856*
50,988
Provision for credit losses - loans
-
-
-
396
Provision for (recovery of) credit losses - loans
338
728
32*
-
Recovery of credit gaines - unfunded loan commitments
0
-376
50*
0
Net interest income after net provision for (recovery of) credit losses
48,493
48,653
49,774*
50,592
Service charges on deposit accounts
2,071
2,250
2,006*
2,014
Interchange income
1,602
1,513
1,450*
1,620
Other service charges, commissions and fees
663
621
801*
983
Swap fee income
651
1,339
764*
816
Trust and investment management income
4,072
3,744
4,164*
3,636
Brokerage income
1,874
1,813
1,719*
1,641
Mortgage banking activities
436
326
305*
522
Income from life insurance
1,376
3,761
1,229*
1,471
Investment securities gains
57
-2
79*
50
Other income
1,034
212
353*
629
Total noninterest income
13,836
15,577
12,868*
13,382
Salaries and employee benefits
22,229
21,157
20,967*
21,439
Occupancy
1,883
2,081
2,107*
1,907
Furniture and equipment
2,004
2,140
2,442*
2,168
Data processing
1,703
1,537
1,176*
1,116
Automated teller and interchange fees
1,167
1,139
934*
892
Advertising and bank promotions
1,126
683
445*
154
Fdic insurance
634
549
844*
652
Professional services
1,202
1,221
1,914*
1,703
Directors' compensation
389
414
258*
350
Taxes other than income
392
1,025
955*
828
Intangible asset amortization
2,179
2,239
2,442*
2,410
Merger-related expenses
0
0
1,165*
0
Provision for legal settlement
-
-
0*
-
Restructuring expenses
0
0
91*
0
Other operating expenses
2,758
2,543
2,839*
2,678
Total noninterest expenses
37,666
36,728
38,576*
36,297
Income before income tax expense
24,663
27,502
24,066*
27,677
Income tax expense
3,505
5,693
5,180*
5,812
Net income
21,158
21,809
18,886
21,865
Basic EPS
1.1
1.13
0.983
1.14
Diluted EPS
1.09
1.12
0.976
1.13
Basic Average Shares
19,313,000
19,274,000
19,206,000
19,224,000
Diluted Average Shares
19,432,000
19,410,000
19,359,000
19,364,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Loans
$63,315K
(0.44%↑ Y/Y)
Investment securities -
taxable
$9,906K
(5.32%↑ Y/Y)
Investment securities -
tax-exempt
$842K
(-4.10%↓ Y/Y)
Short-term investments
$639K
(-57.77%↓ Y/Y)
Total interest income
$74,702K
(-0.18%↓ Y/Y)
Net interest income
$48,831K
(-1.38%↓ Y/Y)
Trust and investment
management income
$4,072K
(14.00%↑ Y/Y)
Service charges on
deposit accounts
$2,071K
(1.02%↑ Y/Y)
Brokerage income
$1,874K
(10.56%↑ Y/Y)
Interchange income
$1,602K
(11.17%↑ Y/Y)
Income from life
insurance
$1,376K
(4.96%↑ Y/Y)
Other income
$1,034K
(-6.93%↓ Y/Y)
Other service
charges, commissions and...
$663K
(14.31%↑ Y/Y)
Swap fee income
$651K
(-2.69%↓ Y/Y)
Mortgage banking
activities
$436K
(-8.79%↓ Y/Y)
Investment securities
gains
$57K
(612.50%↑ Y/Y)
Total interest
expense
$25,871K
(2.17%↑ Y/Y)
Net interest income
after net provision...
$48,493K
(-1.84%↓ Y/Y)
Total noninterest
income
$13,836K
(7.13%↑ Y/Y)
Provision for (recovery
of) credit losses -...
$338K
(61.72%↑ Y/Y)
Deposits
$21,687K
(-5.11%↓ Y/Y)
Subordinated notes and trust
preferred debt
$2,520K
(89.47%↑ Y/Y)
Fhlb advances and
other borrowings
$1,635K
(58.74%↑ Y/Y)
Securities sold under
agreements to repurchase...
$29K
(-72.64%↓ Y/Y)
Income before income
tax expense
$24,663K
(-0.17%↓ Y/Y)
Total noninterest
expenses
$37,666K
(0.14%↑ Y/Y)
Net income
$21,158K
(8.79%↑ Y/Y)
Income tax expense
$3,505K
(-33.31%↓ Y/Y)
Salaries and employee
benefits
$22,229K
(4.05%↑ Y/Y)
Other operating
expenses
$2,758K
(3.53%↑ Y/Y)
Intangible asset
amortization
$2,179K
(-11.85%↓ Y/Y)
Furniture and equipment
$2,004K
(-21.10%↓ Y/Y)
Occupancy
$1,883K
(12.69%↑ Y/Y)
Data processing
$1,703K
(76.48%↑ Y/Y)
Professional services
$1,202K
(-40.38%↓ Y/Y)
Automated teller and
interchange fees
$1,167K
(89.76%↑ Y/Y)
Advertising and bank
promotions
$1,126K
(4.55%↑ Y/Y)
Fdic insurance
$634K
(-5.93%↓ Y/Y)
Taxes other than
income
$392K
(32.88%↑ Y/Y)
Directors' compensation
$389K
(32.76%↑ Y/Y)
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ORRSTOWN FINANCIAL SERVICES INC (ORRF)
ORRSTOWN FINANCIAL SERVICES INC (ORRF)