President's Message

April 1, 2016

Dear Shareholder:

As we close the chapter on 2015 and start off a new year, we begin by celebrating our 65th year of servicing our great communities. It is hard to imagine that Community State Bank has been around since 1951. They say that time flies when you’re having fun, and in this case it is certainly true. There is nothing we at the bank enjoy more than to see that the financial needs of our communities are met. We have been so blessed over the past 65 years with the amazing people that have walked through our doors.

This past year, like many before it, has been very challenging but also rewarding. I am pleased to say that our net income increased by $117,090 from last year. The stockholders equity increased by over $1,733,000 or 5.51%. We are still a very solid bank, prepared to take on the future, with our loan loss reserve to average loans at 1.21%.

This past year our commitment to our communities was recognized by the Pennsylvania Community Bankers by honoring us with their President’s Award entitled “Grow Your Community”. We were featured in their monthly magazine “Transactions” for our participation in the Orbisonia Rockhill Homecoming where many of our employees, along with their families, provided a fun filled day full of games, entertainment and food, all free to the local youth.

We have continued to increase our list of electronic banking products offered to our customers by adding ACH origination, business on-line banking, along with the ability to rush payments made through on-line bill payments. We have streamlined some of our internal processes in order to improve efficiency and better serve our customers.

I would like to take this opportunity to thank you for your continued support and interest in Orbisonia Community Bancorp, Inc., and its subsidiary, Community State Bank of Orbisonia. It is the dedication of our directors, employees, customers and you, the shareholders, which allows us to remain a community bank.

Sincerely,

Trudy K. Everhart
President/Chief Executive Officer