Call reports 2001
ACNB BANK — 2001
What ACNB BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 569,088,000 | 565,541,000 | 580,577,000 | 627,541,000 |
| Total loans | 358,879,000 | 359,916,000 | 359,659,000 | 362,579,000 |
| Allowance for loan losses | 3,712,000 | 3,757,000 | 3,778,000 | 3,723,000 |
| Securities available for sale | 103,911,000 | 92,541,000 | 107,913,000 | 175,017,000 |
| Securities held to maturity | 58,608,000 | 47,445,000 | 45,485,000 | 44,824,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 457,849,000 | 475,536,000 | 477,292,000 | 509,608,000 |
| Interest-bearing deposits | 393,692,000 | 407,921,000 | 410,234,000 | 438,648,000 |
| Noninterest-bearing deposits | 64,157,000 | 67,615,000 | 67,058,000 | 70,960,000 |
| Equity capital | 60,005,000 | 60,190,000 | 62,272,000 | 61,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 10,133,000 | 19,963,000 | 29,598,000 | 39,161,000 |
| Interest expense | 4,517,000 | 8,621,000 | 12,462,000 | 16,059,000 |
| Net interest income | 5,616,000 | 11,342,000 | 17,136,000 | 23,102,000 |
| Noninterest income | 718,000 | 1,500,000 | 2,306,000 | 3,298,000 |
| Noninterest expense | 3,233,000 | 6,805,000 | 10,183,000 | 13,975,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 3,041,000 | 5,917,000 | 9,079,000 | 12,185,000 |
| Income tax | 1,039,000 | 1,978,000 | 3,032,000 | 3,965,000 |
| Net income | 2,002,000 | 3,939,000 | 6,047,000 | 8,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,727,000 | 59,576,000 | 60,097,000 | 60,074,000 |
| Total capital | 62,439,000 | 63,333,000 | 63,875,000 | 63,797,000 |
| Risk-weighted assets | 321,143,000 | 316,743,000 | 322,066,000 | 334,801,000 |