Call reports 2002
ACNB BANK — 2002
What ACNB BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 616,232,000 | 646,154,000 | 713,656,000 | 731,698,000 |
| Total loans | 364,264,000 | 370,821,000 | 368,539,000 | 374,850,000 |
| Allowance for loan losses | 3,688,000 | 3,778,000 | 3,652,000 | 3,837,000 |
| Securities available for sale | 175,710,000 | 196,977,000 | 268,497,000 | 282,389,000 |
| Securities held to maturity | 33,501,000 | 32,469,000 | 27,268,000 | 27,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 512,378,000 | 544,214,000 | 560,190,000 | 583,118,000 |
| Interest-bearing deposits | 437,999,000 | 467,963,000 | 484,139,000 | 512,287,000 |
| Noninterest-bearing deposits | 74,379,000 | 76,251,000 | 76,051,000 | 70,831,000 |
| Equity capital | 59,810,000 | 62,485,000 | 68,358,000 | 65,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 9,409,000 | 18,759,000 | 28,250,000 | 37,772,000 |
| Interest expense | 3,317,000 | 6,524,000 | 9,844,000 | 13,453,000 |
| Net interest income | 6,092,000 | 12,235,000 | 18,406,000 | 24,319,000 |
| Noninterest income | 1,002,000 | 2,159,000 | 3,481,000 | 4,798,000 |
| Noninterest expense | 3,721,000 | 7,744,000 | 12,081,000 | 16,623,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 370,000 |
| Pretax income | 3,313,000 | 6,530,000 | 9,626,000 | 12,124,000 |
| Income tax | 1,069,000 | 2,098,000 | 3,074,000 | 3,837,000 |
| Net income | 2,244,000 | 4,432,000 | 6,552,000 | 8,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,382,000 | 60,072,000 | 61,153,000 | 61,387,000 |
| Total capital | 63,070,000 | 63,850,000 | 64,805,000 | 65,224,000 |
| Risk-weighted assets | 335,940,000 | 364,193,000 | 394,711,000 | 421,895,000 |