Call reports 2003
ACNB BANK — 2003
What ACNB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 788,935,000 | 833,673,000 | 865,521,000 | 868,550,000 |
| Total loans | 380,728,000 | 386,071,000 | 400,795,000 | 415,116,000 |
| Allowance for loan losses | 3,849,000 | 3,874,000 | 3,928,000 | 3,978,000 |
| Securities available for sale | 323,037,000 | 337,092,000 | 361,445,000 | 345,568,000 |
| Securities held to maturity | 26,964,000 | 51,736,000 | 46,123,000 | 42,183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 605,545,000 | 639,656,000 | 631,651,000 | 641,287,000 |
| Interest-bearing deposits | 529,914,000 | 566,423,000 | 559,594,000 | 563,945,000 |
| Noninterest-bearing deposits | 75,631,000 | 73,233,000 | 72,057,000 | 77,342,000 |
| Equity capital | 67,415,000 | 66,313,000 | 65,013,000 | 66,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,560,000 | 18,567,000 | 27,544,000 | 36,669,000 |
| Interest expense | 3,701,000 | 7,434,000 | 10,731,000 | 13,965,000 |
| Net interest income | 5,859,000 | 11,133,000 | 16,813,000 | 22,704,000 |
| Noninterest income | 1,456,000 | 2,689,000 | 3,893,000 | 7,317,000 |
| Noninterest expense | 4,182,000 | 8,616,000 | 12,998,000 | 17,632,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 265,000 |
| Pretax income | 3,523,000 | 6,081,000 | 9,519,000 | 14,118,000 |
| Income tax | 1,092,000 | 1,830,000 | 2,859,000 | 3,564,000 |
| Net income | 2,431,000 | 4,251,000 | 6,660,000 | 10,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,707,000 | 63,792,000 | 64,727,000 | 66,091,000 |
| Total capital | 66,556,000 | 67,666,000 | 68,655,000 | 70,069,000 |
| Risk-weighted assets | 474,340,000 | 483,472,000 | 505,094,000 | 509,689,000 |