Call reports 2004
ACNB BANK — 2004
What ACNB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 860,876,000 | 892,730,000 | 938,891,000 | 917,145,000 |
| Total loans | 419,030,000 | 422,470,000 | 430,299,000 | 441,080,000 |
| Allowance for loan losses | 4,043,000 | 4,096,000 | 4,170,000 | 3,938,000 |
| Securities available for sale | 349,018,000 | 366,296,000 | 410,796,000 | 380,809,000 |
| Securities held to maturity | 39,509,000 | 35,100,000 | 27,192,000 | 24,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 653,887,000 | 668,208,000 | 655,659,000 | 647,718,000 |
| Interest-bearing deposits | 579,975,000 | 593,713,000 | 578,403,000 | 572,577,000 |
| Noninterest-bearing deposits | 73,912,000 | 74,495,000 | 77,256,000 | 75,141,000 |
| Equity capital | 67,340,000 | 61,643,000 | 65,979,000 | 65,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,928,000 | 18,105,000 | 28,098,000 | 37,721,000 |
| Interest expense | 3,074,000 | 6,164,000 | 9,660,000 | 13,202,000 |
| Net interest income | 5,854,000 | 11,941,000 | 18,438,000 | 24,519,000 |
| Noninterest income | 1,116,000 | 2,274,000 | 3,489,000 | 4,673,000 |
| Noninterest expense | 4,732,000 | 9,279,000 | 13,754,000 | 18,088,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,980,000 | 5,557,000 | 8,962,000 | 11,917,000 |
| Income tax | 887,000 | 1,643,000 | 2,617,000 | 3,502,000 |
| Net income | 2,093,000 | 3,914,000 | 6,345,000 | 8,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,066,000 | 66,070,000 | 67,380,000 | 67,568,000 |
| Total capital | 71,109,000 | 70,166,000 | 71,550,000 | 71,506,000 |
| Risk-weighted assets | 510,661,000 | 495,291,000 | 521,080,000 | 529,003,000 |