Call reports 2005
ACNB BANK — 2005
What ACNB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 925,553,000 | 902,139,000 | 929,159,000 | 930,857,000 |
| Total loans | 449,751,000 | 465,273,000 | 478,631,000 | 493,524,000 |
| Allowance for loan losses | 3,989,000 | 4,086,000 | 4,226,000 | 4,456,000 |
| Securities available for sale | 377,847,000 | 347,836,000 | 357,122,000 | 347,990,000 |
| Securities held to maturity | 23,154,000 | 21,534,000 | 20,101,000 | 19,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 659,904,000 | 676,882,000 | 681,021,000 | 680,286,000 |
| Interest-bearing deposits | 607,112,000 | 623,922,000 | 624,910,000 | 631,057,000 |
| Noninterest-bearing deposits | 52,792,000 | 52,960,000 | 56,111,000 | 49,229,000 |
| Equity capital | 61,956,000 | 65,153,000 | 64,922,000 | 64,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 10,085,000 | 20,438,000 | 31,129,000 | 42,239,000 |
| Interest expense | 3,750,000 | 7,756,000 | 12,208,000 | 17,009,000 |
| Net interest income | 6,335,000 | 12,682,000 | 18,921,000 | 25,230,000 |
| Noninterest income | 1,241,000 | 2,510,000 | 3,836,000 | 5,056,000 |
| Noninterest expense | 5,051,000 | 10,388,000 | 15,689,000 | 20,939,000 |
| Provision for loan losses | 90,000 | 180,000 | 348,000 | 516,000 |
| Pretax income | 2,435,000 | 4,352,000 | 6,456,000 | 8,567,000 |
| Income tax | 648,000 | 1,112,000 | 1,635,000 | 2,121,000 |
| Net income | 1,787,000 | 3,240,000 | 4,821,000 | 6,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,248,000 | 68,580,000 | 69,037,000 | 69,065,000 |
| Total capital | 72,237,000 | 72,666,000 | 73,263,000 | 73,521,000 |
| Risk-weighted assets | 535,875,000 | 517,241,000 | 531,799,000 | 544,338,000 |