Call reports 2006
ACNB BANK — 2006
What ACNB BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 950,024,000 | 944,208,000 | 952,007,000 | 949,157,000 |
| Total loans | 518,922,000 | 518,871,000 | 529,428,000 | 524,819,000 |
| Allowance for loan losses | 4,717,000 | 4,915,000 | 5,173,000 | 5,375,000 |
| Securities available for sale | 340,539,000 | 333,577,000 | 331,766,000 | 335,475,000 |
| Securities held to maturity | 18,242,000 | 17,446,000 | 16,884,000 | 16,546,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 675,437,000 | 679,386,000 | 669,779,000 | 670,318,000 |
| Interest-bearing deposits | 621,205,000 | 623,885,000 | 615,385,000 | 617,967,000 |
| Noninterest-bearing deposits | 54,232,000 | 55,501,000 | 54,394,000 | 52,351,000 |
| Equity capital | 63,572,000 | 63,024,000 | 66,633,000 | 66,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 11,569,000 | 23,505,000 | 35,790,000 | 48,180,000 |
| Interest expense | 5,313,000 | 10,871,000 | 16,868,000 | 23,128,000 |
| Net interest income | 6,256,000 | 12,634,000 | 18,922,000 | 25,052,000 |
| Noninterest income | 1,212,000 | 2,554,000 | 3,923,000 | 5,436,000 |
| Noninterest expense | 5,378,000 | 10,624,000 | 15,620,000 | 20,837,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 870,000 |
| Pretax income | 1,865,000 | 4,114,000 | 6,550,000 | 8,781,000 |
| Income tax | 491,000 | 1,101,000 | 1,778,000 | 2,404,000 |
| Net income | 1,374,000 | 3,013,000 | 4,772,000 | 6,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,314,000 | 69,834,000 | 70,465,000 | 71,350,000 |
| Total capital | 74,031,000 | 74,749,000 | 75,638,000 | 76,725,000 |
| Risk-weighted assets | 568,675,000 | 569,676,000 | 578,318,000 | 567,481,000 |