Call reports 2007
ACNB BANK — 2007
What ACNB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 947,039,000 | 986,698,000 | 990,980,000 | 911,378,000 |
| Total loans | 537,227,000 | 544,498,000 | 552,332,000 | 549,377,000 |
| Allowance for loan losses | 5,515,000 | 5,514,000 | 5,537,000 | 5,848,000 |
| Securities available for sale | 326,210,000 | 357,014,000 | 350,641,000 | 285,721,000 |
| Securities held to maturity | 15,990,000 | 15,368,000 | 14,642,000 | 4,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 682,907,000 | 694,830,000 | 687,725,000 | 671,071,000 |
| Interest-bearing deposits | 628,740,000 | 638,588,000 | 631,347,000 | 616,000,000 |
| Noninterest-bearing deposits | 54,167,000 | 56,242,000 | 56,378,000 | 55,071,000 |
| Equity capital | 67,984,000 | 67,839,000 | 70,803,000 | 73,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,362,000 | 25,060,000 | 38,436,000 | 51,502,000 |
| Interest expense | 6,302,000 | 12,742,000 | 19,771,000 | 26,281,000 |
| Net interest income | 6,060,000 | 12,318,000 | 18,665,000 | 25,221,000 |
| Noninterest income | 1,471,000 | 2,938,000 | 4,413,000 | 6,023,000 |
| Noninterest expense | 5,442,000 | 10,959,000 | 16,267,000 | 21,619,000 |
| Provision for loan losses | 140,000 | 140,000 | 165,000 | 500,000 |
| Pretax income | 1,959,000 | 4,167,000 | 6,656,000 | 9,167,000 |
| Income tax | 485,000 | 1,051,000 | 1,698,000 | 2,329,000 |
| Net income | 1,474,000 | 3,116,000 | 4,958,000 | 6,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,694,000 | 72,204,000 | 72,912,000 | 73,659,000 |
| Total capital | 77,209,000 | 77,718,000 | 78,449,000 | 79,507,000 |
| Risk-weighted assets | 580,838,000 | 599,147,000 | 604,536,000 | 582,881,000 |