Call reports 2008
ACNB BANK — 2008
What ACNB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 909,248,000 | 916,547,000 | 921,342,000 | 960,896,000 |
| Total loans | 569,036,000 | 599,380,000 | 623,704,000 | 640,967,000 |
| Allowance for loan losses | 5,931,000 | 6,337,000 | 9,618,000 | 7,393,000 |
| Securities available for sale | 270,304,000 | 245,573,000 | 230,276,000 | 251,657,000 |
| Securities held to maturity | 2,885,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 693,111,000 | 697,859,000 | 680,555,000 | 691,419,000 |
| Interest-bearing deposits | 629,642,000 | 631,640,000 | 621,448,000 | 642,493,000 |
| Noninterest-bearing deposits | 63,469,000 | 66,220,000 | 59,107,000 | 48,926,000 |
| Equity capital | 75,517,000 | 72,415,000 | 70,700,000 | 72,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,060,000 | 23,945,000 | 35,929,000 | 47,849,000 |
| Interest expense | 5,286,000 | 9,894,000 | 14,276,000 | 18,596,000 |
| Net interest income | 6,774,000 | 14,051,000 | 21,653,000 | 29,253,000 |
| Noninterest income | 1,488,000 | 3,052,000 | 4,671,000 | 6,191,000 |
| Noninterest expense | 5,626,000 | 11,116,000 | 16,718,000 | 22,496,000 |
| Provision for loan losses | 120,000 | 670,000 | 4,270,000 | 5,570,000 |
| Pretax income | 2,606,000 | 5,418,000 | 5,494,000 | 7,537,000 |
| Income tax | 675,000 | 1,379,000 | 1,156,000 | 1,642,000 |
| Net income | 1,931,000 | 4,039,000 | 4,338,000 | 5,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,873,000 | 74,692,000 | 73,860,000 | 74,315,000 |
| Total capital | 79,804,000 | 81,029,000 | 81,665,000 | 81,708,000 |
| Risk-weighted assets | 582,600,000 | 609,896,000 | 622,605,000 | 639,379,000 |