Call reports 2010
ACNB BANK — 2010
What ACNB BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 964,017,000 | 963,375,000 | 977,585,000 | 953,152,000 |
| Total loans | 661,067,000 | 665,965,000 | 674,704,000 | 669,344,000 |
| Allowance for loan losses | 12,768,000 | 14,344,000 | 15,278,000 | 15,252,000 |
| Securities available for sale | 197,649,000 | 203,901,000 | 204,841,000 | 189,984,000 |
| Securities held to maturity | 10,054,000 | 10,051,000 | 10,048,000 | 10,044,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 735,649,000 | 754,639,000 | 765,773,000 | 747,628,000 |
| Interest-bearing deposits | 682,081,000 | 698,067,000 | 710,027,000 | 691,687,000 |
| Noninterest-bearing deposits | 53,568,000 | 56,572,000 | 55,746,000 | 55,941,000 |
| Equity capital | 77,903,000 | 79,944,000 | 80,910,000 | 80,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 11,123,000 | 22,827,000 | 33,933,000 | 44,666,000 |
| Interest expense | 2,505,000 | 4,941,000 | 7,283,000 | 9,440,000 |
| Net interest income | 8,618,000 | 17,886,000 | 26,650,000 | 35,226,000 |
| Noninterest income | 1,639,000 | 3,394,000 | 5,129,000 | 7,148,000 |
| Noninterest expense | 6,404,000 | 12,737,000 | 19,022,000 | 25,875,000 |
| Provision for loan losses | 859,000 | 3,210,000 | 4,610,000 | 6,410,000 |
| Pretax income | 3,020,000 | 5,358,000 | 8,219,000 | 10,161,000 |
| Income tax | 791,000 | 1,321,000 | 2,065,000 | 2,503,000 |
| Net income | 2,229,000 | 4,037,000 | 6,154,000 | 7,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,529,000 | 78,211,000 | 79,201,000 | 79,579,000 |
| Total capital | 85,723,000 | 86,457,000 | 87,605,000 | 87,965,000 |
| Risk-weighted assets | 650,904,000 | 653,291,000 | 664,459,000 | 663,922,000 |