Call reports 2011
ACNB BANK — 2011
What ACNB BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 960,617,000 | 982,544,000 | 1,008,825,000 | 988,859,000 |
| Total loans | 665,336,000 | 669,177,000 | 682,089,000 | 694,805,000 |
| Allowance for loan losses | 14,335,000 | 14,700,000 | 15,412,000 | 15,482,000 |
| Securities available for sale | 191,337,000 | 206,995,000 | 208,702,000 | 208,474,000 |
| Securities held to maturity | 10,041,000 | 10,038,000 | 10,035,000 | 10,032,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 761,576,000 | 771,162,000 | 803,609,000 | 785,010,000 |
| Interest-bearing deposits | 701,416,000 | 713,163,000 | 739,187,000 | 731,104,000 |
| Noninterest-bearing deposits | 60,160,000 | 57,999,000 | 64,422,000 | 53,906,000 |
| Equity capital | 81,646,000 | 83,631,000 | 85,540,000 | 83,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 10,475,000 | 20,958,000 | 31,366,000 | 41,808,000 |
| Interest expense | 1,876,000 | 3,735,000 | 5,566,000 | 7,327,000 |
| Net interest income | 8,599,000 | 17,223,000 | 25,800,000 | 34,481,000 |
| Noninterest income | 1,751,000 | 3,446,000 | 5,141,000 | 6,904,000 |
| Noninterest expense | 6,203,000 | 12,722,000 | 19,109,000 | 25,551,000 |
| Provision for loan losses | 1,100,000 | 2,410,000 | 3,610,000 | 5,435,000 |
| Pretax income | 3,047,000 | 5,537,000 | 8,223,000 | 10,400,000 |
| Income tax | 814,000 | 1,421,000 | 2,093,000 | 2,586,000 |
| Net income | 2,233,000 | 4,116,000 | 6,130,000 | 7,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,686,000 | 81,387,000 | 82,209,000 | 82,703,000 |
| Total capital | 88,952,000 | 89,747,000 | 90,709,000 | 91,307,000 |
| Risk-weighted assets | 655,173,000 | 662,486,000 | 674,350,000 | 685,376,000 |