Call reports 2012
ACNB BANK — 2012
What ACNB BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,005,156,000 | 1,031,657,000 | 1,047,792,000 | 1,034,908,000 |
| Total loans | 704,585,000 | 693,846,000 | 705,693,000 | 714,823,000 |
| Allowance for loan losses | 14,538,000 | 15,322,000 | 15,993,000 | 16,825,000 |
| Securities available for sale | 206,111,000 | 187,930,000 | 175,096,000 | 165,010,000 |
| Securities held to maturity | 10,028,000 | 28,388,000 | 48,016,000 | 50,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 789,937,000 | 820,280,000 | 833,889,000 | 836,820,000 |
| Interest-bearing deposits | 734,209,000 | 764,803,000 | 776,322,000 | 782,100,000 |
| Noninterest-bearing deposits | 55,728,000 | 55,477,000 | 57,567,000 | 54,720,000 |
| Equity capital | 84,031,000 | 85,054,000 | 86,573,000 | 85,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,258,000 | 20,415,000 | 30,467,000 | 40,402,000 |
| Interest expense | 1,602,000 | 3,167,000 | 4,663,000 | 5,981,000 |
| Net interest income | 8,656,000 | 17,248,000 | 25,804,000 | 34,421,000 |
| Noninterest income | 1,596,000 | 3,363,000 | 5,206,000 | 7,018,000 |
| Noninterest expense | 6,414,000 | 13,082,000 | 19,412,000 | 25,597,000 |
| Provision for loan losses | 1,125,000 | 2,250,000 | 3,375,000 | 4,675,000 |
| Pretax income | 2,717,000 | 5,286,000 | 8,230,000 | 11,174,000 |
| Income tax | 668,000 | 1,300,000 | 2,042,000 | 2,827,000 |
| Net income | 2,049,000 | 3,986,000 | 6,188,000 | 8,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,563,000 | 84,310,000 | 85,321,000 | 86,288,000 |
| Total capital | 92,267,000 | 92,646,000 | 93,806,000 | 94,840,000 |
| Risk-weighted assets | 694,292,000 | 657,947,000 | 669,132,000 | 673,982,000 |