Call reports 2013
ACNB BANK — 2013
What ACNB BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,021,377,000 | 1,024,520,000 | 1,020,428,000 | 1,032,567,000 |
| Total loans | 708,658,000 | 703,023,000 | 718,651,000 | 729,144,000 |
| Allowance for loan losses | 17,486,000 | 17,239,000 | 16,797,000 | 16,091,000 |
| Securities available for sale | 151,666,000 | 140,676,000 | 134,308,000 | 129,111,000 |
| Securities held to maturity | 61,262,000 | 90,314,000 | 96,255,000 | 94,373,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 834,805,000 | 830,253,000 | 823,460,000 | 805,188,000 |
| Interest-bearing deposits | 776,846,000 | 770,004,000 | 763,136,000 | 746,973,000 |
| Noninterest-bearing deposits | 57,959,000 | 60,249,000 | 60,324,000 | 58,215,000 |
| Equity capital | 86,667,000 | 85,671,000 | 86,612,000 | 90,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,656,000 | 19,006,000 | 28,214,000 | 37,567,000 |
| Interest expense | 1,106,000 | 2,098,000 | 3,010,000 | 3,889,000 |
| Net interest income | 8,550,000 | 16,908,000 | 25,204,000 | 33,678,000 |
| Noninterest income | 1,814,000 | 3,555,000 | 5,323,000 | 7,032,000 |
| Noninterest expense | 6,618,000 | 13,397,000 | 20,324,000 | 27,141,000 |
| Provision for loan losses | 650,000 | 1,150,000 | 1,300,000 | 1,450,000 |
| Pretax income | 3,096,000 | 5,916,000 | 8,903,000 | 12,119,000 |
| Income tax | 827,000 | 1,572,000 | 2,380,000 | 3,276,000 |
| Net income | 2,269,000 | 4,344,000 | 6,523,000 | 8,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,363,000 | 88,245,000 | 89,227,000 | 90,339,000 |
| Total capital | 95,852,000 | 96,713,000 | 97,852,000 | 99,121,000 |
| Risk-weighted assets | 668,446,000 | 668,262,000 | 681,600,000 | 695,195,000 |