Call reports 2014
ACNB BANK — 2014
What ACNB BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,032,558,000 | 1,044,804,000 | 1,055,291,000 | 1,076,784,000 |
| Total loans | 732,560,000 | 751,310,000 | 767,823,000 | 800,895,000 |
| Allowance for loan losses | 16,159,000 | 15,763,000 | 15,421,000 | 15,172,000 |
| Securities available for sale | 123,961,000 | 122,182,000 | 121,354,000 | 117,165,000 |
| Securities held to maturity | 91,503,000 | 77,593,000 | 75,407,000 | 73,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 821,428,000 | 827,267,000 | 830,865,000 | 850,541,000 |
| Interest-bearing deposits | 758,804,000 | 763,661,000 | 769,018,000 | 786,739,000 |
| Noninterest-bearing deposits | 62,625,000 | 63,606,000 | 61,847,000 | 63,802,000 |
| Equity capital | 91,439,000 | 93,014,000 | 93,962,000 | 92,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 9,306,000 | 18,622,000 | 27,990,000 | 37,488,000 |
| Interest expense | 879,000 | 1,762,000 | 2,652,000 | 3,560,000 |
| Net interest income | 8,427,000 | 16,860,000 | 25,338,000 | 33,928,000 |
| Noninterest income | 1,537,000 | 3,345,000 | 5,149,000 | 7,003,000 |
| Noninterest expense | 6,835,000 | 13,795,000 | 20,665,000 | 27,727,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 2,979,000 | 6,312,000 | 9,726,000 | 13,116,000 |
| Income tax | 810,000 | 1,730,000 | 2,683,000 | 3,637,000 |
| Net income | 2,169,000 | 4,582,000 | 7,043,000 | 9,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,313,000 | 92,534,000 | 93,794,000 | 95,028,000 |
| Total capital | 100,160,000 | 101,526,000 | 103,025,000 | 104,425,000 |
| Risk-weighted assets | 700,343,000 | 712,257,000 | 732,074,000 | 745,416,000 |