Call reports 2015
ACNB BANK — 2015
What ACNB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,096,133,000 | 1,093,726,000 | 1,119,606,000 | 1,135,429,000 |
| Total loans | 816,805,000 | 817,915,000 | 826,481,000 | 854,795,000 |
| Allowance for loan losses | 15,065,000 | 14,865,000 | 14,762,000 | 14,747,000 |
| Securities available for sale | 114,609,000 | 106,350,000 | 107,977,000 | 124,954,000 |
| Securities held to maturity | 71,409,000 | 75,719,000 | 73,507,000 | 71,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 880,884,000 | 878,133,000 | 900,547,000 | 918,223,000 |
| Interest-bearing deposits | 841,660,000 | 838,627,000 | 860,835,000 | 874,579,000 |
| Noninterest-bearing deposits | 39,224,000 | 39,506,000 | 39,712,000 | 43,644,000 |
| Equity capital | 93,631,000 | 94,499,000 | 95,940,000 | 95,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,802,000 | 19,839,000 | 29,549,000 | 39,433,000 |
| Interest expense | 951,000 | 1,922,000 | 2,873,000 | 3,814,000 |
| Net interest income | 8,851,000 | 17,917,000 | 26,676,000 | 35,619,000 |
| Noninterest income | 1,740,000 | 3,651,000 | 5,560,000 | 7,511,000 |
| Noninterest expense | 7,185,000 | 14,631,000 | 21,824,000 | 28,854,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,406,000 | 7,038,000 | 10,514,000 | 14,379,000 |
| Income tax | 935,000 | 1,898,000 | 2,830,000 | 3,890,000 |
| Net income | 2,471,000 | 5,140,000 | 7,684,000 | 10,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,297,000 | 97,761,000 | 99,100,000 | 100,698,000 |
| Total capital | 105,639,000 | 107,246,000 | 108,567,000 | 110,287,000 |
| Risk-weighted assets | 740,743,000 | 752,975,000 | 751,283,000 | 761,550,000 |