Call reports 2016
ACNB BANK — 2016
What ACNB BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,139,823,000 | 1,157,164,000 | 1,196,953,000 | 1,194,547,000 |
| Total loans | 867,849,000 | 867,787,000 | 873,900,000 | 909,680,000 |
| Allowance for loan losses | 14,540,000 | 14,636,000 | 14,488,000 | 14,194,000 |
| Securities available for sale | 118,691,000 | 116,288,000 | 143,226,000 | 142,309,000 |
| Securities held to maturity | 69,686,000 | 59,681,000 | 57,562,000 | 55,568,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 918,844,000 | 928,686,000 | 972,312,000 | 977,123,000 |
| Interest-bearing deposits | 875,872,000 | 881,618,000 | 926,364,000 | 932,514,000 |
| Noninterest-bearing deposits | 42,972,000 | 47,068,000 | 45,948,000 | 44,609,000 |
| Equity capital | 97,973,000 | 99,836,000 | 101,088,000 | 100,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,956,000 | 19,957,000 | 30,130,000 | 40,465,000 |
| Interest expense | 958,000 | 1,939,000 | 2,936,000 | 3,938,000 |
| Net interest income | 8,998,000 | 18,018,000 | 27,194,000 | 36,527,000 |
| Noninterest income | 1,769,000 | 4,252,000 | 6,284,000 | 8,359,000 |
| Noninterest expense | 7,466,000 | 15,129,000 | 22,708,000 | 30,264,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,301,000 | 7,141,000 | 10,770,000 | 14,622,000 |
| Income tax | 863,000 | 1,901,000 | 2,872,000 | 3,939,000 |
| Net income | 2,438,000 | 5,240,000 | 7,898,000 | 10,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,928,000 | 103,521,000 | 104,968,000 | 106,540,000 |
| Total capital | 111,758,000 | 113,366,000 | 114,945,000 | 116,865,000 |
| Risk-weighted assets | 780,868,000 | 781,711,000 | 792,741,000 | 822,122,000 |