Call reports 2019
ACNB BANK — 2019
What ACNB BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,657,502,000 | 1,665,469,000 | 1,721,986,000 | 1,706,094,000 |
| Total loans | 1,301,635,000 | 1,282,273,000 | 1,291,295,000 | 1,275,007,000 |
| Allowance for loan losses | 14,020,000 | 14,057,000 | 13,924,000 | 13,835,000 |
| Securities available for sale | 160,949,000 | 175,712,000 | 184,678,000 | 190,837,000 |
| Securities held to maturity | 26,073,000 | 24,722,000 | 22,443,000 | 19,234,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,375,652,000 | 1,385,891,000 | 1,426,126,000 | 1,420,245,000 |
| Interest-bearing deposits | 1,299,084,000 | 1,309,055,000 | 1,345,776,000 | 1,350,614,000 |
| Noninterest-bearing deposits | 76,569,000 | 76,836,000 | 80,350,000 | 69,631,000 |
| Equity capital | 162,157,000 | 168,160,000 | 173,294,000 | 176,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 16,860,000 | 34,308,000 | 51,997,000 | 69,510,000 |
| Interest expense | 2,092,000 | 4,457,000 | 6,991,000 | 9,659,000 |
| Net interest income | 14,768,000 | 29,851,000 | 45,006,000 | 59,851,000 |
| Noninterest income | 2,586,000 | 5,364,000 | 8,512,000 | 11,563,000 |
| Noninterest expense | 9,971,000 | 20,145,000 | 30,307,000 | 41,519,000 |
| Provision for loan losses | 150,000 | 275,000 | 425,000 | 600,000 |
| Pretax income | 7,249,000 | 14,825,000 | 22,823,000 | 29,327,000 |
| Income tax | 1,397,000 | 2,858,000 | 4,437,000 | 5,734,000 |
| Net income | 5,852,000 | 11,967,000 | 18,386,000 | 23,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,524,000 | 162,952,000 | 167,672,000 | 171,179,000 |
| Total capital | 172,625,000 | 177,090,000 | 181,677,000 | 185,095,000 |
| Risk-weighted assets | 1,197,418,000 | 1,180,793,000 | 1,221,882,000 | 1,211,417,000 |