Call reports 2020
ACNB BANK — 2020
What ACNB BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,166,601,000 | 2,398,495,000 | 2,489,219,000 | 2,541,188,000 |
| Total loans | 1,610,825,000 | 1,739,411,000 | 1,710,926,000 | 1,648,818,000 |
| Allowance for loan losses | 15,852,000 | 18,353,000 | 19,200,000 | 20,226,000 |
| Securities available for sale | 253,048,000 | 257,603,000 | 313,671,000 | 337,718,000 |
| Securities held to maturity | 18,090,000 | 14,929,000 | 13,606,000 | 10,294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,818,918,000 | 2,040,840,000 | 2,123,351,000 | 2,192,657,000 |
| Interest-bearing deposits | 1,739,944,000 | 1,946,392,000 | 2,036,033,000 | 2,107,080,000 |
| Noninterest-bearing deposits | 78,974,000 | 94,448,000 | 87,318,000 | 85,577,000 |
| Equity capital | 242,434,000 | 246,793,000 | 251,133,000 | 252,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 20,882,000 | 42,458,000 | 63,754,000 | 85,207,000 |
| Interest expense | 3,251,000 | 6,320,000 | 9,114,000 | 11,525,000 |
| Net interest income | 17,631,000 | 36,138,000 | 54,640,000 | 73,682,000 |
| Noninterest income | 3,201,000 | 6,403,000 | 9,809,000 | 14,001,000 |
| Noninterest expense | 17,627,000 | 29,744,000 | 41,567,000 | 55,024,000 |
| Provision for loan losses | 4,000,000 | 6,550,000 | 8,100,000 | 9,140,000 |
| Pretax income | -779,000 | 6,272,000 | 14,807,000 | 23,540,000 |
| Income tax | -378,000 | 1,053,000 | 2,848,000 | 4,640,000 |
| Net income | -401,000 | 5,219,000 | 11,959,000 | 18,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 213,753,000 | 217,099,000 | 221,849,000 | 226,800,000 |
| Total capital | — | — | 241,142,000 | 247,119,000 |
| Risk-weighted assets | — | — | 1,701,480,000 | 1,636,397,000 |