Call reports 2021
ACNB BANK — 2021
What ACNB BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 2,640,070,000 | 2,694,267,000 | 2,778,405,000 | 2,772,684,000 |
| Total loans | 1,622,718,000 | 1,560,443,000 | 1,490,821,000 | 1,470,620,000 |
| Allowance for loan losses | 20,237,000 | 20,207,000 | 19,141,000 | 19,033,000 |
| Securities available for sale | 355,008,000 | 385,834,000 | 411,676,000 | 437,098,000 |
| Securities held to maturity | 9,155,000 | 8,139,000 | 7,220,000 | 6,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,301,074,000 | 2,354,796,000 | 2,434,215,000 | 2,441,127,000 |
| Interest-bearing deposits | 2,201,977,000 | 2,261,513,000 | 2,356,366,000 | 2,353,839,000 |
| Noninterest-bearing deposits | 99,098,000 | 93,283,000 | 77,849,000 | 87,288,000 |
| Equity capital | 251,223,000 | 259,883,000 | 263,543,000 | 266,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 19,336,000 | 39,948,000 | 59,415,000 | 78,072,000 |
| Interest expense | 1,889,000 | 3,386,000 | 4,661,000 | 5,777,000 |
| Net interest income | 17,447,000 | 36,562,000 | 54,754,000 | 72,295,000 |
| Noninterest income | 4,165,000 | 8,256,000 | 11,817,000 | 16,096,000 |
| Noninterest expense | 12,507,000 | 24,770,000 | 37,243,000 | 53,118,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 9,038,000 | 19,982,000 | 29,258,000 | 35,194,000 |
| Income tax | 1,910,000 | 4,261,000 | 6,246,000 | 7,442,000 |
| Net income | 7,128,000 | 15,721,000 | 23,012,000 | 27,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 231,924,000 | 238,338,000 | 243,612,000 | 246,259,000 |
| Total capital | 252,165,000 | 258,015,000 | 262,846,000 | 265,126,000 |
| Risk-weighted assets | 1,619,181,000 | 1,573,563,000 | 1,539,683,000 | 1,509,020,000 |