Call reports 2022
ACNB BANK — 2022
What ACNB BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 2,723,933,000 | 2,661,526,000 | 2,632,381,000 | 2,487,272,000 |
| Total loans | 1,485,449,000 | 1,510,237,000 | 1,527,128,000 | 1,538,733,000 |
| Allowance for loan losses | 18,963,000 | 18,943,000 | 17,952,000 | 17,861,000 |
| Securities available for sale | 576,360,000 | 529,407,000 | 503,193,000 | 553,554,000 |
| Securities held to maturity | 28,019,000 | 66,329,000 | 66,304,000 | 64,977,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,420,816,000 | 2,370,738,000 | 2,347,458,000 | 2,201,468,000 |
| Interest-bearing deposits | 1,785,987,000 | 1,785,572,000 | 1,756,795,000 | 1,605,716,000 |
| Noninterest-bearing deposits | 634,828,000 | 585,166,000 | 590,663,000 | 595,752,000 |
| Equity capital | 250,344,000 | 243,618,000 | 224,408,000 | 225,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 18,054,000 | 38,735,000 | 62,103,000 | 86,952,000 |
| Interest expense | 807,000 | 1,470,000 | 2,086,000 | 2,672,000 |
| Net interest income | 17,247,000 | 37,265,000 | 60,017,000 | 84,280,000 |
| Noninterest income | 3,367,000 | 6,783,000 | 10,292,000 | 13,611,000 |
| Noninterest expense | 11,756,000 | 24,901,000 | 38,207,000 | 52,762,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 8,809,000 | 19,086,000 | 31,979,000 | 44,760,000 |
| Income tax | 1,831,000 | 3,950,000 | 6,675,000 | 9,353,000 |
| Net income | 6,978,000 | 15,136,000 | 25,304,000 | 35,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 251,130,000 | 253,427,000 | 249,321,000 | 246,184,000 |
| Total capital | 270,185,000 | 272,462,000 | 267,365,000 | 264,137,000 |
| Risk-weighted assets | 1,571,016,000 | 1,594,499,000 | 1,638,821,000 | 1,676,470,000 |