Call reports 2023
ACNB BANK — 2023
What ACNB BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,391,538,000 | 2,358,620,000 | 2,368,600,000 | 2,397,993,000 |
| Total loans | 1,531,793,000 | 1,573,817,000 | 1,615,966,000 | 1,628,268,000 |
| Allowance for loan losses | 19,485,000 | 19,148,000 | 19,264,000 | 19,969,000 |
| Securities available for sale | 501,944,000 | 452,252,000 | 435,559,000 | 451,693,000 |
| Securities held to maturity | 64,960,000 | 64,926,000 | 64,616,000 | 64,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,076,877,000 | 1,985,709,000 | 1,972,054,000 | 1,878,875,000 |
| Interest-bearing deposits | 1,481,016,000 | 1,413,847,000 | 1,403,744,000 | 1,378,543,000 |
| Noninterest-bearing deposits | 595,861,000 | 571,862,000 | 568,310,000 | 500,332,000 |
| Equity capital | 236,409,000 | 237,122,000 | 237,075,000 | 258,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 23,890,000 | 47,093,000 | 71,321,000 | 96,600,000 |
| Interest expense | 561,000 | 1,527,000 | 3,746,000 | 7,268,000 |
| Net interest income | 23,329,000 | 45,566,000 | 67,575,000 | 89,332,000 |
| Noninterest income | 3,256,000 | 7,170,000 | 10,863,000 | 14,348,000 |
| Noninterest expense | 14,265,000 | 28,454,000 | 42,450,000 | 57,573,000 |
| Provision for loan losses | 97,000 | -176,000 | 74,000 | 860,000 |
| Pretax income | 11,770,000 | 23,334,000 | 34,933,000 | 40,048,000 |
| Income tax | 2,467,000 | 4,837,000 | 7,384,000 | 8,139,000 |
| Net income | 9,303,000 | 18,497,000 | 27,549,000 | 31,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 252,673,000 | 259,606,000 | 266,395,000 | 268,314,000 |
| Total capital | 271,684,000 | 278,401,000 | 285,135,000 | 288,743,000 |
| Risk-weighted assets | 1,702,503,000 | 1,732,212,000 | 1,777,333,000 | 1,805,776,000 |