Acnb corp (ACNB)
Income statement / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12Dec'11Dec'10Dec'09
INTEREST AND DIVIDEND INCOME
Loans, including fees

63,653

59,593

47,522

36,339

35,090

32,573

32,084

33,990

34,493

36,043

35,626

Securities:
Taxable

4,183

3,735

3,389

3,179

3,127

3,647

4,230

4,876

6,006

7,181

8,620

Tax-exempt

140

219

428

651

859

1,042

1,197

1,457

1,252

1,308

1,488

Dividends

328

299

252

212

301

194

22

27

13

26

38

Other

1,254

648

194

119

87

70

68

89

68

82

40

Total Interest Income

69,558

64,494

51,785

40,500

39,464

37,526

37,601

40,439

41,832

44,640

45,812

INTEREST EXPENSE
Deposits

8,129

5,253

3,547

2,369

2,120

1,810

2,177

3,441

4,457

6,223

9,307

Short-term borrowings

94

59

83

51

47

63

61

76

91

119

331

Long-term borrowings

1,917

2,087

1,803

1,514

1,691

-

-

-

-

-

-

Long-term borrowings

-

-

-

-

-

1,773

1,751

2,578

2,914

3,281

3,922

Total Interest Expense

10,140

7,399

5,433

3,934

3,858

3,646

3,989

6,095

7,462

9,623

13,560

Net Interest Income

59,418

57,095

46,352

36,566

35,606

33,880

33,612

34,344

34,370

35,017

32,252

Provision for Loan and Lease Losses

600

1,620

0

0

0

150

1,450

4,675

5,435

6,410

4,750

Net Interest Income after Provision for Loan Losses

58,818

55,475

46,352

36,566

35,606

33,730

32,162

29,669

28,935

28,607

27,502

OTHER INCOME
Net losses on equity securities

267

-296

0

-

-

-

-

-

-

-

-

Gains on sales or calls of securities

-

-

-

26

261

62

0

7

1

72

17

Gain on sales of premises and equipment

-

-

-

449

0

0

-

-

-

-

-

Impairment charges on equity securities

-

-

-

-

-

-

-

-

-

-

522

Service charges on ATM and debit card transactions

-

-

-

1,499

1,456

1,550

1,434

1,291

1,236

1,124

1,002

Commissions from insurance sales

6,339

5,550

5,024

4,822

4,634

4,839

4,671

4,835

4,824

4,949

5,484

Service charges on deposit accounts

-

-

-

2,369

2,308

2,118

2,246

2,433

2,418

2,415

2,402

Income from fiduciary, investment management and brokerage activities

-

-

-

1,684

1,589

1,418

1,299

1,224

1,396

1,303

1,057

Bank Owned Life Insurance Income

1,160

1,068

1,075

1,100

1,100

1,099

975

981

968

1,002

1,011

Gain on life insurance proceeds

0

52

0

-

-

-

-

63

0

78

-

Debt Securities, Available-for-sale, Realized Gain (Loss)

0

85

-

-

-

-

-

-

-

-

-

Debt and Equity Securities, Realized Gain (Loss)

-

-

0

-

-

-

-

-

-

-

-

Equity Securities, FV-NI, Unrealized Gain (Loss)

267

-296

0

-

-

-

-

-

-

-

-

Other

1,587

1,400

1,336

1,259

1,058

818

1,078

1,033

894

1,229

1,252

Total Other Income

18,169

15,948

14,149

13,208

12,406

11,904

11,703

11,867

11,737

12,172

11,703

OTHER EXPENSES
Salaries and employee benefits

28,798

26,734

24,654

22,200

20,932

19,516

18,950

18,553

17,138

17,318

17,680

Net occupancy

3,094

2,971

2,403

2,066

2,170

2,050

1,957

1,952

2,043

2,197

2,281

Equipment

4,771

4,959

3,757

3,046

3,007

2,768

2,826

2,537

2,620

2,499

2,175

Other tax

1,086

902

791

785

779

737

901

833

803

791

665

Professional services

1,772

1,468

1,134

852

844

936

895

825

911

1,116

860

Supplies and postage

747

766

731

646

639

602

583

634

640

717

688

Marketing and corporate relations

559

565

433

574

452

587

396

372

478

458

430

FDIC and regulatory

436

688

644

611

665

748

768

843

1,026

1,434

1,958

Merger related expenses

-

-

4,728

472

0

-

-

-

-

-

-

Merger related expenses

769

0

-

-

-

0

-

-

-

-

-

FDIC and regulatory

436

688

644

611

665

-

-

-

-

-

-

Intangible assets amortization

621

745

537

345

336

649

641

641

641

641

638

Foreclosed real estate expenses

12

129

93

55

119

346

576

-119

725

292

18

Other operating

4,956

4,776

4,174

3,485

3,291

3,325

3,522

3,260

2,991

2,840

3,236

Total Other Expenses

47,621

44,703

44,079

35,137

33,234

32,264

32,015

30,331

30,016

30,303

30,629

Income (Loss) from Continuing Operations before Income Taxes, Domestic

29,366

26,720

16,422

14,637

14,778

13,370

11,850

11,205

10,656

10,476

8,576

(BENEFIT) PROVISION FOR INCOME TAXES

5,645

4,972

6,634

3,768

3,761

3,080

2,535

2,319

2,154

2,057

1,357

Net Income (Loss) Attributable to Parent

23,721

21,748

9,788

10,869

11,017

10,290

9,315

8,886

8,502

8,419

7,219

Earnings Per Share [Abstract]
Basic earnings (in dollars per share)

3.36

3.09

1.50

1.80

1.83

1.71

1.56

1.49

1.43

1.42

1.22

Cash dividends declared (in dollars per share)

0.98

0.89

0.80

0.80

0.80

0.77

0.76

0.76

0.76

0.76

0.76

Service charges on deposit accounts
Revenue from contract with customer, excluding assessed tax

3,903

3,350

2,940

-

-

-

-

-

-

-

-

Income from fiduciary, investment management and brokerage activities
Revenue from contract with customer, excluding assessed tax

2,469

2,364

2,012

-

-

-

-

-

-

-

-

Service charges on ATM and debit card transactions
Revenue from contract with customer, excluding assessed tax

2,444

2,375

1,762

-

-

-

-

-

-

-

-