ACNB Bank in Gettysburg, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

ACNB Bank - Overview

  • General
  • FDIC Certificate #: 7506
    Status: Active
    Federal Reserve ID: 5210
    Bank Holding Company (Regulatory Top Holder): Acnb Corporation (RSSDID: 1117464, Location: Gettysburg, PA)
    Date Established: April 11, 1857
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 18 (Domestic: 18, Interstate: No)
    OTS Docket #: 12499
    FDIC's unique #: 4871
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: Febuary 07, 2011
    Last Structure Change Process Date: Febuary 07, 2011
    Last Data Update: Febuary 07, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 16 Lincoln Square, Gettysburg, PA 17325
    County: Adams
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Combined Statistical Area (CSA): York-Hanover-Gettysburg, PA (#564)
    Core Based Statistical Area (CBSA): Gettysburg, PA (#23900)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $988.9 mil
    Equity capital: $83.3 mil
    Deposits held in domestic offices: $785.0 mil
    Return on assets (ROA): 0.80% ($7.9 mil)
    Quarterly return on assets: 0.67% ($6.6 mil)
    Return on Equity (ROE): 9.42% ($7.8 mil)
    Quarterly return on equity: 7.98% ($6.6 mil)
    Net income: $7.8 mil
    Quarterly Net income: $1.7 mil
    Pretax return on assets: 1.06% ($10,481.9 mil)
    Quarterly Pretax return on assets: 0.87% ($8,603.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 259Total employees (full-time equivalent)
  • $988,859Total assets
  • $22,622Cash and due from depository institutions
  • $8,200Interest-bearing balances
  • $218,506Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $679,323Net loans & leases
  • $15,482Loan loss allowance
  • $0Trading account assets
  • $14,410Bank premises and fixed assets
  • $4,437Other real estate owned
  • $0Goodwill and other intangibles
  • $988,859Life insurance assets
  • $49,561All other assets
  • $905,585Total liabilities and capital
  • $785,010Total liabilities
  • $731,104Total deposits
  • $785,010Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 45962.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $69,000Trading liabilities
  • $0Other borrowed funds
  • $5,613Subordinated debt
  • $83,274All other liabilities
  • $83,274Total equity capital
  • $83,274Total bank equity capital
  • $0Perpetual preferred stock
  • $4,798Common stock
  • $5,455Surplus
  • $73,021Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $337Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,037Income earned, not collected on loans
  • $0Earning assets
  • $3,680Long-term assets (5+ years)
  • $906,029Average Assets, year-to-date
  • $399,351Average Assets, quarterly
  • $978,799Volatile liabilities
  • $998,842Insider loans
  • $685,376FHLB advances
  • $1,003,608Loans and leases held for sale
  • $28,411Unused loan commitments
  • $24,665Tier 1 (core) risk-based capital
  • $82,703Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,746Total unused commitments
  • $129,586Restructured Loans and leases
  • $10,318Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $41,808Total interest income
  • $7,327Total interest expense
  • $34,481Net interest income
  • $5,435Provision for loan and lease losses
  • $6,904Total noninterest income
  • $1,396Fiduciary activities
  • $2,418Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,090Additional noninterest income
  • $25,551Total noninterest expense
  • $14,220Salaries and employee benefits
  • $4,388Premises and equipment expense
  • $6,943Additional noninterest expense
  • $10,399Pre-tax net operating income
  • $1Securities gains (losses)
  • $2,586Applicable income taxes
  • $7,814Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,814Net income attributable to bank
  • $0Net charge-offs
  • $7,814Cash dividends
  • $5,205Sale, conversion, retirement of capital stock, net
  • $4,689Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 9.42%Return on equity (ROE)
  • 3.77%Retained earnings to average equity (YTD only)
  • 0.77%Net charge-offs to loans
  • 104.42%Credit loss provision to net charge-offs
  • 3.04%Efficiency ratio
  • 61,740Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.01%Loss allowance to loans
  • 2.23%Loss allowance to noncurrent loans
  • 110.29%Noncurrent assets plus other real estate owned to assets
  • 1.87%Noncurrent loans to loans
  • 2.02%Net loans and leases to deposits
  • 86.54%Net loans and leases to core deposits
  • 88.85%Equity capital to assets
  • 8.42%Core capital (leverage) ratio
  • 8.24%Tier 1 risk-based capital ratio
  • 12.07%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $978,799Average earning assets
  • $82,955Average equity
  • $895,239Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $134,782Managed Assets
  • 1Number of Accounts
  • $130,317Personal trust and agency accounts
  • $63,237Employee benefit-defined contribution accounts
  • $594Employee benefit-defined benefit accounts
  • $5,757Other retirement accounts
  • $6,355Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $43,624Other fiduciary accounts
  • $10,750Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 421Number of Accounts
  • $0Personal trust and agency accounts
  • $6,355Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,465Other retirement accounts
  • $2,741Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 18 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04871Acnb Bank16 Lincoln Square, Gettysburg, PA 17325April 11, 1857Full Service Brick and Mortar
    1215729Gettysburg Branch675 Old Harrisburg Road, Gettysburg, PA 17325December 10, 1962Full Service Brick and Mortar
    2215730Mcsherrystown Branch369 Main Street, Mc Sherrystown, PA 17344January 03, 1955Full Service Brick and Mortar
    4215732East Berlin Branch1677 Route 194 North, East Berlin, PA 17316December 01, 1967Full Service Brick and Mortar
    5215733York Springs Branch202 Main Street, York Springs, PA 17372August 01, 1969Full Service Brick and Mortar
    6215734Littlestown Branch444 West King Street, Littlestown, PA 17340September 15, 1972Full Service Brick and Mortar
    7215735Carroll Valley Branch4910 Fairfield Road, Suite F, Fairfield, PA 17320November 20, 1978Full Service Brick and Mortar
    84816Arendtsville Branch101 Main Street, Arendtsville, PA 17303May 18, 1908Full Service Brick and Mortar
    9215352Cashtown Branch10 High Street, Cashtown, PA 17310June 14, 1971Full Service Brick and Mortar
    10215736Biglerville Branch3459 Biglerville Rd, Biglerville, PA 17307November 15, 1984Full Service Brick and Mortar
    114824Bendersville Branch101 North Main Street, Bendersville, PA 17306April 20, 1908Full Service Brick and Mortar
    12215737Hanover Branch1127 Eichelberger Street, Hanover, PA 17331June 12, 1991Full Service Brick and Mortar
    15216207Newville Branch39 Carlisle Road, Newville, PA 17241July 11, 1995Full Service Brick and Mortar
    18208328Gettysburg Branch545 West Middle Street, Gettysburg, PA 17325December 02, 1996Full Service Brick and Mortar
    20419468Dillsburg Branch3 Tristan Drive, Dillsburg, PA 17019August 14, 2002Full Service Brick and Mortar
    21437132New Oxford Branch318 Lincolnway East, New Oxford, PA 17350January 31, 2005Full Service Brick and Mortar
    22445182Adams Commerce Center Branch100 V-Twin Drive, Gettysburg, PA 17325August 29, 2005Full Service Brick and Mortar
    23451175South Hanover Branch865 Baltimore Street, Hanover, PA 17331April 10, 2006Full Service Brick and Mortar

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