ACNB CORP
For the period ended Mar 31, 2025. Filed May 9, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Mar 31, 2025 · Filed May 9, 2025
ACNB$66.79+0.2%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Statements of (Loss) Income (Unaudited)
| ACNB CORPORATION | ||
|---|---|---|
| CONSOLIDATED STATEMENTS OF (LOSS) INCOME (UNAUDITED) | ||
| Three Months Ended March 31, | ||
| (Dollars in thousands, except share data) | 2025 | 2024 |
| INTEREST AND DIVIDEND INCOME | ||
| Loans, including fees: | ||
| Taxable | $31,676 | $21,470 |
| Tax-exempt | 292 | 319 |
| Investment Securities: | ||
| Taxable | 2,902 | 2,911 |
| Tax-exempt | 288 | 284 |
| Dividends | 340 | 240 |
| Other | 792 | 750 |
| Total Interest and Dividend Income | 36,290 | 25,974 |
| INTEREST EXPENSE | ||
| Deposits | 5,996 | 2,160 |
| Short-term borrowings | 294 | 339 |
| Long-term borrowings | 2,910 | 2,882 |
| Total Interest Expense | 9,200 | 5,381 |
| Net Interest Income | 27,090 | 20,593 |
| Provision for credit losses | 5,968 | 223 |
| Reversal of provision for unfunded commitments | (480) | (151) |
| Net Interest Income after Provisions for (Reversal of) Credit Losses and Unfunded Commitments | 21,602 | 20,521 |
| NONINTEREST INCOME | ||
| Insurance commissions | 2,147 | 2,115 |
| Service charges on deposits | 1,094 | 991 |
| Wealth management | 1,060 | 962 |
| Gain from mortgage loans held for sale | 855 | 48 |
| ATM debit card charges | 831 | 819 |
| Earnings on investment in bank-owned life insurance | 580 | 477 |
| Gain on life insurance proceeds | 254 | — |
| Net gains on sales or calls of investment securities | — | 69 |
| Net gains (losses) on equity securities | 14 | (10) |
| Other | 349 | 196 |
| Total Noninterest Income | 7,184 | 5,667 |
| NONINTEREST EXPENSES | ||
| Salaries and employee benefits | 12,861 | 11,168 |
| Equipment | 2,280 | 1,729 |
| Net occupancy | 1,442 | 1,130 |
| Professional services | 577 | 616 |
| Other tax | 527 | 370 |
| FDIC and regulatory | 401 | 375 |
| Intangible assets amortization | 857 | 321 |
| Merger-related | 8,031 | — |
| Other | 2,359 | 1,953 |
| Total Noninterest Expenses | 29,335 | 17,662 |
| (Loss) Income Before Income Taxes | (549) | 8,526 |
| Income tax (benefit) expense | (277) | 1,758 |
| Net (Loss) Income | $(272) | $6,768 |
| PER SHARE DATA | ||
| Basic (loss) earnings | $(0.03) | $0.80 |
| Diluted (loss) earnings | $(0.03) | $0.80 |
| Weighted average shares basic | 9,806,299 | 8,493,104 |
| Weighted average shares diluted | 9,823,475 | 8,511,648 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.