ACNB Corporation (ACNB)

ACNB Corporation Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	89.84	80.84	70.25	71.19	78.97	63.65
Interest Income on Investments	15.53	15.8	16.8	6.97	6.32	5.91
Total Interest Income	105.37	96.64	87.05	78.16	85.29	69.56
Interest Paid on Deposits	9.72	3.7	2.56	5.01	10.32	8.13
Interest Paid on Borrowings	11.65	4.63	1.06	1.9	1.9	2.01
Total Interest Expense	21.38	8.32	3.62	6.92	12.22	10.14
Net Interest Income	83.99	88.32	83.43	71.24	73.07	59.42
Net Interest Income Growth (YoY)	-7.57%	5.87%	17.10%	-2.50%	22.97%	4.07%
Trust Income	4.09	3.64	3.16	3.17	2.67	2.47
Gain (Loss) on Sale of Assets	-	0.34	-	-	-	-
Gain (Loss) on Sale of Investments	-4.37	-5.22	-0.11	0.44	-0.19	0.27
Other Non-Interest Income	15.89	15.67	14.21	12.27	11.93	10.83
Total Non-Interest Income	19.9	18.45	21.81	22.78	20.09	18.17
Non-Interest Income Growth (YoY)	-13.11%	-15.42%	-4.25%	13.37%	10.57%	14.30%
Revenues Before Loan Losses	103.89	106.77	105.23	94.02	93.16	77.59
Provision for Loan Losses	-2.51	0.84	-	0.05	9.14	0.6
Revenue	106.4	105.92	105.23	93.97	84.02	76.99
Revenue Growth (YoY)	-6.23%	0.65%	11.98%	11.85%	9.13%	7.87%
Salaries and Employee Benefits	42.18	39.93	35.25	36.45	34.76	28.3
Occupancy Expenses	3.99	3.91	4.08	3.15	2.66	2.21
Federal Deposit Insurance	1.54	1.39	1.13	0.96	0.62	0.44
Amortization of Goodwill & Intangibles	1.29	1.42	1.49	1.16	1.26	0.62
Selling, General & Administrative	11.22	11.26	10.55	9.81	9.71	8.64
Other Non-Interest Expense	8.07	8.17	7.79	7.41	6.35	6.04
Total Non-Interest Expense	68.31	66.07	60.28	58.95	55.35	46.26
EBT Excluding Unusual Items	38.09	39.85	44.95	35.02	28.67	30.73
Other Unusual Items	-	-	-	-	-	-0.59
Pretax Income	36.93	39.85	44.95	35.02	22.7	29.37
Income Tax Expense	7.58	8.16	9.2	7.19	4.31	5.65
Net Income	29.35	31.69	35.75	27.83	18.39	23.72
Net Income to Common	29.35	31.69	35.75	27.83	18.39	23.72
Net Income Growth	-22.34%	-11.37%	28.45%	51.32%	-22.46%	9.07%
Basic Shares Outstanding	8	9	9	9	9	7
Diluted Shares Outstanding	9	9	9	9	9	7
Shares Change (YoY)	-0.12%	-1.01%	-1.05%	0.88%	22.33%	0.37%
EPS (Basic)	3.45	3.72	4.15	3.19	2.13	3.36
EPS (Diluted)	3.44	3.71	4.15	3.19	2.13	3.36
EPS Growth	-22.41%	-10.52%	29.82%	50.00%	-36.61%	8.68%
Dividend Per Share	1.240	1.140	1.060	1.010	1.000	0.980
Dividend Growth	10.71%	7.55%	4.95%	1.00%	2.04%	10.11%
Effective Tax Rate	20.53%	20.48%	20.46%	20.52%	18.98%	19.22%

Source: S&P Capital IQ. Banks template. Financial Sources.