Slide 1: Special Cautionary Notice Regarding Forward-Looking Statements
Special Cautionary Notice Regarding Forward-Looking Statements During the course of this presentation, there may be projections and forward-looking statements regarding events or the future financial performance of ACNB Corporation. We wish to caution you that these forward-looking statements involv
Slide 2: Loans & Deposits
Loans & Deposits At Year-End in Millions of Dollars
Slide 3: Earnings
Earnings At Year-End in Millions of Dollars 7.4 7.3 7.9 6.7 7.2 8.4 8.5 8.9 9.3 10.3 11.0 0.0 2.0 4.0 6.0 8.0 10.0 12.0 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Slide 4: Book Value Per Share
Book Value Per Share At Year-End in Dollars 12.32 12.90 14.21 14.18 14.90 15.81 16.39 16.98 17.83 18.29 18.99 0.00 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 18.00 20.00 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Slide 5: KBW Announces 2015 Bank Honor Roll Award Winners
KBW Announces 2015 Bank Honor Roll Award Winners 18 U.S. Banking Institutions Recognized for Exceptional 10-Year Track Record NEW YORK--(BUSINESS WIRE)--KBW, a full-service, boutique investment bank and broker-dealer that specializes in the financial services sector, and a wholly owned subsidiary of
Slide 6: David W. Cathell EVP/Treasurer & Chief Financial Officer
David W. Cathell EVP/Treasurer & Chief Financial Officer
Slide 7: Federal Deposit Insurance Corporation Improvement Act (FDICIA)
Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA) The Federal Deposit Insurance Corporation Improvement Act requires that institutions be classified, based on their risk-based capital ratios into one of five defined categories: well capitalized, adequately capitalized, undercapi
Slide 8: Regulation of Bank
Regulation of Bank The Pennsylvania Department of Banking and Securities, which has primary supervisory authority over banks chartered in Pennsylvania, regularly examines banks in such areas as reserves, loans, investments, management practices, and other aspects of operations. The FDIC is the prima
Slide 9: Balance Sheet Trends
Balance Sheet Trends At Year-End in Millions of Dollars
Slide 10: Net Income
Net Income At Year-End in Millions of Dollars
Slide 11: Net Interest Income
Net Interest Income At Year-End in Millions of Dollars
Slide 12: Stockholders' Equity
Stockholders’ Equity At Year-End in Millions of Dollars
Slide 13: Book Value Per Share
Book Value Per Share At Year-End in Dollars
Slide 14: Share Price vs. Tangible Book Value
Share Price vs. Tangible Book Value At Quarter-End in Dollars Per Share
Slide 15: Share Price vs. Tangible Book Value
re Price vs. gible Book Value At Quarter-End in Dollars Per Share 22.00 a) 20.89 18.00 17.48 16.00 14.00 +— —— - 12.00 +— — —— 10.00 r Ast Qtr 2015 2nd Qtr 2015 3rd Qtr 2015 4th Qtr 2015 mTangible Book Value m High Share Price
Slide 16: Total Return Performance
Total Return Performance Index Value
Slide 17: Total Loans
Total Loans At Year-End in Millions of Dollars
Slide 18: Allowance for Loan Losses
Allowance for Loan Losses At Year-End as Percentage of Total Loans
Slide 19: Non-Performing Loans
Non-Performing Loans At Year-End as Percentage of Total Loans
Slide 20: Other Real Estate Owned
Other Real Estate Owned At Year-End in Dollars
Slide 21: Net Loan Losses to Total Loans
Net Loan Losses to Total Loans At Year-End as Percentage of Total Loans
Slide 22: Total Deposits
Total Deposits At Year-End in Millions of Dollars
Slide 23: Introduced EMV Chip Cards and Rolled Out New Online Banking Platform
Introduced EMV Chip Cards and Rolled Out New Online Banking Platform EMV Chip Card Series
Slide 24: Chambersburg Drive-Up Office – Wayne Avenue
Chambersburg Drive-Up Office – Wayne Avenue
Slide 25: Lincoln Square/Operations Center/North Gettysburg
Lincoln Square/Operations Center/North Gettysburg
Slide 26: Lincoln Square/Operations Center/North Gettysburg
Lincoln Square/Operations Center/North Gettysburg
Slide 27: South Hanover Office
South Hanover Office i ih | PT These oe
Slide 28: Voted #1 In Hanover & Gettysburg
Voted #1 In Hanover & Gettysburg
Slide 29: Voted #1 In Hanover & Gettysburg
Voted #1 In Hanover & Gettysburg
Slide 30: Lynda L. Glass EVP/Secretary & Chief Governance Officer
Lynda L. Glass EVP/Secretary & Chief Governance Officer
Slide 31: Shareholder Profile
Shareholder Profile Number of Outstanding Shares at March 31
Slide 32: Registered Shareholders by Geography
Registered Shareholders by Geography Number of Registered Holders at March 31
Slide 33: Registered Shareholders by Share Ownership
Registered Shareholders by Share Ownership Number of Registered Holders at March 31
Slide 34: Dividend Reinvestment & Stock Purchase Plan
Dividend Reinvestment & Stock Purchase Plan Total Plan Investment at Year-End in Dollars
Slide 35: Karen B. Arthur FVP/Senior Trust Officer
Karen B. Arthur FVP/Senior Trust Officer
Slide 36: Trust Assets
Trust Assets At Year-End in Millions of Dollars
Slide 37: Trust Fee Income
Trust Fee Income At Year-End in Thousands of Dollars
Slide 38: Trust Fee Income by Segment
Trust Fee Income by Segment At Year-End in Thousands of Dollars
Slide 39: Trust & Investment Services Offering
Trust & Investment Services Offering NOT A DEPOSIT NOT FDIC-INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY THE BANK MAY GO DOWN IN VALUE $50,000 Minimum Investment Personalized Planning Local Expert Advice Daily Access As of December 31, 2015 92 Accounts $7.9 Million
Slide 40: ACNB Bank Trust & Investment Services
ACNB Bank Trust & Investment Services First Vice President/Senior Trust Officer Karen B. Arthur - Gettysburg Trust Officers Vice President Daniel K. Baer - Chambersburg Vice President Debra T. Little - Hanover/Gettysburg Vice President Christine R. Settle - Gettysburg Vice President/Trust Investment
Slide 41: Frank C. Russell, Jr. President & CEO
Frank C. Russell, Jr. President & CEO
Slide 42: Russell Insurance Group Net Income
Russell Insurance Group Net Income GAAP Basis at Year-End
Slide 43: Russell Insurance Group EPS
Russell Insurance Group EPS Earnings Per Share at Year-End
Slide 44: Russell Insurance Group Total Revenue
Russell Insurance Group Total Revenue At Year-End
Slide 45: Russell Insurance Group Total Revenue
Russell Insurance Group Total Revenue At Year-End $7,000,000 $6,000,000 $5,000,000 $4,000,000 $3,000,000 $2,000,000 $1,000,000 so 2005 2006 2007-2008 ~~«2009+~=«2010+~=«011=~S=«012~~—«013 «2014 +01
Slide 46: ACNB Corporation