Acnb Corporation · NASDAQ:ACNB
Acnb — Shareholder Meeting (May 2015)
59 slides from Acnb's shareholder meeting presentation, May 7, 2015
Slide 1: Annual Meeting of Shareholders May 5, 2015
Annual Meeting of Shareholders May 5, 2015
Slide 2: Special Cautionary Notice Regarding Forward-Looking Statements
This image cannot currently be displayed. 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 th
Slide 3: Bank Failures
Bank Failures Source: FDIC Banking Profile
Slide 4: Number of FDIC Insured Institutions
Number of FDIC Insured Institutions Source: FDIC Banking Profile
Slide 5: Net Income At Year-End in Millions of Dollars
Net Income At Year-End in Millions of Dollars
Slide 6: KBW Announces 2014 Bank Honor Roll Award Winners
KBW Announces 2014 Bank Honor Roll Award Winners Published Apr 13,2015 9:00a.m Et 25 U.S. Banking Institutions Recognized Exceptional 10-rear Track Record NE\V YORK. Apr 13. 2015 (BUSINESS) -KBW a full-service. boutique investment bank and broker-dealer that specializes in the financial senrvices se
Slide 7: David W. Cathell, EVP, Treasurer & Chief Financial Officer
David W. Cathell EVP, Treasurer & Chief Financial Officer
Slide 8: 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 9: 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 10: Balance Sheet Trends
Balance Sheet Trends At Year-End in Millions of Dollars
Slide 11: Net Income
Net Income At Year-End in Millions of Dollars
Slide 12: Net Interest Income
Net Interest Income At Year-End in Millions of Dollars
Slide 13: Stockholders' Equity
Stockholders’ Equity At Year-End in Millions of Dollars
Slide 14: Book Value Per Share
Book Value Per Share At Year-End in Dollars
Slide 15: Share Price vs. Tangible Book Value
Share Price vs. Tangible Book Value
Slide 16: Total Return Performance
Total Return Performance
Slide 17: James P. Helt, EVP/Banking Services
James P. Helt EVP/Banking Services
Slide 18: Total Loans
Total Loans At Year-End in Millions of Dollars
Slide 19: Loan Volume by Segment
Loan Volume by Segment At Year-End in Millions of Dollars
Slide 20: Allowance for Loan Losses
Allowance for Loan Losses At Year-End as Percentage of Total Loans
Slide 21: Non-Performing Loans
Non-Performing Loans At Year-End as Percentage of Total Loans
Slide 22: Other Real Estate Owned
Other Real Estate Owned At Period-End in Dollars
Slide 23: Net Loan Losses to Total Loans
Net Loan Losses to Total Loans At Year-End as Percentage of Total Loans
Slide 24: Total Deposits
Total Deposits At Year-End in Millions of Dollars
Slide 25: Deposit Volume by Segment
Deposit Volume by Segment At Year-End in Millions of Dollars
Slide 26: Chambersburg Office – Norland Avenue
Chambersburg Office – Norland Avenue
Slide 27: Chambersburg Office – Norland Avenue
Chambersburg Office – Norland Avenue
Slide 28: Chambersburg Office – Norland Avenue
Chambersburg Office – Norland Avenue
Slide 29: Chambersburg Office – Norland Avenue
Chambersburg Office – Norland Avenue
Slide 30: Chambersburg Office – Norland Avenue
Chambersburg Office – Norland Avenue
Slide 31: Chambersburg Office – Wayne Avenue
Chambersburg Office – Wayne Avenue
Slide 32: York Loan Office
York Loan Office = ———— ACNB BANK York Loan Office
Slide 33: Rite Aid ATM Network
Rite Aid ATM Network We’ve expanded our ATm network Over 600 ATM machines available in PA & MD Rite Aids.
Slide 34: ACNB Bank Footprint
ACNB Bank Footprint
Slide 35: Lynda L. Glass, EVP, Secretary & Chief Governance Officer
Lynda L. Glass EVP, Secretary & Chief Governance Officer
Slide 36: Bank Risk Management
Bank Risk Management • Credit Risk • Interest Rate and Market Risk • Liquidity Risk • Transaction and Operational Risk • Legal and Compliance Risk • Strategic Risk • Reputation Risk
Slide 37: Transaction & Operational Risk Focus
Transaction & Operational Risk Focus • Electronic Payment Systems • Online and Mobile Banking • Cybersecurity • Information Security • Third-Party Breaches
Slide 38: ACNB Bank Responses
ACNB Bank Responses • Internal Systems and Network Protocols and Testing • Risk and Fraud Analytics with Anomaly Detection • Multifactor Authentication • EMV-Enabled Debit Card Reissuance • Customer Communications and Education • Employee Communications and Education • Engaged Information Systems an
Slide 39: ACNB Bank Online Security Center
ACNB Bank Online Security Center
Slide 40: Online & Mobile Banking Security
Online & Mobile Banking Security • Use Strong, Unique Passwords for All Devices and Logins • Use Multifactor Authentication for Online Banking and Transactions • Update Devices with Latest Security and Antivirus Releases • Secure Wireless Networks • Dispose of Devices Properly • Do Not Open Emails o
Slide 41: ATM & Debit Card Security
ATM & Debit Card Security • Observe Surroundings at ATM • Watch for Fraudulent Devices Attached to ATM • Block View of Others When Entering PIN • Treat and Secure Card as if Cash • Do Not Write PIN on Card or Keep PIN with Card • Review Account Activity • Report Lost or Stolen Card Immediately
Slide 42: Shareholder Profile
Shareholder Profile Number of Outstanding Shares at March 31
Slide 43: Registered Shareholders by Geography
Registered Shareholders by Geography Number of Registered Holders at March 31
Slide 44: Registered Shareholders by Share Ownership
Registered Shareholders by Share Ownership Number of Registered Holders at March 31
Slide 45: Dividend Reinvestment & Stock Purchase Plan
Dividend Reinvestment & Stock Purchase Plan Total Plan Investment at Year-End in Dollars
Slide 46: 2015 Registered Shareholder Voting Method
2015 Registered Shareholder Voting Method As of May 1: • Vote by Proxy Card – 86% • Vote by Internet – 7% • Vote by Telephone – 7%
Slide 47: ACNB Bank Website
www.acnb.com ACNB Bank Website
Slide 48: ACNB Corporation Website Pages
www.acnb.com ACNB Corporation Website Pages
Slide 49: Karen B. Arthur, FVP & Senior Trust Officer
Karen B. Arthur FVP & Senior Trust Officer
Slide 50: Trust Assets
Trust Assets At Year-End in Millions of Dollars
Slide 51: Trust Fee Income
Trust Fee Income At Year-End in Thousands of Dollars
Slide 52: Trust Fee Income by Segment
Trust Fee Income by Segment At Year-End in Thousands of Dollars
Slide 53: 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
Slide 54: 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 • Opened 42 Accounts in 2014 • New Business of $3.4 Million • 1% Annual Fee • Client Niche
Slide 55: Frank C. Russell, Jr., President & CEO
Frank C. Russell, Jr. President & CEO
Slide 56: Russell Insurance Group Net Income
Russell Insurance Group Net Income GAAP Basis at Year-End
Slide 57: Russell Insurance Group EPS
Russell Insurance Group EPS Earnings Per Share at Year-End
Slide 58: Russell Insurance Group Total Revenue
Russell Insurance Group Total Revenue in Thousands of Dollars
Slide 59: [LOGO]
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