Slide 1: Special Cautionary Notice Regarding Forward-Looking Statements
Special Cautionary Notice Regarding Forward-Looking Statements
Slide 2: David W. Cathell, EVP/Treasurer & Chief Financial Officer
David W. Cathell EVP/Treasurer & Chief Financial Officer
Slide 3: Federal Deposit Insurance Corporation Improvement Act of 1991 (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, undercap
Slide 4: FDICIA capital standards and ACNB Bank ratios
eral 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, undercapital
Slide 5: Balance Sheet Trends
Balance Sheet Trends At Year-End in Millions of Dollars
Slide 6: Net Income
Net Income At Year-End in Millions of Dollars
Slide 7: Net Interest Income
Net Interest Income At Year-End in Millions of Dollars
Slide 8: Stockholders' Equity
Stockholders’ Equity At Year-End in Millions of Dollars
Slide 9: Book Value Per Share
Book Value Per Share At Year-End in Dollars
Slide 10: Share Price vs. Tangible Book Value
Share Price vs. Tangible Book Value At Quarter-End in Dollars Per Share
Slide 11: Price vs. Tangible Book Value
Price vs. Tangible Book Value At Quarter-End in Dollars Per Share Ast Qtr 2016 2nd Qtr 2016 3rd Qtr 2016 4th Qtr 2016 mTangible Book Value m High Share Price
Slide 12: Trust Assets
Trust Assets At Year-End in Millions of Dollars
Slide 13: Trust Fee Income
Trust Fee Income At Year-End in Thousands of Dollars
Slide 14: Trust Fee Income by Segment
Trust Fee Income by Segment At Year-End in Thousands of Dollars
Slide 15: Russell Insurance Group Net Income
Russell Insurance Group Net Income GAAP Basis at Year-End
Slide 16: Russell Insurance Group EPS
Russell Insurance Group EPS Earnings Per Share at Year-End
Slide 17: Russell Insurance Group Total Revenue
Russell Insurance Group Total Revenue At Year-End
Slide 18: Russell Insurance Group Total Revenue
Russell In At Year-End $7,000,000 $6,000,000 $5,000,000 ‘$4,000,000 $3,000,000 +4 — $2,000,000 $1,000,000 so 2006 © 2007-«S «2008 «= 2009S 2010S 2011» 2012-2013 «2014 «S015 2016
Slide 19: Reflecting On Our History
Reflecting On Our History We are truly grateful for the determination of a small group of local farmers, mechanics, businessmen and professionals that boldly banded together to form The Farmers’ and Mechanics’ Savings Institution of Adams County on Lincoln Square in 1857. Celebrating 160 Years in 20
Slide 20: Our Organization Today
Largest independent financial institution headquartered in Adams County, PA Founded in 1857 22 Retail Offices and a LPO 14 in Adams County 6 in York County 2 in Franklin County 1 in Cumberland County $1.21 billion in total assets* $908 million in total loans* $968 million in total deposits* $195 mil
Slide 21: Market Overview
Ranked #1 in Adams County market area with deposit market share of 53.54%*. ACNB Bank has the #1 deposit market share in 6 out of 13 defined market areas*. Gettysburg Carroll Valley Upper Adams East Berlin McSherrystown Newville Strategically positioned in one of the fast growing regions along the E
Slide 22: Experienced Leadership
Experienced Leadership Name/Title Banking Experience Joined ACNB Bank Experience/Disciplines Prior Experience James P. Helt President & CEO Effective May 5, 2017 28 Years 2008 Strategy, Sales, Lending, Credit, Executive FB&T, Financial Trust, CMTY, SUSQ David W. Cathell EVP/Treasurer & CFO 39 Years
Slide 23: 2016 ACNB Bank Franchise: Lincoln Square Office
2016 ACNB Bank Franchise Completed interior renovations at the Lincoln Square Office. The Bank’s original historic site of founding in 1857.
Slide 24: 2016 ACNB Bank Franchise: Operations Center
2016 ACNB Bank Franchise Completed renovations for Executive Offices at the ACNB Corporation Operations Center. Now fully occupy this 56,040 sq. ft. facility completed in 2005 with ACNB Bank Staff. The ACNB Corporation Operations Center now houses: Executive Management & Finance Loan & Deposit Opera
Slide 25: 2016 ACNB Bank Franchise: South Hanover Office
2016 ACNB Bank Franchise Relocated South Hanover Office to 1801 Baltimore Pike to provide a more convenient banking experience for Hanover area residents and businesses. Located adjacent to the South Hanover Walmart and Sheetz.
Slide 26: 2016 ACNB Bank Franchise: South York Plaza Office
2016 ACNB Bank Franchise Retail banking network expanded in York County with the opening of the South York Plaza Office at 201 Pauline Drive. This office complements our existing York Loan Office located at 1601 South Queen Street.
Slide 27: Pending Acquisition: New Windsor Bancorp, Inc.
Pending Acquisition New Windsor Bancorp, Inc. Northern Maryland Community Banking Organization On November 21, 2016, ACNB Corporation (ACNB) and New Windsor Bancorp, Inc. (NWID) executed a definitive agreement whereby NWID will be merged with and into ACNB. ACNB Bank will operate in the Maryland mar
Slide 28: Pending Acquisition: ACNB Reasons for Merger
Pending Acquisition ACNB Reasons for Merger Similarity of the Northern Maryland market to existing ACNB market for efficiency of integration and continuity of current marketing strategies. The merger will not result in any immediate branch closures because the markets are tangential and not overlapp
Slide 29: Investment Comparisons
Investment Comparisons ACNB Corporation (ACNB) 2016 Total Assets $1.21B; Total Loans $908M; Total Deposits $968M New Windsor Bancorp, Inc. (NWID) 2016 Total Assets $308M; Total Loans $265M; Total Deposits $280M ACNB 2016 NWID 2016 ACNB 2015 NWID 2015 Net Income $10,869,000* $1,140,000** $11,017,000
Slide 30: Post Merger Profile
Post Merger Profile Total assets of $1.52 billion* Total deposits of $1.24 billion* Total loans of $1.17 billion* 29 retail banking offices in Pennsylvania and Maryland Franchise will include 4 counties in southcentral Pennsylvania and 1 contiguous county in northern Maryland – Carroll County Rank a
Slide 31: Our Vision
Our Vision Vision Statement To be the independent financial services provider of choice in the core markets served by building relationships and finding solutions. Strategic Focus Enhance revenue sources to deliver continued solid performance to our shareholders. Control operating expenses by utiliz
Slide 32: Vision Statement
Vision Statement ) ) To be the independent financial services provider of choice in the core markets served by building ACNB ACNB relationships and finding solutions. Corporation B A N K Strategic Focus v Enhance revenue sources to deliver continued solid performance to our See l N \¢ SB shareholder
Slide 33: ACNB Corporation
) ACNB Corporation SS