Citizens Community Bancorp, Inc. · NASDAQ:CZWI
Citizens Community Bancorp — Shareholder Meeting (February 2013)
17 slides from Citizens Community Bancorp's shareholder meeting presentation, Feb 21, 2013
Slide 1: Annual Shareholder's Meeting
Exhibit 99.1 Annual Shareholder's Meeting February 21, 2013, at 4:00pm Eau Claire Golf and Country Club
Slide 2: Welcome and Introduction
Welcome and Introduction * Edward H. Schaefer President and CEO * Mark Oldenberg Chief Financial Officer 2
Slide 3: Forward Looking Statements
Forward Looking Statements Cautionary Note Regarding Forward Looking Statements This presentation includes forward-looking statements about the financial condition, results of operations and business of Citizens Community Bancorp, Inc. Forward-looking statements can be identified by the fact that th
Slide 4: A Bank For the Future
A Bank For the Future Building On Our Strengths And Opportunities *Credit *Capital *Compliance *Creating Shareholder Value *Questions 4
Slide 5: Credit
CREDIT The Freedom to Simply Bank™ SSS _
Slide 6: Credit: Delinquency
Credit Delinquency December 2012 December 2011 December 2010 December 2009 91 Plus $3,246,358 $4,242,084 $7,219,179 $7,818,799 (without OREO and OCO) 0.77% 0.98% 1.60% 1.75% OREO $837,043 $723,666 $240,300 $561,550 OCO $195,068 $307,813 $278,977 $19,619 91 Plus $4,278,469 $5,273,563 $7,738,456 $8,39
Slide 7: 2012 Allowance for Loan Losses
Credit 2012 Allowance for Loan Losses Dec-12 Dec-11 Dec-10 Dec-09 Allowance for loan loss $ 5,820 $ 5,536 $ 4,412 $ 2,287 Allowance for loan losses to total loans 1.38% 1.29% 0.98% 0.51% Allowance for loan losses to net charge off 176.12% 153.44% 82.75% 143.66% Net charge offs to average loans 0.78%
Slide 8: Capital Management
CAPITAL MANAGEMENT The Freedom to Simply Bank™ qn SSS ee _
Slide 9: Strengthened Capital
Capital Management Strengthened Capital December 2012 December 2011 December 2010 December 2009 Actual Actual Actual Actual Amount Ratio Amount Ratio Amount Ratio Amount Ratio Total capital (to risk weighted assets) $ 57,589,000 15.6% $ 58,841,000 14.9% $ 57,119,000 11.0% $ 55,674,000 10.8% Tier 1 c
Slide 10: Reduced Balance Sheet Risk
Capital Management Reduced Balance Sheet Risk Dec-12 Dec-11 Dec-10 Dec-09 Non-agency mortgage-backed securities Amortized Cost 7,579 11,467 30,417 43,482 Fair Value 5,928 8,298 25,276 31,705 10
Slide 11: Compliance
COMPLIANCE The Freedom to Simply Bank™ ee SSE
Slide 12: Compliance and Audit
Compliance Compliance and Audit * Removal of MOU * Board Audit Committee Supporting The Compliance and Audit Initiatives, as Well as Providing Program Oversight * Effective Compliance and Audit Program Implementation * Hiring A Knowledgeable Compliance and Audit Team * Improving Internal Audit and M
Slide 13: Creating Shareholder Value
Creating Shareholder Value 13
Slide 14: Non-Interest Income Growth
Creating Shareholder Value Non-Interest Income Growth * Expand Secondary Market Lending Operation * Commercial Banking Introduction * Enhanced Depository Services 14
Slide 15: New Product Offerings - 2013
Creating Shareholder Value New Product Offerings - 2013 * Commercial Banking Services * Expanded Residential Mortgage Capabilities * New Depository Products 15
Slide 16: Capital Deployment - 2013
Creating Shareholder Value Capital Deployment - 2013 * Branch Network * Profitable Balance Sheet Growth * Board and Executive Management Continue to Review All Options 16
Slide 17: Questions?
Questions? Deas The Freedom to Simply Bank™ 17
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