Civista Bancshares, Inc. · NASDAQ:CIVB
Civista Bancshares — Shareholder Meeting (April 2018)
30 slides from Civista Bancshares's shareholder meeting presentation, Apr 17, 2018
Slide 1: 2017 Shareholder Presentation
2017 Shareholder Presentation James O. MillerChairman Dennis G. ShafferChief Executive Officer & President NASDQ: CIVB Exhibit 99.1
Slide 2: Forward-looking statements
This material and any oral presentation that may accompany it contain, and future oral and written statements of the Company and its management may contain, forward-looking statements, within the meaning of such term in the Private Securities Litigation Reform Act of 1995, Section 27A of the Securit
Slide 3: Contact Information
CONTACT INFORMATION Civista Bancshares, Inc.’s common shares are traded on the NASDAQ Capital Market under the symbol ‘CIVB.’ The Company’s depository shares, each representing 1/40th ownership interest in a Series B Preferred Share, are traded on the NASDAQ Capital Market under the symbol ‘CIVBP.’
Slide 4: Overview
OVERVIEW CORPORATE OVERVIEW 2017 STRATEGIC & FINANCIAL PERFORMANCE HIGHLIGHTS STOCK PERFORMANCE STRATEGIC PRIORITIES TECHNOLOGY & INNOVATION COMMUNITY & EMPLOYEE INVESTMENT UNITED COMMUNITY BANCORP ACQUISITION 4
Slide 5: Corporate Overview
CORPORATE OVERVIEW Bank founded in 1884 10th largest publicly traded commercial bank headquartered in Ohio Full-service banking organization with diversified revenue streams Commercial Banking Retail Banking Wealth Management Private Banking Mortgage Banking Tax Refund Processing Community Banking F
Slide 6: Corporate Overview
CORPORATE OVERVIEW Operations in 12 Ohio counties 27 Branches & 2 Loan Production Offices Approximately 370 employees In 4 of the 5 largest Ohio MSAs Experienced executive management team average 26 years each in banking Franchise poised for acquisitions and organic growth 6
Slide 7: 2017 Strategic Highlights
2017 STRATEGIC HIGHLIGHTS Opened a second loan production office Completed a $32.8 million capital offering Originated several innovation initiatives to enhance the customer experience Commercial Lending Team – Mayfield & Westlake February 2017 7
Slide 8: Civista 2017 Financial Highlights
CIVISTA 2017 FINANCIAL HIGHLIGHTS Financial Highlights ‘$s in thousands, except per share data) December 31, 2017 December 31, 2016 Balance Sheet Assets $1,525,857 $1,377,263 10.79% Gross Loans 1,164,661 1,055,506 10.34% Deposits 1,204,923 1,121,103 748% Performance Analysis Net Income Available to
Slide 9: Stock Performance
STOCK PERFORMANCE 114% Stock Price Increase Dec ‘14 vs Dec ‘17 Increased stock liquidity 8,107 shares/day – Dec ‘14 41,860 shares/day – Dec ‘17 9
Slide 10: Strategic Priorities: Grow the Bank
STRATEGIC PRIORITIES Grow the Bank Infrastructure in place to support larger company Increased scalability leads to diversified revenue stream Larger lending limits allows opportunity to expand relationships Total Assets $ in 000s 10
Slide 11: Strategic Priorities: Disciplined Business Model
STRATEGIC PRIORITIES Continue our disciplined business model Gather deposits in rural communities Serve credit needs of those communities Lend excess deposits in more robust urban markets Total Gross Loans $ in 000s 11
Slide 12: Strategic Priorities: Civista Customer Experience
STRATEGIC PRIORITIES Differentiate by the Civista Customer Experience Easy to do business; reduced ‘red tape’ Offer valued solutions and convenience tailored to each customer Genuinely interested in customer’s financial well-being Empowered and relationship-driven employees experienced and well-conn
Slide 13: Mission Statement
MISSION STATEMENT To be the community’s trusted financial advisor and to serve all their financial needs by developing generations of life-long relationships built on trust, expertise and exceptional service. 13
Slide 14: Commitment to Shareholders
COMMITMENT TO SHAREHOLDERS To provide long term value through growth and profitability. 14
Slide 15: Technology & Innovation: Mobile
TECHNOLOGY & INNOVATION Convenience and Security Initiatives Ongoing Mobile App Updates Mobile Deposit Biometric Login – both fingerprint and Face ID Ability to suspend and activate your debit card instantly from your phone Bill Pay and Pay a Person 15
Slide 16: Technology & Innovation: Debit Card Payments
TECHNOLOGY & INNOVATION Convenience and Security Initiatives Debit Card Payment Enhancements EMV Chip Cards Civista FraudEYE: suspicious activity alerts Instant Issue of cards in branches Digital Wallet compatibility for mobile payments 16
Slide 17: Technology & Innovation: Branch Anywhere
TECHNOLOGY & INNOVATION Convenience and Security Initiatives Branch Anywhere eSign civista.bank Xperience Commercial Loan Documentation 17
Slide 18: Our People and Our Communities
OUR PEOPLE AND OUR COMMUNITITES Investing in the communities we serve School Supply Collections Food Drives 18
Slide 19: Community Volunteers
OUR PEOPLE AND OUR COMMUNITITES Community Volunteers 19
Slide 20: Volunteer Day 2017
Volunteer Day 2017 3p ¥ f Weve Tae y i
Slide 21: United Way Tricycle Race
United Way Tricycle Race $127,000 23 Community Funds United Way of Erie County Pacesetter OUR PEOPLE AND OUR COMMUNITITES 2017 Annual Community Campaign 21
Slide 22: Our employees are our greatest asset
OUR PEOPLE AND OUR COMMUNITITES Our employees are our greatest asset 22
Slide 23: UCB Profile
UCB Profile Lawrenceburg, IN $546 million total assets – 12/31/17 9 Locations 8 Branches 1 LPO Walnut Street Lawrenceburg 23
Slide 24: UCB Profile
UCB Profile Stateline Rd Lawrenceburg West Eads Parkway Lawrenceburg 24
Slide 25: UCB Profile
DC clvista UCB Profile Aurora
Slide 26: UCB Profile
UCB Profile St. Leon Osgood 26
Slide 27: UCB Profile
UCB Profile Northern Kentucky LPO Versailles 27
Slide 28: Civista & UCB Combined Footprint
Civista & UCB Combined Footprint $2.14 Billion Approx. 460 employees 38 Locations 35 Branches 3 LPOs 28
Slide 29: Deposit Profile and UCB Advantages
Deposit Profile 40% transactional, low-cost Loan to deposit ratio Pro forma loan to deposit ratio moves from 97% to 87% post acquisition Preserve strong net interest margin CRE/RBC ratio Resets ratio from 324% to 223% Cincinnati MSA Now operate in the 5 largest MSAs in the State Like-minded Culture
Slide 30: Thank You
THANK YOU
Civista Bancshares — Shareholder Meeting (April 2018) on 6ix