Citizens Community Bancorp, Inc. · NASDAQ:CZWI

Citizens Community Bancorp — Shareholder Meeting (March 2015)

27 slides from Citizens Community Bancorp's shareholder meeting presentation, Mar 26, 2015

  1. Slide 1: Citizens Community Bancorp, Inc.

    Exhibit 99.1 Citizens Community Bancorp, Inc.

  2. Slide 2: Cautionary Note Regarding 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. and its wholly owned subsidiary, Citizens Community Federal N.A. Forward-looking statements

  3. Slide 3: Mission Statement

    Mission Statement Be an independent community bank known for integrity, providing high-quality financial services to our clients and promoting growth and stability in the communities we serve. The Freedom to Simply BankTM

  4. Slide 4: Overview

    Overview • Based in Eau Claire County, Wis., Citizens Community Federal N.A. serves more than 50,000 customers in Wisconsin, Minnesota and Michigan • 20 branches, including 11 locations in Walmart Supercenters • Key markets include: – Eau Claire/Rice Lake, Wis. MSA – Fox Valley Wisconsin MSA – Manka

  5. Slide 5: Focused Market Presence in Three States

    Focused Market Presence in Three States The Freedom to Simply BankTM

  6. Slide 6: Aligning Our Company for Growth

    Aligning Our Company for Growth • Building our core business through product enhancement and efficiency improvements • Expand our presence in attractive growth markets • Trim unproductive assets, “rightsizing” our branch network • Maintain balance sheet strength through high quality credit and under

  7. Slide 7: 5-Year CZWI Price Reflects Performance

    -40% -20% 0% 20% 40% 60% 80% 100% 120% CZWI NASDAQ Bank SNL U.S. Bank $500M-$1B 5-Year CZWI Price Reflects Performance The Freedom to Simply BankTM

  8. Slide 8: Accelerating Financial Trends

    Accelerating Financial Trends • Net Income • Interest Income • Margin and Cost of Funds • Loan and Deposit Expansion • Asset Quality The Freedom to Simply BankTM

  9. Slide 9: Net Income Demonstrates Focus on Profitability

    $193 $206 $1,047 $1,783 $0 $200 $400 $600 $800 $1,000 $1,200 $1,400 $1,600 $1,800 $2,000 FY2011 FY2012 FY2013 FY2014 (In $000) Net Income Demonstrates Focus on Profitability The Freedom to Simply BankTM

  10. Slide 10: Net Interest Income After Provision

    $14,987 $16,054 $16,120 $17,848 $13,000 $14,000 $15,000 $16,000 $17,000 $18,000 FY2011 FY2012 FY2013 FY2014 (In $000) Net Interest Income After Provision The Freedom to Simply BankTM

  11. Slide 11: Total Non-interest Income

    $2,528 $2,761 $3,296 $3,662 $0 $1,000 $2,000 $3,000 $4,000 FY2011 FY2012 FY2013 FY2014 (In $000) Total Non-interest Income (net of impairment and gain/loss on sale of AFS securities) The Freedom to Simply BankTM

  12. Slide 12: Cost of Funds / Net Interest Margin

    3.77% 3.94% 3.62% 3.61% 1.72% 1.39% 1.10% 0.85% 0.50% 1.50% 2.50% 3.50% 4.50% FY2011 FY2012 FY2013 FY2014 Net Interest Margin Cost of Funds Cost of Funds / Net Interest Margin The Freedom to Simply BankTM

  13. Slide 13: Total Deposits

    $448,973 $422,058 $447,398 $449,767 $400,000 $410,000 $420,000 $430,000 $440,000 $450,000 $460,000 FY2011 FY2012 FY2013 FY2014 (In $000) Total Deposits The Freedom to Simply BankTM

  14. Slide 14: Demand & Savings Account Growth

    Demand & Savings Account Growth $0 $15,000 $30,000 $45,000 $60,000 $75,000 FY2011 FY2012 FY2013 FY2014 The Freedom to Simply BankTM $51,310 $54,446 $62,260 $66,642 (In $000)

  15. Slide 15: Consistent Loan & Asset Growth

    Consistent Loan & Asset Growth $536,557 $530,183 $554,521 $569,815 $431,746 $427,789 $440,863 $470,366 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 FY2011 FY2012 FY2013 FY2014 Total Assets Total Loans Before Allowance for Loan Losses ("ALL") The Freedom to Simply BankTM (In $000s)

  16. Slide 16: Loan Portfolio Diversification

    Loan Portfolio Diversification $0 $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 FY2011 FY2012 FY2013 FY2014 Total Loans Before ALL Consumer Real Estate Consumer Non-Real Estate Commercial/Agricultural Loans The Freedom to Simply BankTM (In $000s)

  17. Slide 17: Balance Sheet Quality, Capital Position

    Balance Sheet Quality, Capital Position • Asset Quality • Credit Quality • Capital Strength The Freedom to Simply BankTM

  18. Slide 18: NPAs / Total Assets Ratio

    1.07% 0.95% 0.66% 0.46% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% FY2011 FY2012 FY2013 FY2014 NPAs / Total Assets Ratio The Freedom to Simply BankTM

  19. Slide 19: Nonaccrual and Nonperforming Loans

    $0 $1,000 $2,000 $3,000 $4,000 $5,000 FY2011 FY2012 FY2013 FY2014 (In $000) Nonaccrual Loans Nonperforming Loans Nonaccrual / Nonperforming Loans The Freedom to Simply BankTM

  20. Slide 20: Capital Ratios: Consistent Strength

    10.1% 10.2% 9.9% 10.0% 13.1% 14.1% 15.0% 14.9% 14.1% 15.4% 16.3% 16.1% 8% 9% 10% 11% 12% 13% 14% 15% 16% 17% FY2011 FY2012 FY2013 FY2014 Leverage Ratio Tier 1 Ratio Tot. Risked-Based Capital Ratio Capital Ratios: Consistent Strength The Freedom to Simply BankTM

  21. Slide 21: Delivering, Building Shareholder Value

    Delivering, Building Shareholder Value • Consistent Tangible Book Value • Stock Price Closing the Gap • Market and Investor Recognition • Investment Appeals • Looking Ahead: Growth Opportunities The Freedom to Simply BankTM

  22. Slide 22: Key Data at a Glance (FY2014)

    Key Data at a Glance (FY2014) • Net Income $1.78 million • EPS (diluted) $0.34 • ROAA 0.32% • ROAE 3.20% • Price at 9/30/14 $ 8.85 • Tangible Book Value $11.09 • Price/LTM EPS 26x • Price/Tangible Book 80% • Avg. Dil. Shares Out. 5,196,706 The Freedom to Simply BankTM

  23. Slide 23: Stock Price Closing the Gap to Tangible Book Value

    $4.43 $5.00 $5.90 $7.25 $8.85 $9.75 $10.30 $10.73 $10.51 $11.09 $0.00 $3.00 $6.00 $9.00 $12.00 FY2010 FY2011 FY2012 FY2013 FY2014 Year End Price Reported Tangible Book Value/Share Price/ TBV 48.5% Price/ TBV 55.0% Price/ TBV 69.0% Price/ TBV 79.8% Below-Book Value Investing Opportunity Remains; Stoc

  24. Slide 24: FY 2014 CZWI Stock Price: Outperforming Peers

    -5% 0% 5% 10% 15% 20% 25% CZWI NASDAQ Bank SNL U.S. Bank $500M-$1B FY 2014 CZWI Stock Price: Outperforming Peers The Freedom to Simply BankTM

  25. Slide 25: Investment Appeals

    Investment Appeals • Positioned for Profitable Growth in Our Market Footprint • Accelerating Commercial Banking Business • Diversified Income Stream • Focus on Productivity, Disciplined Expense Management • Proven Financial Performance • Annual Cash Dividend Initiated in 2013 and Increased in 2014 •

  26. Slide 26: Looking Ahead: Positioned for the Future

    Looking Ahead: Positioned for the Future • Organic Profitable Growth – Revenue Growth From Core Assets – Focus on Productivity – Historical Ability to Increase Loans while Diversifying Loan Portfolio • Actively Seeking Acquisitions – Strategic In-Market Opportunities – Strategic Contiguous Markets M

  27. Slide 27: Citizens Community Bancorp, Inc.

    Citizens Community Bancorp, Inc.

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