Citizens Financial Services, Inc. · NASDAQ:CZFS
Citizens Financial Services — Shareholder Meeting (April 2019)
42 slides from Citizens Financial Services's shareholder meeting presentation, Apr 18, 2019
Slide 1: Citizens Financial Services, Inc. Annual Meeting 2019
Citizens Financial Services, Inc. Annual Meeting2019
Slide 2: Agenda Recap: 2018 Accomplishments
Agenda Recap:2018 Accomplishments
Slide 3: Agenda Recap: 2018 Accomplishments, Financial Performance
Agenda Recap:2018 AccomplishmentsFinancial Performance
Slide 4: Agenda Recap: 2018 Accomplishments, Financial Performance
Agenda Recap:2018 AccomplishmentsFinancial PerformanceWhat is on the Horizon
Slide 5: 2018 Accomplishments: Voted #1 Bank in PA
2018 Accomplishments Voted #1 Bank in PA
Slide 6: 2018 Accomplishments: Opened a branch in Fivepointville, PA
2018 Accomplishments Voted #1 Bank in PAOpened abranch in Fivepointville, PA
Slide 7: 2018 Accomplishments: Cash management initiative
2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiative
Slide 8: 2018 Accomplishments: More efficient loan platform
2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platform
Slide 9: 2018 Accomplishments: Implemented iPay
2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPay
Slide 10: 2018 Accomplishments: Implemented Fifth Pillar
2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPayImplemented Fifth Pillar
Slide 11: 2018 Accomplishments: Refined processes and procedures
2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPayImplemented Fifth PillarRefined processes and procedures
Slide 12: 2018 Accomplishments: Top 100 Ag Lenders
2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPayImplemented Fifth PillarRefined processes and proceduresNamed as one of the top 100 Ag Lenders
Slide 13: 2018 Financial Performance
Es TEAM FCCB 2018 Financial Performance
Slide 14: Efficiency Ratio History
Efficiency Ratio History-FCCB Finished in the 100th percentile compared to the CZFS peer group
Slide 15: Return on Equity History
Return on Equity History Finished in the 87th percentile compared to the CZFS peer group
Slide 16: Return on Assets History
Return on Assets History Finished in the 87th percentile compared to the CZFS peer group
Slide 17: Cash Dividends Paid History
Cash Dividends Paid History 1% stock dividend paid in 2014, 2016 & 2018, and a 5% stock dividend paid in 2017
Slide 18: Total Return / Stock Chart
Total Retuen (6) Citizens Financial Services, Inc. | STOCK CHART OTC PINK:CZFS (MI KEY: 100691; SPCIQ KEY: 392343) wo 20 220 120 ° -100 1006 otitis rere SE rv emrer| CROC OMT Cae | Bd DRY emery, Baer e eee zoos 2000 2007=S«sntoeS=SsnousS=S0NSn01tzotz=sm0tS ONS 2OK]SC20N7Sat OH — orc Pinkiczrs: 445.9
Slide 19: Strategic Tenets
20 4 Strategic Tenets Community – actively supporting the well-being of communities Customer Expectations – exceeding them at every point of contact Financial Performance – to produce exceptional shareholder value Growth – achieved throughrelationship and geographic expansion
Slide 20: Strategies for 2019: Market Segmentation for Growth
What is on the Horizon Strategies for 2019:Market Segmentation for Growth
Slide 21: Strategies for 2019: Enhanced Employee Experience
What is on the Horizon Strategies for 2019:Market Segmentation for GrowthEnhanced Employee Experience
Slide 22: Strategies for 2019: Infrastructure and Support
What is on the Horizon Strategies for 2019:Market Segmentation for GrowthEnhanced Employee ExperienceInfrastructure and Support
Slide 23: Strategies for 2019: Customer Experience and Brand
What is on the Horizon Strategies for 2019:Market Segmentation for GrowthEnhanced Employee ExperienceInfrastructure and SupportCustomer Experience and Brand
Slide 24: Strategies for 2019: Financial Future
What is on the Horizon Strategies for 2019:Market Segmentation for GrowthEnhanced Employee ExperienceInfrastructure and SupportCustomer Experience and BrandFinancial Future
Slide 25: Employee Experience
What is on the Horizon Employee Experience:
Slide 26: Employee Experience: Onboarding
What is on the Horizon Employee Experience:Onboarding
Slide 27: Employee Experience: Career Pathing & Advancement
What is on the Horizon Employee Experience:OnboardingCareer Pathing & Advancement
Slide 28: Employee Experience: Coaching Culture
What is on the Horizon Employee Experience:OnboardingCareer Pathing & AdvancementCoaching Culture
Slide 29: Employee Experience: HRIS
What is on the Horizon Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRIS
Slide 30: Employee Experience: Organizational Values
What is on the Horizon Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRISOrganizational Values
Slide 31: Employee Experience: In-House Talent / Next Generation TEAM
What is on the Horizon Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRISOrganizational ValuesIn-House Talent / Next Generation TEAM
Slide 32: Employee Experience: Hire to Retire
What is on the Horizon Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRISOrganizational ValuesIn-House Talent / Next Generation TEAMHire to Retire
Slide 33: Customer Experience
What is on the Horizon Customer Experience:
Slide 34: Customer Experience: Standardizing Cut-Off Time
What is on the Horizon Customer Experience:Standardizing Cut-Off Time
Slide 35: Customer Experience: Improve Account Opening Experience
What is on the Horizon Customer Experience:Standardizing Cut-Off TimeImprove Account Opening Experience
Slide 36: Customer Experience: Online Account Opening
What is on the Horizon Customer Experience:Standardizing Cut-Off TimeImprove Account Opening ExperienceOnline Account Opening
Slide 37: Customer Experience: Online Mortgage Pre-Approvals
What is on the Horizon Customer Experience:Standardizing Cut-Off TimeImprove Account Opening ExperienceOnline Account OpeningOnline Mortgage Pre-Approvals
Slide 38: Customer Experience: Mobile Mortgage Applications
What is on the Horizon Customer Experience:Standardizing Cut-Off TimeImprove Account Opening ExperienceOnline Account OpeningOnline Mortgage Pre-ApprovalsMobile Mortgage Applications
Slide 39: Retiring TEAM Members: Phil Vaughn
Retiring TEAM Members Phil Vaughn – 28 Years of Service
Slide 40: Retiring TEAM Members: Terry Osborne
Retiring TEAM Members Terry Osborne – 44 Years of Service
Slide 41: Retiring TEAM Members: Rudy van der Hiel
Retiring TEAM Members Rudy van der Hiel – 44 Years of Service
Slide 42: Thank you
Thank you TEAM FCCB
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