Civista Bancshares, Inc. · NASDAQ:CIVB
Civista Bancshares — First Citizens Banc — Shareholder Meeting (April 2015)
22 slides from Civista Bancshares's shareholder meeting presentation, Apr 22, 2015
Slide 1: First Citizens Banc Corp Annual Shareholder Meeting
First Citizens Banc Corp Annual Shareholder Meeting April 21, 2015 Exhibit 99.1
Slide 2: Cautionary Statement Regarding Forward-Looking Information
Cautionary Statement Regarding Forward-Looking Information Comments made in this presentation include “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are subject to numerous assumptions, risks and uncertainties. Alth
Slide 3: Company Overview
9 th Largest Publicly Traded Commercial Bank in Ohio Community Bank Operating in 11 Ohio Counties Commercial Banking Retail Banking Wealth Management Key Facts (as of 3/31/15) ($ millions) Assets $1,407.2 Loans $ 984.1 Deposits $1,197.3 Market Cap $ 86.4 Company Overview
Slide 4: Financial Highlights
December 31, 2014 December 31, 2013 Change Balance Sheet Assets $1,213,191,000 $1,167,546,000 3.91% Gross Loans $ 914,857,000 $ 861,241,000 6.23% Deposits $ 968,918,000 $ 942,475,000 2.81% Performance Net Income $ 9,528,000 $ 6,179,000 54.20% Return on Average Assets 0.77% 0.53% 45.28% Return on Ave
Slide 5: 2014 Company Successes
Completed the placement of $25,000,000 in preferred stock - strengthening the capital of the company Opening of Loan Production office in Mayfield Heights Agreement to acquire TCNB, Dayton, Ohio - growing the company $100,000,000 and opening a new market Recognition by SNL Securities for a 61% retur
Slide 6: Mayfield Heights Office
Mayfield Heights Office
Slide 7: Dayton Offices
Dayton Offices Huber Heights Springboro Pike Whipp Road
Slide 8: First Citizens Banc Corp Locations
Sandusky / Akron, Ohio $556 million in loans $590 million in deposits 11 branch locations #1 deposit market share in Sandusky, Ohio with ~ 43% market share North Central Ohio $101 million in loans $187million in deposits 7 branch locations ~40% deposit market share West Central Ohio $258 million in
Slide 9: Sandusky / Akron, North Central, West Central, Greater Dayton markets
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Slide 10: SNL Financial Recognition
Top Returning Bank Stock for Banks Under $100M in Capitalization 2014 Total Return of 61.15% SNL Financial Recognition
Slide 11: Stock Recovery from September 2011 Low
Stock Recovery from September 2011 Low
Slide 12: Company Rebranding
316 Citizens Banks in the country 16 Citizens in the State of Ohio Citizens/Champaign confusing Identity confusion on the internet Need to set ourselves apart from the others Company Rebranding
Slide 13: Company Rebranding: Bank Logo
Company Rebranding Bank Logo
Slide 14: Company Rebranding: Logo Extensions
Company Rebranding Logo Extensions
Slide 15: 2014 Operating Successes
Grew Loans by $53,600,000 Grew Deposits by $26,400,000 Grew Net Interest Income by $1,892,000 Grew Noninterest Income by $1,812,000 Reduced Noninterest Expense by $1,834,000 Reduced Non-Performing Assets from 2.2% to 1.6% of assets 2014 Operating Successes
Slide 16: Peer Leading Net Interest Margin
Peer Leading Net Interest Margin
Slide 17: Non-Interest Metrics and Initiatives
From AB Magazine, November © 2014 SourceMedia, Inc.. All rights reserved. Used by permission and protected by the Copyright Laws of the United States. The printing, copying, redistribution, or retransmission of this Content without expressed written permission is prohibited. *Civista Bank, formerly
Slide 18: Operating Results 2010-2014
For the Years Ended December 31, 2010 2011 2012 2013 2014 Operating Results ($s in thousands, except per share data) Net Interest Income $41,461 $41,361 $40,578 $39,974 $41,866 Provision for Loan Losses 17,940 9,800 6,400 1,100 1,500 Noninterest Income 9,154 9,971 11,200 12,062 13,874 Noninterest Ex
Slide 19: Our Strategy Remains Unchanged: Grow the Company
Grow to spread expenses over a larger base Cost of Regulation and Compliance Cost of Technology Grow to spread Risk Diversity of markets and customer base Grow to increase attractiveness of company Expand and diversify shareholder base Increase liquidity of stock Our Strategy Remains Unchanged Grow
Slide 20: Our Story to the Investment Community
Our Story to the Investment Community
Slide 21: Slide 21
Slide 22: Thank You
THANK YOU
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