 CONSUMERS BANCORP, INC. CONSUMERS BANCORP, INC. ANNUAL SHAREHOLDER MEETING ANNUAL SHAREHOLDER MEETING OCTOBER 15, 2008 OCTOBER 15, 2008 Exhibit 99.1 |
 Forward Looking Statements Forward Looking Statements This presentation may include forward-looking statements This presentation may include forward-looking statements for purposes of the safe harbor provisions of the Private for purposes of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Such forward- Securities Litigation Reform Act of 1995. Such forward- looking statements are based upon specific assumptions looking statements are based upon specific assumptions and are subject to uncertainties and factors relating to the and are subject to uncertainties and factors relating to the company’s operations and business environment, all of company’s operations and business environment, all of which are difficult to predict and many of which are beyond which are difficult to predict and many of which are beyond the control of the company. These uncertainties and factors the control of the company. These uncertainties and factors could cause actual results of the company to differ could cause actual results of the company to differ materially from those expressed or implied in the forward materially from those expressed or implied in the forward looking statements contained in the foregoing discussion. looking statements contained in the foregoing discussion. A more complete disclosure about forward-looking A more complete disclosure about forward-looking statements can be found in our most recent annual report statements can be found in our most recent annual report on Form 10-K and quarterly report on Form 10-Q. The on Form 10-K and quarterly report on Form 10-Q. The company undertakes no obligation to update any forward- company undertakes no obligation to update any forward- looking statements as a result of future developments or looking statements as a result of future developments or new information. new information. |
 2008 FINANCIAL 2008 FINANCIAL PERFORMANCE PERFORMANCE |
 Five-Year Asset – Loan Growth (1) 15% (31.1 MM) increase in assets 7.7% ($10.9MM) increase in loan portfolio 11.3% ($19.2MM) increase in deposits 2008 deposit market share % increased in seven of ten markets (2) (1) Consumers Bancorp, Inc. Form 10-K (June 2008) (2) FDIC Summary of Deposits (June 2007, 2008) $100,000 $120,000 $140,000 $160,000 $180,000 $200,000 $220,000 $240,000 2004 2005 2006 2007 2008 Assets Loans Deposits |
 Checking Account Balance Trend (1) $51,028 $52,052 $52,256 $57,780 $46,000 $48,000 $50,000 $52,000 $54,000 $56,000 $58,000 2005 2006 2007 2008 Checking Accounts $5.5 MM (10.5%) growth in 2008. Strong DDA / NOW funding (25% of assets) is key to the bank’s margin performance Supports noninterest income growth (1) Consumers Bancorp, Inc. Form 10-K (June 2008) |
 ROE & ROA Trend (1) 1.13% 1.03% 0.59% 0.63% 0.82% 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 2004 2006 2008 ROA (1) Consumers Bancorp, Inc. Form 10-K (June 2008) 11.65% 10.24% 6.08% 6.43% 9.09% 0.00% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00% 2004 2005 2006 20072008 ROE |
 Earning & Dividends Per Share (1) (1) Consumers Bancorp, Inc. Form 10-K (June 2008) 0.97 0.91 0.55 0.6 0.88 $0.00 $0.10 $0.20 $0.30 $0.40 $0.50 $0.60 $0.70 $0.80 $0.90 $1.00 2004 2006 2008 Earnings / Share 0.34 0.36 0.32 0.26 0.34 $0.00 $0.05 $0.10 $0.15 $0.20 $0.25 $0.30 $0.35 $0.40 2004 2006 2008 Dividends / Share |
 Equity (1) At June 30, 2008: Bank exceeded well-capitalized level by $4.6 MM Tier 1 to Tier 1 to Avg. Avg. Assets Assets Tier 1 to Tier 1 to RWA RWA Capital to Capital to RWA RWA Minimum Required to be well -capitalized Actual Actual 6/30/08 6/30/08 5.0% 5.0% $11.3 $11.3 7.7% 7.7% $17.5 $17.5 6.0% 6.0% $10.0 $10.0 10.5% 10.5% $17.5 $17.5 10.0% 10.0% $16.6 $16.6 12.7% 12.7% $21.2 $21.2 Ratio Ratio $ $ Ratio Ratio $ $ (1) Consumers Bancorp, Inc. Form 10-K (June 2008) $17,000 $17,500 $18,000 $18,500 $19,000 $19,500 $20,000 2004 2006 2008 Equity |
 THE PRESENT THE PRESENT |
 The Environment The Environment IndyMac IndyMac WaMu WaMu Wachovia Wachovia Government Bailouts Government Bailouts Lehman Brothers Lehman Brothers Mortgage Crisis Mortgage Crisis Credit Crisis Credit Crisis Bear Stearns Bear Stearns Fannie Mae Fannie Mae Freddie Mac Freddie Mac DJIA Below 8,000 DJIA Below 8,000 Slashed Dividends Slashed Dividends Uncertainty Uncertainty Fear Fear |
 The Effect The Effect Funds are moving from the market to insured Funds are moving from the market to insured deposit accounts--increased insurance coverage deposit accounts--increased insurance coverage to $250,000 per depositor is contributing to this to $250,000 per depositor is contributing to this flow of funds flow of funds We monitor deposit movement and remain We monitor deposit movement and remain relatively liquid to enable rapid response relatively liquid to enable rapid response We are counseling customers on their options We are counseling customers on their options We are stressing the local community bank We are stressing the local community bank difference—we are the solution; not the problem difference—we are the solution; not the problem We continue We continue to lend to credit-worthy borrowers to lend to credit-worthy borrowers |
 THE FUTURE THE FUTURE PEOPLE PEOPLE TECHNOLOGY TECHNOLOGY COMMUNITY COMMUNITY |
 Because people make the difference we Because people make the difference we have invested in: have invested in: Full-time manager in East Full-time manager in East Canton branch Canton branch Full-time manager in Full-time manager in Louisville branch Louisville branch Additional business Additional business development officer in development officer in east markets east markets Business development Business development officer in Alliance market officer in Alliance market New business New business development officer in development officer in south markets south markets Additional portfolio Additional portfolio manager in west market manager in west market Portfolio Assistant for Portfolio Assistant for central and east markets central and east markets Full time Director of Full time Director of Marketing Marketing The Goal: Increase Exposure Increase Accessibility Increase Customer Service |
 e-Courier Deposit e-Courier Deposit Customers make Customers make deposits electronically deposits electronically from their business from their business location location Expand Consumers’ Expand Consumers’ market reach beyond market reach beyond the existing branch the existing branch network network Deepen relationships Deepen relationships with geographically with geographically diverse loan customers diverse loan customers Expand deposit base Expand deposit base with minimal capital with minimal capital investment investment |
 e-Courier Deposit e-Courier Deposit Financial Insights projects Financial Insights projects that by 2011 25% of all that by 2011 25% of all businesses will use remote businesses will use remote deposit capture on a regular deposit capture on a regular basis (1). basis (1). There are 19,832 businesses There are 19,832 businesses in our three county market: in our three county market: Carroll (1,023); Columbiana Carroll (1,023); Columbiana (4,860) and Stark (13,949) (4,860) and Stark (13,949) (2). (2). (1) Bank Technology News (9/2007) (2) BancIntelligence (10/2008) |
 CNB MOBILE CONNECT -- BANK ANYWHERE, ANYTIME |
 Mobile Connect—We are ready Mobile Connect—We are ready Celent’s report on mobile banking indicates that 35% of U.S. households will access their banking accounts using mobile phones by 2010 |
 Expanded ATM Network Expanded ATM Network 480 FREE ATMS IN OHIO THOUSANDS NATIONWIDE |
 Money Pass ATM Network Money Pass ATM Network 24,000,000 cardholders 24,000,000 cardholders (1) (1) 750+ Participating 750+ Participating Institutions Institutions (1) (1) Strong Midwest, Mid- Strong Midwest, Mid- Atlantic and West Atlantic and West coverage coverage Web-based ATM locator Web-based ATM locator Retain & attract Retain & attract customers by providing customers by providing necessary convenience necessary convenience and value and value (1) Moneypass.com |
 COMMUNITY COMMUNITY |
 Community Involvement Community Involvement |
 Community Support Community Support Habitat for Humanity Habitat for Humanity Chambers of Commerce Chambers of Commerce Alliance Area Development Alliance Area Development Foundation & Greater Foundation & Greater Alliance Development Corp. Alliance Development Corp. YMCA YMCA Community Action Agency Community Action Agency Big Brothers / Sisters Big Brothers / Sisters Mayor’s Economic Advisory Mayor’s Economic Advisory Board—Salem Board—Salem Community Action Credit Community Action Credit Counseling Counseling 4- 4- H Programs H Programs Rotary Committees Rotary Committees Kiwanis Kiwanis Junior Achievement Junior Achievement (Stark & Mahoning) (Stark & Mahoning) Alliance Balloon Lift-off Alliance Balloon Lift-off Municipal and Civic Municipal and Civic Organization Loans Organization Loans Church Loan Program Church Loan Program |
 The Management Team The Management Team R. Geis-Deposit Ops. R. Geis-Deposit Ops. S. Gross- S. Gross- Risk Mgt. Risk Mgt. P. Hugenberg-CIO P. Hugenberg-CIO P. Suarez- P. Suarez- SLO SLO R. Wood-CFO R. Wood-CFO S. Badman S. Badman – – Marketing Marketing M. Berresford M. Berresford - - Facilities Facilities L. Carper – L. Carper – Loan Ops. Loan Ops. K. Chuckalovchak- K. Chuckalovchak- IT IT D. Downard D. Downard – – Investment Investment Services Services R. Gilroy-Credit R. Gilroy-Credit F. Lang - F. Lang - Security Security L. Ray – L. Ray – Br. Operations Br. Operations S. Tsirelis- S. Tsirelis- HR HR J. Wenderoth- J. Wenderoth- Br. Admin Br. Admin 133 Years of banking experience in the senior management group |
 LEVERAGE YOUR INVESTMENT LEVERAGE YOUR INVESTMENT Make Consumers National Bank your bank on a personal and Make Consumers National Bank your bank on a personal and business level. business level. Be aware of the role community banks play in the local economy. Be aware of the role community banks play in the local economy. Become an advocate of community banking. Know the diffference. Become an advocate of community banking. Know the diffference. Stay aware of the impact legislation may have on your bank and Stay aware of the impact legislation may have on your bank and communicate concerns to your legislators. Events are developing communicate concerns to your legislators. Events are developing quickly, however, targeted efforts to affect change can make a quickly, however, targeted efforts to affect change can make a difference. difference. Refer Refer personal personal and and business business associates associates to to your your community community bank. bank. |
 Consumers National Bank direct mail marketing piece |