Hingham Institution For Savings · NASDAQ:HIFS

Hingham Institution For Savings — Shareholder Meeting (2006)

16 slides from Hingham Institution For Savings's shareholder meeting presentation, 2006

1. Slide 1: 2006 Annual Meeting

   2006 ANNUAL MEETING HINGHAM INSTITUTION FOR SAVINGS

2. Slide 2: Deposits (Millions)

   Millions | $334.6 $364.3 ‘01 ‘02 '03 '04 '05

3. Slide 3: Total Deposit Growth vs Peer and State

   PF Bank Total Deposit Growth F Peer " State ‘02 ‘03 '05 Source: Depositors’ Insurance Fund 12.31.05 Report on State Chartered Savings Banks

4. Slide 4: Loans (Millions)

   Millions ‘01 '02 Loans $488.1 '03 '04 '05

5. Slide 5: Loan Growth Percent

   Percent '02 '03 '04 '05 Source: Depositors’ Insurance Fund 12.31.05 Report on State Chartered Savings Banks

6. Slide 6: Assets (Millions)

   Millions $386.2 $426.4 Assets $484.0 $547.1 ‘01 '02 '03 $628.3 '05

7. Slide 7: Total Asset Growth vs Peer

   Total Asset Growth F Peer '02 ‘05 Source: Depositors’ Insurance Fund 12.31.05 Report on State Chartered Savings Banks

8. Slide 8: Noncurrent Loans to Loans

   Noncurrent Loans to Loans r HIFS Pr Peer 0.22% Percent ‘04 ‘05 Source: Depositors’ Insurance Fund 12.31.05 Report on State Chartered Savings Banks

9. Slide 9: Rank Among Peer and State Banks

   Rank ’02 Peer 1/13 State 1/70 Source: Depositors’ Insurance Fund 12.31.05 Report on State Chartered Savings Banks

10. Slide 10: Earnings

    Earnings 5.8 $5.4 : $6.0 T ] ] q I | ea ee. I l suOnpW ‘05 '04 '03 ‘02 ‘01

11. Slide 11: Return on Equity

    ~~ Bank Return on Equity irk ‘02 ‘03 '04 ‘05 13.29% re a os 6.22% Source: Depositors’ Insurance Fund 12.31.05 Report on State Chartered Savings Banks

12. Slide 12: Area Banks Return on Equity 2005

    Area Banks Return on Equity 2005 13.9% 13.3% 7.6% 71% 6.0% 6.2% it iii 7 i en Source: FDIC

13. Slide 13: Operating Earnings as a Percent of Average Assets

    ~~ Bank Operating Earnings as a Percent of Average Assets Lo ate ‘03 '04 05 ank ’Q2 eer 1/13 tate 1/70 Source: Depositors’ Insurance Fund 12.31.05 Report on State Chartered Savings Banks

14. Slide 14: Stockholders' Equity

    HONS 01 Stockholders' Equity $44.3 $38.2 $40.9 '02 ‘03 $48.5 ‘05

15. Slide 15: Dividends Declared Per Share

    Dollars Dividends Declared Per Share $0.99 $0.90 $0.94 $0.84 $0.76 ‘Ol "02 '03 "04 "05

16. Slide 16: Treasury Yield Analysis Year vs Three Month

    Percentage Treasury Yield Analysis 10 Year vs Three Month 4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% ae » PPM Moh i Hf ROA SFI FPS OP SPQ Ye) Spread

Hingham Institution for Savings — Shareholder Meeting (2006) on 6ix