Capitol Federal Financial, Inc. · NASDAQ:CFFN
Capitol Federal Financial — Shareholder Meeting (January 2006)
18 slides from Capitol Federal Financial's shareholder meeting presentation, Jan 25, 2006
Slide 1: Welcome to the 2005 Annual Meeting of Capitol Federal Financial
WELCOME to the 2005 ANNUAL MEETING of CAPITOL FEDERAL FINANCIAL
Slide 2: Board of Directors
Board of Directors B. B. Andersen John B. Dicus, President & CEO John C. Dicus, Chairman Jeffrey M. Johnson Michael T. McCoy, M.D. Jeffrey R. Thompson Marilyn S. Ward
Slide 3: Capitol Federal Management
Capitol Federal Management John C. Dicus, Chairman John B. Dicus, President, CEO R. Joe Aleshire, Executive Vice President Larry K. Brubaker, Executive Vice President Morris J. Huey, II, Executive Vice President Neil F. M. McKay, Executive Vice President Kent G. Townsend, Executive Vice President Ta
Slide 4: 2005 Annual Meeting of Capitol Federal Financial
2005 ANNUAL MEETING of CAPITOL FEDERAL FINANCIAL
Slide 5: Safe Harbor Disclosure
Safe Harbor Disclosure Except for the historical information contained in this presentation, the matters discussed may be deemed to be forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995, that involve risks and uncertainties, including changes in ec
Slide 6: Shareholder Value
Shareholder Value Today the Board declared a $0.50 per share dividend, payable February 17, 2006 to holders of record on February 3, 2006.
Slide 7: Shareholder Value
Shareholder Value This brings cumulative dividends to date to $10.18 per share, providing a return to participants in our IPO of their investment.
Slide 8: Fiscal Year 2005 At September 30th
Fiscal Year 2005 At September 30th (000’s omitted) Total Assets: $8,409,687 Total Loans: $5,464,130 Total Deposits: $3,960,297 Total FHLB Advances: $3,426,465 Total Stockholders’ Equity: $865,063
Slide 9: Financial Performance FY 2005
Financial Performance FY 2005 (000’s omitted) Net Income: $65,059 Diluted EPS: $0.89 Net Interest Margin: 1.87% ROAA: 0.77% ROAE: 7.62%
Slide 10: Financial Performance FY 2005
Financial Performance FY 2005 Efficiency Ratio: 41.19% Operating Expense Ratio: 0.87% Non-performing Assets to Total Assets: 0.08% Equity to Total Assets: 10.29%
Slide 11: FY 2005 Results
FY 2005 Results The following two strategies that began in fiscal year 2004 primarily increased our net interest margin in fiscal year 2005 by 48 basis points: • Refinance of the FHLB advances • Purchase of mortgage loans instead of securities which increased the balance of the loan portfolio Compar
Slide 12: Stock Highlights of 2005
Stock Highlights of 2005 Book Value per Share: $11.91 (as of September 30, 2005) Total Shares Outstanding: 74,286,889 (as of September 30, 2005) Public Shares Outstanding: 20,480,964 (as of September 30, 2005) Stock Trading Range: $32.11 to $37.31
Slide 13: Enhanced Dividend Policy
Enhanced Dividend Policy • CFFN paid $2.00 per share in regular quarterly dividends in 2005. • Paid a $0.30 per share special dividend in December 2005 under the enhanced dividend policy based on fiscal year 2005 earnings.
Slide 14: Calendar Year Dividend History
Calendar Year Dividend History $2.50 $2.00 $1.50 $1.00 $0.50 $- CY 99 CY 00 CY 01 CY 02 CY 03 CY 04 CY 05
Slide 15: Treasury Rates
Treasury Rates Rates 5.00 4.50 4.00 3.50 3.00 2.50 2.00 3 Mo 6 Mo 1 Yr 2 Yr 3 Yr 5 Yr 10 Yr 30 Yr Term to Maturity 12/31/04 12/30/05
Slide 16: Commitment to Community
Commitment to Community • Capitol Federal Foundation set a new record by donating over $3 million to numerous nonprofit and charitable organizations in our market areas during calendar year 2005. • Foundation total gifts to date reached approximately $12.3 million in calendar year 2005.
Slide 17: Questions & Answers
CAPITOL FEDERAL FINANCIAL 2005 ANNUAL MEETING QUESTIONS & ANSWERS
Slide 18: Thank You for Attending the 2005 Annual Meeting
THANK YOU FOR ATTENDING the 2005 ANNUAL MEETING of CAPITOL FEDERAL FINANCIAL
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