Cf Bankshares Inc. · NASDAQ:CFBK

Cf Bankshares — Central Federal — Shareholder Meeting (May 2014)

19 slides from Cf Bankshares's shareholder meeting presentation, May 21, 2014

  1. Slide 1: Annual Shareholders Meeting

    Annual Shareholders Me Wednesday May 21, Se CFBANK

  2. Slide 2: Agenda

    AGENDA > Updates and Significant Accomplishments > Peer Group Comparison > Financial Highlights A

  3. Slide 3: Significant Accomplishments

    SIGNIFICANT ACCOMPLISHMENTS Regulatory > The OCC has lifted the Cease & Desist Order CFBank > The Federal Reserve has lifted the Cease & Desist Order CFC (the Holding Company) > Allows us to pursue Public Funds and CDAR’s deposits > Insurance expense savings. Se

  4. Slide 4: Credit Quality

    CREDIT QUALITY > Stable and improving > Criticized and classified loans reduced 38% during 2013 > Initiatives to accelerate the pace of reduction > 2013 net loan losses $4,000 A

  5. Slide 5: Expanded Footprint

    EXPANDED FOOTPRINT >» Established presence in Cleveland market >» CFC now in 3 major Ohio metro markets, plus 2 banking offices in Eastern Ohio > Enhancing customer service capabilities in Fairlawn and Eton > New expansion target .... A

  6. Slide 6: Asset Size and Earnings

    ASSET SIZE AND EARNINGS > Asset size matters and affects bottom line performance Incremental growth of loans accelerates Earnings Simple formula: loan growth + low cost funding = increased net interest income (NII). NII is the primary driver of earnings During the past 4 quarters, CF Team has added

  7. Slide 7: Comparable Group Selection (Keller & Company)

    KELLER & COMPANY Erich COMPARABLE GROUP SELECTION BALANCE SHEET PARAMETERS Most Recent Quarter General Parameters: Regions: Midwest, Netheentrs, Northeast, Southeast Asset size: > $200 milion and < $700 milion Equity to Assets < 12% Cash& —TolalNet_ Borrowed Total Assets. Total Net Loans Total Depos

  8. Slide 8: In Summary

    IN SUMMARY > Trajectories in all key metrics, loans, deposits, credit quality and earnings are favorable >» Strong business and loan pipelines > Bullish on our prospects for 2014 and beyond! A

  9. Slide 9: Onward and Upward!!!

    ONWARD AND UPWARD!!! A

  10. Slide 10: Financial Highlights

    Financial Highlights John Helmsdoerfer, EVP & CFO A

  11. Slide 11: Financial Highlights: Keys to Success and Earnings Improvements

    Financial Highlights > Keys to Success and Earnings Improvements y Driving net interest income vy Improving margin ¥ Quality loan growth ¥ Optimizing funding sources and mix ¥ Continued credit quality improvement v Effectively leveraging capital ¥ Infrastructure and operational efficiencies ¥ Our tr

  12. Slide 12: Driving Net Interest Income

    r Driving Net Interest Income 5 Net Interest Income a1-2013 2-203 93-2013 4-203 aa-2014

  13. Slide 13: Improving Margin From Both Sides of the Balance Sheet

    f Improving Margin From Both Sides of ] the Balance Sheet

  14. Slide 14: Quality Loan Growth

    Quality Loan Growth Total Loans 93-2012 as-2012 12013 2-203 03-2013 as-2013 a1-2014

  15. Slide 15: Growing Non-Interest Bearing Relationships to Fund Our Growth

    Growing Non-Interest Bearing Relationships to Fund Our Growth Non-interest Bearing Deposits r. 4 r. a | 5,000

  16. Slide 16: Continued Reduction in Criticized & Classified Loans

    "Continued Reduction in Criticized & Classified Loans is a Key Focus Criticized and Classified Loans $b bas

  17. Slide 17: Maintaining Capital Strength

    Maintaining Capital Strength Capital Ratios 16.00% 14.00% 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% as-2012 1-203 2-2013 93-2013 a4-2013 12014 Tier-1 Capital m Risk-Based Capital

  18. Slide 18: Expense Efficiency Improvement While Growing the Franchise

    _ Expense Efficiency Improvement While 120.00% Growing the Franchise ... Efficiency Ratio 93-2012 as-2012 13-2013 a2-2013 93-2013 4-203 a1-2014 ]

  19. Slide 19: Our Trajectory ...

    Our Trajectory ... ONWARD & UPWARD!! Improving earnings Earning asset growth Optimizing funding sources Maintaining capital strength Acting on opportunities us EXCEPT FOR Controlling expenses Reducing criticized and classified assets S

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