Hingham Institution For Savings · NASDAQ:HIFS
Hingham Institution For Savings — Shareholder Meeting (2015)
10 slides from Hingham Institution For Savings's shareholder meeting presentation, 2015
Slide 1: Annual Meeting of Shareholders - 2015
HINGHAM INSTITUTION FOR SAVINGS Sy Annual Meeting of Shareholders - 2015
Slide 2: Industry Leading Earnings
Millions Industry Leading Earnings LL SR AT i ES ETD ETT ST O $22.3 im $13.3 $13.4 O $12.1 $10.2 O 2010 2011 2012 2013 2014 66% Increase in Earnings Per Share in 2014 2014 was 7" Consecutive Year of Record Earnings Excluding insurance transaction, operating earnings of $16.5M (24% Increase) $4.5M re
Slide 3: Superior Return on Equity
Superior Return on Equity a 25.00% = 20.00% LO 9.37% 18.00% + a | yagim 15-55% 15.16% Hingham 13.63% -mPeer 10.00% _ State 0.00% 1 —— 1 2010 2011 2012 2013 2014 1st of 57 Savings Banks in MA — All Years
Slide 4: Area Banks Return on Average Equity
Area Banks Return on Average Equity Hingham (Comprehensive) Hingham (Operating) Cambridge Trust Boston Private Rockland Trust Cape Cod Five Weymouth Bank Eastern Bank Belmont Savings Bank Pilgrim Bank South Shore Bank Blue Hills Bank
Slide 5: Shareholder Equity — Book Value Per Share
Shareholder Equity — Book Value Per Share 67% Total Growth Since 2010
Slide 6: Disciplined Balance Sheet Growth
Disciplined Balance Sheet Growth ATT a RTT $1,552 $1,356 $1107 $1,206 $1,018 i | 2010 2011 2012 2013 2014 Millions
Slide 7: Accelerating Loan Growth
Accelerating Loan Growth = A A RS Ss Tr $1,239 oO 15% Loan Growth in $1,079 2014 $950 0 12% 5YR Compound $793 we50 Annual Growth Rate Millions O Balanced Growth in Commercial and Residential Real Estate 0 Significant Opportunities in Boston 2010 2011 2012 2013 2014 . and Cambridge
Slide 8: Market Leading Deposit Franchise
Market Leading Deposit Franchise ENE LATA TTT TTT i Millions $941 $870 $788 $730 | $1,089 2010. 2011 2012 2013 2014 O 16% Growth in Deposits in 2014 4 Focus on Core Deposits O 33% Increase in Personal Checking Balances Oo 22% Increase in Commercial Checking Balances CO Commitment to Growth
Slide 9: Rule #1: Don't Lose Money
Rule #1: Don’t Lose Money CT STAT TRACI TAREE i 2014 Net Charge-Offs as % of Loan Portfolio 0.4 arenes ee 0.2 Percentage Hingham MA Savings Banks All MA Banks
Slide 10: Rule #2: Don't Spend Money (Without Good Returns)
Rule #2: Don’t Spend Money (Without Good Returns nS Non-Interest Expense % of Total Assets 4 3.5 3 a 2.5 Hingham 2 -®All MA Savings Banks 1.5 —— =e = ~All MA Banks ea 1.4 1.37 0.5 (6) — 2010 2011 2012 2013 2014
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