Hingham Institution For Savings · NASDAQ:HIFS

Hingham Institution For Savings — Shareholder Meeting (2016)

11 slides from Hingham Institution For Savings's shareholder meeting presentation, 2016

  1. Slide 1: Hingham Institution for Savings Annual Meeting of Shareholders 2016

    HINGHAM INSTITUTION FOR SAVINGS Annual Meeting of Shareholders - 2016

  2. Slide 2: Industry Leading Earnings

    Industry Leading Earnings 2 ◻ 17% Increase in Operating Earnings Per Share Over 2014 (Excluding 2014 Insurance Transaction) ◻ 5YR CAGR of 13.6% in Earnings Per Share ◻ Superior ROA and ROE

  3. Slide 3: Superior Return on Shareholder Equity

    Superior Return on Shareholder 3 Equity Most Profitable Savings Bank in MA - Every Year Source: Depositors Insurance Fund, All Massachusetts Savings Banks

  4. Slide 4: Area Banks Return on Average Equity 2015

    Area Banks Return on Average 4 Equity 2015 Source: SNL Financial

  5. Slide 5: Shareholder Equity – Book Value Per Share

    Shareholder Equity – Book Value 5 Per Share 5YR CAGR of 13.62%

  6. Slide 6: Measured Asset Growth

    Measured Asset Growth 6 5YR CAGR of 11.69%

  7. Slide 7: Disciplined Loan Growth

    Disciplined Loan Growth 7 ◻ 13.5% Loan Growth in 2015 ◻ 12.14% 5YR CAGR ◻ Balanced Growth in Commercial and Residential Real Estate ◻ Significant Opportunities in Boston Metro Area and Beyond

  8. Slide 8: Market Leading Deposit Franchise

    Market Leading Deposit 8 Franchise ◻ 12% Growth in Deposits in 2015 ◻ 10.76% 5YR CAGR ◻ Focus on Core ⬜ 14.39% Growth in Personal DDA Balances in 2015, Outpacing Overall Growth Rate ⬜ Expanding Institutional and Non-Profit Relationships ◻ New Technology Investments in Progress (EMV Cards, Tablet and

  9. Slide 9: Rule #1: Don’t Lose Money

    Rule #1: Don’t Lose Money 9 2015 Net Loan Losses = $0

  10. Slide 10: Rule #2: Don’t Spend Money without Good Returns

    Rule #2: Don’t Spend Money 10 without Good Returns Most Efficient Bank in MA Every Year Source: Depositors Insurance Fund, FDIC

  11. Slide 11: Cost Advantage – Our “Moat”

    Cost Advantage – Our “Moat” 11 If Hingham ran its operations like the average Massachusetts bank, we would have spent an extra $29 million dollars on overhead in 2015 Source: Based on comparison of average non-interest expense as a percentage of average total assets for all Massachusetts banks (FDIC

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