Eagle Financial Services Inc · NASDAQ:EFSI
Eagle Financial Services — Investor Presentation (September 2016)
17 slides from Eagle Financial Services's investor presentation, Sep 21, 2016
Slide 1: Investor Presentation September 2016
Investor Presentation September 2016 EXHIBIT 99.1
Slide 2: Forward Looking Statements
The Company makes forward-looking statements that are subject to risks and uncertainties. These forward-looking statements include statements regarding profitability, liquidity, adequacy of capital, the allowance for loan losses, interest rate sensitivity, market risk, growth strategy, and financial
Slide 3: Since 1881, Banking Done Right
Since 1881, Banking Done Right… Longer Total Assets $677MM 12 Retail Banking Offices Total Loans $517MM Core Deposits $482MM Trust Assets $119MM Eagle Financial Services, Inc. EFSI Bank of Clarke County Commercial Banking Wealth Management Retail Banking
Slide 4: Key Value Drivers
Key Value Drivers Key Management Expertise Location in High Growth Markets Profitability at or Above Peers Strong Net Interest Margin Quality Asset Generation Strong Core Deposits Solid Fee Income Strong Capital Base allowing strategic flexibility
Slide 5: Management Team
Management Team Executive Position Industry Experience Years in Market John R. Milleson President & CEO 33 years 33 years James W. McCarty, Jr. EVP & CAO 24 years 24 years Kathleen J. Chappell SVP & CFO 27 years 27 years Joe T. Zmitrovich SVP & CLO 23 years <1 year Carl A. Esterhay Senior Trust Offi
Slide 6: Market Presence
Market Presence Clarke County Population 2015 – 14,363 Median HH Income 2014- $75,508 Unemployment 2016– 3.3% Market Deposits - $248MM Branches – 3 Branch Deposits - $211MM Winchester City/Frederick County Population 2015 – 110,483 Median HH Income 2014- $56,725 Unemployment 2016– 3.6% Market Deposi
Slide 7: Market Presence
aad gle Finacial Services, Ie, arket Presence
Slide 8: Profitability
Profitability *Median per Davenport & Company LLC Community Bank Quarterly ranking of Virginia Banks Q2 2016 – YTD 6/30/2016 annualized
Slide 9: Net Interest Margin
Net Interest Margin **Median for Virginia Banks per SNL Financial 6/30/2016 – YTD annualized
Slide 10: Asset Mix
Asset Mix Segment as a Percentage of Total Assets 2011 2012 2013 2014 2015 Q2 2016 Loans to Deposits 92% 88% 91% 93% 90% 91% Loans to Total Assets 72% 70% 76% 75% 76% 76%
Slide 11: Asset Quality
Asset Quality *Non-performing assets are comprised of non-accrual loans, other real estate owned and repossessed assets
Slide 12: Loan Portfolio Mix
Loan Portfolio Mix Segment as a Percentage of Total Loans
Slide 13: Deposit Mix & Cost of Funds
Deposit Mix & Cost of Funds 24%* 35%* *Percentage of Non-Interest Bearing Deposits to Total Deposits
Slide 14: Revenue
a agle Financial Services, Inc $35,000 Revenue
Slide 15: Exchange OTCQX Ticker SymbolEFSI Current Market Price(9/12/2016) $23.60 Common Shares Outstanding3,546,802 Market Cap…
Exchange OTCQX Ticker SymbolEFSI Current Market Price(9/12/2016) $23.60 Common Shares Outstanding3,546,802 Market Capitalization$83.2 million Insider Ownership21.6% Institutional Ownership 3.2% Cash DividendsConsecutive annual cash dividend increases since 1986 Dividend Yield 3.4% Average Monthly Vo
Slide 16: Capital
a agle Financial Services, Inc $25.00 Capital $15.00 $10.00
Slide 17: Contacts
Contacts John R. Milleson President & CEO jmilleson@bankofclarke.com 540-955-5247 Jim McCarty EVP & CAO jmccarty@bankofclarke.com 540-955-5237 Kate J. Chappell SVP & CFO kchappell@bankofclarke.com 540-955-5226
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