Attached files
| file | filename |
|---|---|
| 8-K - CURRENT REPORT, ITEMS 5.07, 7.01 AND 9.01 - Capitol Federal Financial, Inc. | annualmeeting8k0118.htm |
| EX-99.2 - PRESS RELEASE ANNOUNCING DIVIDEND - Capitol Federal Financial, Inc. | regulardividendrelease0118.htm |
Board of Directors
John B. Dicus, Chairman, President & CEO
Michel’ Philipp Cole
Morris J. Huey, II
Jeffrey M. Johnson
Michael T. McCoy, M.D.
James G. Morris
Reginald L. Robinson
Jeffrey R. Thompson
Management
John B. Dicus, Chairman, President & CEO
Natalie G. Haag, Executive Vice President & Corporate Secretary
Rick C. Jackson, Executive Vice President
Daniel L. Lehman, Executive Vice President
Carlton A. Ricketts, Executive Vice President
Kent G. Townsend, Executive Vice President
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. These forward-looking statements include statements about our beliefs, plans,
objectives, goals, expectations, anticipations, estimates and intentions. The words "may," "could,"
"should," "would," "will," "believe," "anticipate," "estimate," "expect," "intend," "plan," and similar
expressions are intended to identify forward-looking statements. Forward-looking statements that
involve risks and uncertainties, including changes in economic conditions in Capitol Federal
Financial, Inc.’s market area, changes in policies by regulatory agencies and other governmental
initiatives affecting the financial services industry, fluctuations in interest rates, demand for loans in
Capitol Federal Financial, Inc.’s market area, the future earnings and capital levels of Capitol Federal
Savings Bank, which would affect the ability of Capitol Federal Financial, Inc. to pay dividends in
accordance with its dividend policies, competition, and other risks detailed from time to time in
documents filed or furnished by Capitol Federal Financial, Inc. with the SEC. Actual results may
differ materially from those currently expected. These forward-looking statements represent Capitol
Federal Financial, Inc.’s judgment as of the date of this presentation. Capitol Federal Financial, Inc.
disclaims, however, any intent or obligation to update these forward-looking statements.
Selected Balance Sheet Data
September 30,
2017 2016
(in thousands)
Total Assets $ 9,192,916 $ 9,267,247
Total Loans $ 7,195,071 $ 6,958,024
Total Deposits $ 5,309,868 $ 5,164,018
Total Borrowings $ 2,373,808 $ 2,572,389
Total Stockholders' Equity $ 1,368,313 $ 1,392,964
Financial Performance FY 2017
Net Income (in thousands) $84,137
Earnings Per Share (basic & diluted) $0.63
Net Interest Margin* 2.15%
Return on Average Assets* 0.89%
Return on Average Equity* 5.88%
*Adjusted to exclude the effects of the leverage strategy
Efficiency Ratio 41.21%
Operating Expense Ratio 0.80%
Non-performing Assets to Total Assets 0.20%
Equity to Total Assets 14.9%
Financial Performance FY 2017
Calendar Year 2017 Dividends
(in thousands)
Regular quarterly dividends* $ 45,633
True Blue® Capitol dividend (June) 33,559
True-up dividend (December) 38,985
Total cash dividends paid in 2017 $ 118,177
*Paid in February, May, August, and November.
Cumulative Cash Returned to Stockholders
†Includes named capital dividends paid
(in millions)
$1,244.2
Share Repurchases
Stockholder Dividends
$368.0
31,009,944 Shares
Avg. Price of $11.87
$6.14 Per Share
$0.0
$250.0
$500.0
$750.0
$1,000.0
$1,250.0
Since 2nd Step Corporate Reorganization
†
$876.2
Payment of Dividends
• CFFN declared a regular quarterly dividend of
$0.085 per share on January 23, 2018.
• For fiscal year 2018, it is the intent of our Board and
management to pay out 100% of our net income.
• Dividends will be paid in a combination of
quarterly and true-up cash dividends.
A Proven Path
• Single-Family Portfolio
Lender
• Retail Financial Services
• Excellent Asset Quality
• Strong Cost Controls
• Strong Capital Position
• Stockholder Value
• Interest Rate Risk
Management
• Continued growth of our commercial real estate loan
portfolio primarily through loan participations with our
correspondent lending relationships.
• Continued the leverage strategy during fiscal year 2017,
which added $2.8 million to net income.
• Continued focus on cost controls through technology
efficiencies and enhancements.
A Proven Path
Questions & Answers
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