1995 - 2000

• 1995 - Opened 25th office, located inside the SuperTarget Store at 3201 Iowa in Lawrence. Capitol Federal's first office within a retail store, the Lawrence Target office provides customers with flexible hours and the convenience of banking while shopping.
• October, 1996 - John B. Dicus elected President, with John C. Dicus continuing as Chairman.
• Fiscal year 1997 saw Capitol Federal assets near the $5 billion milestone, with capital reserves of $550 million or 12.25% of assets. The branch network continued to grow, including a new full service branch in Wichita and two additional SuperTarget offices in Olathe and Overland Park. The opening of the Wichita branch at the KenMar Shopping Center, I3th and Oliver, marked Capitol Federal's 26th office and sixth in the Wichita area. The Olathe SuperTarget at the Blackbob Shopping Center, 119th and Blackbob, serves as Capitol Federal's 27th office, and the Overland Park SuperTarget office located at 12200 Blue Valley Parkway marks the Association's third in-store branch and 28th office.
• The Association installed its fourth generation of mortgage loan origination software to prepare for the electronic global marketplace for the 21st Century. With loan activity strong and Capitol Federal continuing its position as the number one residential lender in Kansas, the Association proudly accepted the 1997 Community Partnership Award presented by the Federal Housing Finance Board. Capitol Federal remains steadfast in its commitment to help low- to moderate-income families buy homes.
• Capitol Federal also opened a Customer Service Center to provide added convenience by phone for customers. The Customer Service Center allows customers to call Capitol Federal any day between 7 a.m. and 11 p.m. to ask a wide range of questions regarding any Capitol Federal product or service. Operators can open accounts, help with account inquiries, transfer money and refer customers regarding mortgage applications.
• The Association introduced several new products in fiscal year 1997. The popular Visa® True Blue® direct check card offers customers convenience and access to their account around the world and the Blue Bucks Kids' Club gives a new generation of customers a fun and educational way to start saving money.
• In August, 1998, Capitol Federal moved its Wichita headquarters into a new facility at 21st and North Rock Road. Capitol Federal celebrated the opening of its fourth in-store office in 1998. Located in the SuperTarget at 15700 Shawnee Mission Parkway, Shawnee Kansas, the new office became Capitol Federal's 29th office location and twelfth in the Greater Kansas City area.
• On August 25, 1998, Capitol Federal’s Board of Directors approved a Plan of Reorganization and Stock Issuance Plan. Capitol Federal would reorganize from a mutual savings association to a stock savings association utilizing a mid-tier mutual holding company structure. A stock offering would occur the first quarter of 1999. This reorganization also included the establishment of the Capitol Federal Foundation.
• Fiscal year 1998 was the year Capitol Federal surpassed the $5 billion mark in assets, reaching a total of $5.32 billion by year end with capital at a new high of $662.3 million. Year-end net income was $53.9 million and the capital-to-assets ratio was 12.46%.
• Loan activity in 1998 far exceeded all previous highs with total loan volume of $1.54 billion, an increase of over 32% from 1997. Mortgage loan originations were also the best ever at $1.08 billion.
• In early fiscal year 1999, the Association held a ribbon-cutting ceremony for the opening of its 30th office, the 13th in Greater Kansas City, located at 135th and Metcalf. Capitol Federal brought its total number of in-store offices to six with the openings of the Price Chopper offices at 7734 State Avenue, Kansas City, Kansas, and 11700 West 135 Street, Overland Park.
• Following approval of Capitol Federal's Plan of Reorganization and Stock Issuance Plan and the formation of Capitol Federal Foundation by Association members and final review and acceptance by the Office of Thrift Supervision, the Capitol Federal stock conversion occurred on March 31, 1999. At that time, the Association, which had been known as Capitol Federal Savings and Loan Association since 1938, became known as Capitol Federal Savings Bank.
• At the close of 1999, Capitol Federal Savings Bank assets stood at $6.54 billion, an increase of $1.22 billion over 1998. Capital totaled $961.0 million and net income was $60.6 million. Indicative of Capitol Federal’s continued dedication to balance safety and soundness with efforts to increase shareholder value, tangible equity to assets was 14.70% at September 30, 1999. Capitol Federal continued its position as the number one residential lender in Kansas, ending fiscal year 1999 with record originations. Loans receivable increased $580.1 million and mortgage-related securities grew $1.01 billion. For the fiscal year ended September 30, 1999, loan originations totaled $1.34 billion compared to $1.19 billion one year ago.
• Capitol Federal began its 107th year with the opening of an office within the Dillon’s store at 6th & Wakarusa in Lawrence.
• In October, 1999, Capitol Federal welcomed CMIC Financial Services*, a division of Creative Marketing International Corporation, as the new provider of insurance and securities products available at Capitol Federal Savings locations. CMIC provides Capitol Federal customers an expanded portfolio of investment options including fixed and variable annuities, mutual funds, estate planning, college funding and retirement savings products.
• Capitol Federal's Y2K Task Force completed the testing and implementation of all its internal systems by mid-year 1999. Capitol Federal completed its comprehensive five-step readiness plan and was 100% ready for the Year 2000.
• In February, 2000, Capitol Federal's 34th office, its sixth Topeka office, opened at Northwest 46th Street and Highway 75. In March, Capitol Federal Financial completed its first year as a public company. It reported record earnings due in part to the conversion to a public company and to greater loan demand in the face of increasing interest rates. The Company grew from $5.73 billion in assets at March 31, 1999 to $7.61 billion at March 31, 2000. This growth, while maintaining a sound capital position, made Capitol Federal Financial the 15th largest thrift in the nation.
• At the close of the fiscal year, September 30, 2000, Capitol Federal Financial total assets reached $8.27 billion, shareholders' equity totaled $986.2 million and our net income for the year increased to $76.3 million. During fiscal year 2000, Capitol Federal initiated a series of three stock buybacks totaling 11.1 million shares, with basic earnings per share of $0.91.

*Neither CMIC Financial Services nor SII Investments, Inc., member NASD, SIPC and a Registered Broker Dealer are affiliated with Capitol Federal Savings. Products offered by CMIC Financial Services and securities offered through SII Investments, Inc. are:

History

• 1800 - 1899
• 1900 - 1939
• 1940 - 1949
• 1950 - 1959
• 1960 - 1969
• 1970 - 1979
• 1980 - 1989
• 1990 - 1994
• 1995 - 2000
• 2001 - Current
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