Shelter Financial Bank

Columbia, MO · Cert 35002

FDIC

Q4 2012

$144.2MAssets

$139.2MLoans

$63.0MDeposits

$17.0MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -3.52%, down 409 bps year over year; NIM at -3.50%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
Funding: loans stand at 220.98% of deposits as of Q4 2012.

Return on Assets (quarter, annualized)

-3.52%-409 bps YoY

Net Interest Margin (quarter, annualized)

-3.50%

Efficiency Ratio (quarter, annualized)

167.92%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q1 2011	Q2 2011	Q3 2011	Q4 2011	Q1 2012	Q2 2012	Q3 2012	Q4 2012	YoY Δ	Trend
Earnings
Return on Assets	0.57%	0.58%	0.62%	0.57%	0.51%	0.45%	0.70%	-3.52%	-409 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	4.22%	6.19%	-30.27%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	2.60%	2.65%	2.78%	-3.50%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	67.61%	71.99%	60.33%	167.92%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	1.75%	1.90%	1.67%	3.24%	n/a
Growth
Asset Growth (YoY)	-11.44%	-4.01%	-5.67%	-4.70%	-3.69%	-7.44%	-5.79%	-16.26%	-1,157 bps
Loan Growth (YoY)	5.01%	5.40%	1.37%	-1.99%	-4.77%	-5.24%	-2.84%	-12.36%	-1,037 bps
Deposit Growth (YoY)	10.03%	-7.21%	4.99%	-3.04%	0.92%	-6.03%	-29.74%	-44.90%	-4,186 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	-0.01%	0.15%	0.04%	0.13%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.42%	1.40%	1.39%	1.15%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	15.15%	15.66%	15.94%	16.55%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	10.50%	11.04%	11.45%	11.81%	n/a
Liquidity & Funding
Loans / Deposits	146.18%	144.87%	142.65%	138.94%	137.93%	146.09%	197.26%	221%	+8,205 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	4.94%	2.75%	0.18%	0.22%	+22 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a