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Share Plus Federal Bank

Plano, TX · Cert 57760

FDIC · 4 branches

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Share Plus Federal Bank

Plano, TX · Cert 57760

FDIC · 4 branches

Q3 2014

$348.6MAssets
$250.9MLoans
$281.7MDeposits
$32.5MEquity
Loan mix
86%RE $175.9M12%C&I $24.8M2%Consumer $4.1MQ3 2013Q3 2014
Deposit mix
89%Interest-bearing $250.0M11%Noninterest $31.7MQ3 2013Q3 2014

NIM

4.07%Q3 ’123.85%Q3 ’133.42%Q3 ’14-5%-12%

Non-interest income vs. expense

3.83%Q3 ’123.51%Q3 ’133.01%Q3 ’14-7%-5%

Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.1% share · #59 of 168 inst. · $0.2B of $206.1B

1.2% Collin
0.0% Dallas
0.1% Jefferson

Executive Summary

  • Earnings: ROA of 0.51%, down 3 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 89.07% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.51%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.97%-40 bps YoY

Efficiency Ratio (YTD, annualized)

82.62%+323 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.54%0.52%0.22%0.43%0.51%-3 bps
Return on Equity5.13%5.01%2.17%4.39%5.19%+6 bps
Net Interest Margin3.37%3.32%3.10%3.10%2.97%-40 bps
Efficiency Ratio79.39%81.20%86.73%81.66%82.62%+323 bps
Non-Interest Burden2.46%2.51%2.61%2.40%2.34%-12 bps
Growth
Asset Growth (YoY)2.93%5.46%6.87%10.27%14.27%+1,134 bps
Loan Growth (YoY)-3.77%-4.23%-1.09%8.81%11.99%+1,576 bps
Deposit Growth (YoY)10.36%12.25%8.15%3.21%6.79%-356 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.30%0.26%0.04%0.28%0.19%-11 bps
Allowance / Loans1.00%0.93%0.95%0.75%0.73%-27 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.24%14.49%13.74%13.01%13.41%-82 bps
Equity / Assets10.12%10.23%9.94%9.51%9.33%-79 bps
Liquidity & Funding
Loans / Deposits84.94%84.63%83.81%94.07%89.07%+413 bps
Liquid Assets / Assets15.55%12.07%12.09%10.46%16.86%+131 bps
CRE / Total Capitaln/an/an/an/an/an/an/a