Share Plus Federal Bank

Plano, TX · Cert 57760

FDIC · 4 branches

Q3 2014

$348.6MAssets

$250.9MLoans

$281.7MDeposits

$32.5MEquity

Loan mix

Deposit mix

NIM

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

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.

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.

Metric	Q3 2013	Q4 2013	Q1 2014	Q2 2014	Q3 2014	YoY Δ	Trend
Earnings
Return on Assets	0.54%	0.52%	0.22%	0.43%	0.51%	-3 bps
Return on Equity	5.13%	5.01%	2.17%	4.39%	5.19%	+6 bps
Net Interest Margin	3.37%	3.32%	3.10%	3.10%	2.97%	-40 bps
Efficiency Ratio	79.39%	81.20%	86.73%	81.66%	82.62%	+323 bps
Non-Interest Burden	2.46%	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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.30%	0.26%	0.04%	0.28%	0.19%	-11 bps
Allowance / Loans	1.00%	0.93%	0.95%	0.75%	0.73%	-27 bps
Allowance Coverage of NPLs	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
Total Risk-Based Capital	14.24%	14.49%	13.74%	13.01%	13.41%	-82 bps
Equity / Assets	10.12%	10.23%	9.94%	9.51%	9.33%	-79 bps
Liquidity & Funding
Loans / Deposits	84.94%	84.63%	83.81%	94.07%	89.07%	+413 bps
Liquid Assets / Assets	15.55%	12.07%	12.09%	10.46%	16.86%	+131 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a