Omniamerican Bank

Fort Worth, TX · Cert 58050

FDIC · 14 branches

Q3 2014

$1.3BAssets

$776.0MLoans

$814.5MDeposits

$200.4MEquity

Loan mix

Deposit mix

NIM

Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.4% share · #28 of 168 inst. · $0.8B of $206.1B

2.0% Tarrant

3.4% Parker

4.5% Hood

0.0% Dallas

Earnings: ROA of 0.57%, down 1 bps year over year; NIM at 2.96%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.36%.
Funding: loans stand at 95.28% of deposits as of Q3 2014.

Return on Assets (YTD, annualized)

0.57%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+3 bps YoY

Efficiency Ratio (YTD, annualized)

75.42%-288 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	0.57%	0.58%	0.54%	0.52%	0.57%	-1 bps
Return on Equity	4.06%	4.10%	3.89%	3.75%	4.00%	-7 bps
Net Interest Margin	2.93%	2.87%	2.92%	2.91%	2.96%	+3 bps
Efficiency Ratio	78.30%	77.52%	75.97%	76.53%	75.42%	-288 bps
Non-Interest Burden	2.08%	2.01%	2.02%	2.02%	2.01%	-6 bps
Growth
Asset Growth (YoY)	12.98%	10.66%	9.05%	4.83%	-7.60%	-2,058 bps
Loan Growth (YoY)	17.19%	10.90%	7.22%	-2.12%	-10.87%	-2,806 bps
Deposit Growth (YoY)	-0.15%	-0.30%	0.79%	0.45%	-0.38%	-23 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.31%	0.32%	0.31%	0.36%	0.36%	+6 bps
Allowance / Loans	0.77%	0.77%	0.80%	0.81%	0.81%	+4 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	20.43%	21.50%	22.35%	22.79%	23.77%	+334 bps
Equity / Assets	13.03%	13.63%	13.91%	14.42%	14.97%	+195 bps
Liquidity & Funding
Loans / Deposits	106.49%	100.91%	94.97%	94.51%	95.28%	-1,122 bps
Liquid Assets / Assets	0.10%	0.10%	0.10%	0.13%	0.14%	+4 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a