Share Plus Federal Bank

5224 W.Plano Pkwy.
Plano, TX 75093
1-800-352-8257
www.shareplus.com

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Share Plus Federal Bank is headquartered in Plano and is the 188^th largest bank in the state of Texas. It is also the 2,371^st largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 64 employees at 6 locations. Share Plus Federal Bank has a 4-star health rating.

Share Plus Federal Bank Routing Number: 311079571

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See Rates for: Checking | Savings | Money Market | CD | IRA

Share Plus Federal Bank Checking Account Rates

	Apy	Min	Max	Product
	0.15%	$100k	-	Power Plus Checking

Share Plus Federal Bank Savings Account Rates

Apy	Min	Max	Product
0.15%	$100	-	Regular Savings
0.15%	-	-	IRA Savings
0.15%	-	-	Roth IRA Savings
0.15%	-	-	CESA Savings

Share Plus Federal Bank Money Market Rates

Apy	Min	Max	Product
0.25%	$500k	$1m	Platinum Money Market
0.20%	$100k	-	Money Market Plus

Share Plus Federal Bank CD Rates

Apy	Min	Max	Product
1.60%	$1k	-	60 Month CD
1.25%	$1k	-	48 Month CD
1.10%	$1k	-	36 Month CD
0.95%	$1k	-	30 Month CD
0.85%	$1k	-	24 Month CD
0.75%	$1k	-	18 Month CD
0.65%	$5k	-	18 Month Encore CD
0.65%	$95k	-	12 Month Jumbo CD
0.60%	$5k	-	14 Month Encore CD
0.55%	$50k	-	12 Month Mini Jumbo CD
0.45%	$1k	-	12 Month CD
0.40%	$1k	-	9 Month CD
0.40%	$5k	-	12 Month Encore CD
0.30%	$5k	-	8 Month Encore CD
0.30%	$95k	-	6 Month Jumbo CD
0.25%	$50k	-	6 Month Mini Jumbo CD
0.20%	$1k	-	6 Month CD
0.10%	$1k	-	3 Month CD

Share Plus Federal Bank IRA Rates

Apy	Min	Max	Product
1.60%	$1k	-	60 Month IRA
1.60%	$1k	-	60 Month Roth IRA
1.60%	$1k	-	60 Month CESA
1.25%	$1k	-	48 Month IRA
1.25%	$1k	-	48 Month Roth IRA
1.25%	$1k	-	48 Month CESA
0.95%	$1k	-	30 Month IRA
0.95%	$1k	-	30 Month Roth IRA
0.95%	$1k	-	30 Month CESA
0.65%	$5k	-	18 Month Encore IRA
0.65%	$95k	-	12 Month Jumbo IRA
0.65%	$95k	-	12 Month Jumbo Roth IRA
0.65%	$5k	-	18 Month Encore Roth IRA
0.65%	$95k	-	12 Month Jumbo CESA
0.65%	$5k	-	18 Month Encore CESA
0.55%	$50k	-	12 Month Mini Jumbo IRA
0.55%	$50k	-	12 Month Mini Jumbo Roth IRA
0.55%	$50k	-	12 Month Mini Jumbo CESA
0.45%	$1k	-	12 Month IRA
0.45%	$1k	-	12 Month Roth IRA
0.45%	$1k	-	12 Month CESA
0.40%	$1k	-	9 Month IRA
0.40%	$1k	-	9 Month Roth IRA
0.40%	$1k	-	9 Month CESA
0.30%	$95k	-	6 Month Jumbo IRA
0.30%	$95k	-	6 Month Jumbo Roth IRA
0.30%	$95k	-	6 Month Jumbo CESA
0.25%	$50k	-	6 Month Mini Jumbo IRA
0.25%	$50k	-	6 Month Mini Jumbo Roth IRA
0.25%	$50k	-	6 Month Mini Jumbo CESA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Share Plus Federal Bank
OTS #	17972
FDIC Certificate #	57760
BankRate Report	View
Year Established	2004
Employees	64
Primary Regulator	OCC
Assets and Liabilities
Assets	$273.00 million
Loans	$217.32 million
Deposits	$231.99 million
Equity Capital	$29.52 million
Loan Loss Allowance	$2.04 million
Unbacked Noncurrent Loans	$5.30 million
Real Estate Owned	$2.02 million
Historic Data - March 2011
Assets	$259.33 million
Equity Capital	$28.63 million
Loan Loss Allowance	$1.35 million
Unbacked Noncurrent Loans	$2.06 million
Real Estate Owned	$1.84 million
Profit Margin - Quarterly
Net Interest Margin	4.05%
Return on Assets	0.51%
Return on Equity	4.74%
Interest Income	$2.94 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Share Plus Federal Bank had $7.32 million in non-current loans and owned real-estate with $31.56 million in equity and loan loss allowances on hand to cover it. This gives Share Plus Federal Bank a Texas Ratio of 23.19% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Share Plus Federal Bank increased slightly from 13.20% as of March 31, 2011 to 23.19% as of March 31, 2012, resulting in a negative change of 75.65%. This indicates that the balance sheet and financial strength for Share Plus Federal Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Share Plus Federal Bank has increased its total deposits by $19.34 million, resulting in 9.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Share Plus Federal Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Share Plus Federal Bank has $273 million in assets with $31.56 million in equity, resulting in a capitalization level of 11.56%, which is above average.