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SAFE & SOUND® STAR RATINGS

ANGELINA SAVINGS BANK, SSB

1721 TULANE DRIVE
LUFKIN, Texas 75901

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 660879




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$59,474$57,694$54,678
Loans Receivable, Net32,80130,78129,267
Mortgage-Backed Securities6081117
Investments297296451
Deposits53,78852,05349,049
Borrowings000
Equity5,4845,4235,316
Net Interest Income2,1052,0121,499
Fee Income324299230
Overhead2,0492,0211,444
Net Operating Income545473346
Net Income358312230
Ratio Analysis Profitability%%%
Return on Assets *0.600.550.58
Operating Return on Assets *0.920.830.88
Return on Equity *6.515.725.73
Net Interest Margin *3.713.713.99
Fee Income / Assets *0.550.530.62
Overhead / Assets *3.453.553.62
Efficiency Ratio78.2781.3980.45
Asset Quality%%%
Nonperforming Assets / Assets0.130.120.10
Nonperforming Assets / Equity & Loss Reserves1.381.270.98
Loss Reserves / Nonperforming Loans200.00222.54324.07
1-4 Fam Mtg + MBS / Assets22.4322.7622.85
Commercial Real Estate Loans / Assets4.535.576.44
Construction Loans / Assets3.743.953.23
Commercial & Industrial Loans / Assets9.306.345.43
Consumer Loans / Assets15.4515.0015.81
Capitalization%%%
Equity / Assets9.229.409.72
Tangible Capital / Tangible Assets9.199.379.69
Risk-based Capital Ratio20.7322.0122.28
Liquidity%%%
Loans / Deposits60.9859.1359.67
Non-Interest Bearing Deposits / Deposits18.7816.9119.87
Purchased Liabilities0.370.400.76

* Calculations are based on the latest four quarters of income and expense.
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