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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 March 31, 2015
Federal Reserve System Identifier 660879




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$62,642$59,474$57,694
Loans Receivable, Net31,89632,80130,781
Mortgage-Backed Securities556081
Investments297297296
Deposits56,83153,78852,053
Borrowings000
Equity5,5785,4845,423
Net Interest Income5252,1052,012
Fee Income73324299
Overhead5142,0492,021
Net Operating Income144545473
Net Income95358312
Ratio Analysis Profitability%%%
Return on Assets *0.610.600.55
Operating Return on Assets *0.930.920.83
Return on Equity *6.676.515.72
Net Interest Margin *3.683.713.71
Fee Income / Assets *0.530.550.53
Overhead / Assets *3.433.453.55
Efficiency Ratio79.0878.2781.39
Asset Quality%%%
Nonperforming Assets / Assets0.040.130.12
Nonperforming Assets / Equity & Loss Reserves0.421.381.27
Loss Reserves / Nonperforming Loans637.50200.00222.54
1-4 Fam Mtg + MBS / Assets20.9022.4322.76
Commercial Real Estate Loans / Assets4.054.535.57
Construction Loans / Assets4.483.743.95
Commercial & Industrial Loans / Assets7.319.306.34
Consumer Loans / Assets14.3215.4515.00
Capitalization%%%
Equity / Assets8.909.229.40
Tangible Capital / Tangible Assets8.889.199.37
Risk-based Capital Ratio21.2320.7322.01
Liquidity%%%
Loans / Deposits56.1260.9859.13
Non-Interest Bearing Deposits / Deposits20.9918.7816.91
Purchased Liabilities0.560.370.40

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