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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, 2016
Federal Reserve System Identifier 660879




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$63,709$63,242$59,474
Loans Receivable, Net31,31432,33332,801
Mortgage-Backed Securities394360
Investments298297297
Deposits57,88357,50653,788
Borrowings000
Equity5,5835,5175,484
Net Interest Income5282,1382,105
Fee Income81326324
Overhead5612,1242,049
Net Operating Income100523545
Net Income66344358
Ratio Analysis Profitability%%%
Return on Assets *0.490.550.60
Operating Return on Assets *0.750.830.92
Return on Equity *5.686.206.51
Net Interest Margin *3.503.513.71
Fee Income / Assets *0.520.520.55
Overhead / Assets *3.403.373.45
Efficiency Ratio84.8779.6178.27
Asset Quality%%%
Nonperforming Assets / Assets0.130.110.13
Nonperforming Assets / Equity & Loss Reserves1.501.191.38
Loss Reserves / Nonperforming Loans191.86255.88200.00
1-4 Fam Mtg + MBS / Assets21.0821.9622.43
Commercial Real Estate Loans / Assets1.962.024.53
Construction Loans / Assets3.303.303.74
Commercial & Industrial Loans / Assets6.748.029.30
Consumer Loans / Assets15.2814.9415.45
Capitalization%%%
Equity / Assets8.768.729.22
Tangible Capital / Tangible Assets8.748.709.19
Risk-based Capital Ratio22.1521.3420.73
Liquidity%%%
Loans / Deposits54.1056.2360.98
Non-Interest Bearing Deposits / Deposits18.5018.0718.78
Purchased Liabilities0.520.000.37

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