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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, 2015
Federal Reserve System Identifier 660879




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$63,242$59,474$57,694
Loans Receivable, Net32,33332,80130,781
Mortgage-Backed Securities436081
Investments297297296
Deposits57,50653,78852,053
Borrowings000
Equity5,5175,4845,423
Net Interest Income2,1382,1052,012
Fee Income326324299
Overhead2,1242,0492,021
Net Operating Income523545473
Net Income344358312
Ratio Analysis Profitability%%%
Return on Assets *0.550.600.55
Operating Return on Assets *0.830.920.83
Return on Equity *6.206.515.72
Net Interest Margin *3.513.713.71
Fee Income / Assets *0.520.550.53
Overhead / Assets *3.373.453.55
Efficiency Ratio79.6178.2781.39
Asset Quality%%%
Nonperforming Assets / Assets0.110.130.12
Nonperforming Assets / Equity & Loss Reserves1.191.381.27
Loss Reserves / Nonperforming Loans255.88200.00222.54
1-4 Fam Mtg + MBS / Assets21.9622.4322.76
Commercial Real Estate Loans / Assets2.024.535.57
Construction Loans / Assets3.303.743.95
Commercial & Industrial Loans / Assets8.029.306.34
Consumer Loans / Assets14.9415.4515.00
Capitalization%%%
Equity / Assets8.729.229.40
Tangible Capital / Tangible Assets8.709.199.37
Risk-based Capital Ratio21.3420.7322.01
Liquidity%%%
Loans / Deposits56.2360.9859.13
Non-Interest Bearing Deposits / Deposits18.0718.7816.91
Purchased Liabilities0.000.370.40

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