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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 September 30, 2015
Federal Reserve System Identifier 660879




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$65,174$59,474$57,694
Loans Receivable, Net32,03932,80130,781
Mortgage-Backed Securities476081
Investments297297296
Deposits59,48853,78852,053
Borrowings000
Equity5,4425,4845,423
Net Interest Income1,6042,1052,012
Fee Income247324299
Overhead1,5842,0492,021
Net Operating Income410545473
Net Income270358312
Ratio Analysis Profitability%%%
Return on Assets *0.580.600.55
Operating Return on Assets *0.880.920.83
Return on Equity *6.526.515.72
Net Interest Margin *3.563.713.71
Fee Income / Assets *0.530.550.53
Overhead / Assets *3.373.453.55
Efficiency Ratio78.8578.2781.39
Asset Quality%%%
Nonperforming Assets / Assets0.030.130.12
Nonperforming Assets / Equity & Loss Reserves0.301.381.27
Loss Reserves / Nonperforming Loans1000.00200.00222.54
1-4 Fam Mtg + MBS / Assets21.1422.4322.76
Commercial Real Estate Loans / Assets2.034.535.57
Construction Loans / Assets3.243.743.95
Commercial & Industrial Loans / Assets7.379.306.34
Consumer Loans / Assets14.5615.4515.00
Capitalization%%%
Equity / Assets8.359.229.40
Tangible Capital / Tangible Assets8.339.199.37
Risk-based Capital Ratio21.2920.7322.01
Liquidity%%%
Loans / Deposits53.8660.9859.13
Non-Interest Bearing Deposits / Deposits19.7718.7816.91
Purchased Liabilities0.270.370.40

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