SAFE & SOUND® STAR RATINGS

Financial statement

ANGELINA SAVINGS BANK, SSB
1721 TULANE DRIVE
LUFKIN, Texas 75901

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 660879




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$57,694$54,678$51,768
Loans Receivable, Net30,78129,26730,409
Mortgage-Backed Securities81117143
Investments296451451
Deposits52,05349,04945,940
Borrowings000
Equity5,4235,3165,386
Net Interest Income2,0121,4992,041
Fee Income299230430
Overhead2,0211,4441,983
Net Operating Income473346529
Net Income31223081
Ratio Analysis Profitability%%%
Return on Assets *0.550.580.66
Operating Return on Assets *0.830.881.00
Return on Equity *5.725.736.46
Net Interest Margin *3.713.994.25
Fee Income / Assets *0.530.620.83
Overhead / Assets *3.553.623.75
Efficiency Ratio81.3980.458003.00
Asset Quality%%%
Nonperforming Assets / Assets0.120.100.03
Nonperforming Assets / Equity & Loss Reserves1.270.980.32
Loss Reserves / Nonperforming Loans222.54324.070.62
1-4 Fam Mtg + MBS / Assets22.7622.8526.24
Commercial Real Estate Loans / Assets5.576.447.56
Construction Loans / Assets3.953.232.92
Commercial & Industrial Loans / Assets6.345.434.80
Consumer Loans / Assets15.0015.8117.56
Capitalization%%%
Equity / Assets9.409.7210.40
Tangible Capital / Tangible Assets9.379.6910.37
Risk-based Capital Ratio22.0122.2822.35
Liquidity%%%
Loans / Deposits59.1359.6766.19
Non-Interest Bearing Deposits / Deposits16.9119.87n/a
Purchased Liabilities0.400.768.85

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