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 June 30, 2014
Federal Reserve System Identifier 660879




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$58,953$57,694$54,678
Loans Receivable, Net32,69430,78129,267
Mortgage-Backed Securities7081117
Investments296296451
Deposits53,08152,05349,049
Borrowings000
Equity5,6025,4235,316
Net Interest Income1,0362,0121,499
Fee Income159299230
Overhead1,0172,0211,444
Net Operating Income272473346
Net Income179312230
Ratio Analysis Profitability%%%
Return on Assets *0.590.550.58
Operating Return on Assets *0.890.830.88
Return on Equity *6.205.725.73
Net Interest Margin *3.713.713.99
Fee Income / Assets *0.540.530.62
Overhead / Assets *3.543.553.62
Efficiency Ratio78.9081.3980.45
Asset Quality%%%
Nonperforming Assets / Assets0.030.120.10
Nonperforming Assets / Equity & Loss Reserves0.351.270.98
Loss Reserves / Nonperforming Loans785.00222.54324.07
1-4 Fam Mtg + MBS / Assets22.6722.7622.85
Commercial Real Estate Loans / Assets5.225.576.44
Construction Loans / Assets4.593.953.23
Commercial & Industrial Loans / Assets8.016.345.43
Consumer Loans / Assets15.2415.0015.81
Capitalization%%%
Equity / Assets9.509.409.72
Tangible Capital / Tangible Assets9.479.379.69
Risk-based Capital Ratio21.3722.0122.28
Liquidity%%%
Loans / Deposits61.5959.1359.67
Non-Interest Bearing Deposits / Deposits19.9616.9119.87
Purchased Liabilities0.690.400.76

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