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 September 30, 2014
Federal Reserve System Identifier 660879




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$59,593$57,694$54,678
Loans Receivable, Net32,83530,78129,267
Mortgage-Backed Securities6581117
Investments296296451
Deposits53,94252,05349,049
Borrowings000
Equity5,3925,4235,316
Net Interest Income1,5692,0121,499
Fee Income239299230
Overhead1,5352,0211,444
Net Operating Income406473346
Net Income267312230
Ratio Analysis Profitability%%%
Return on Assets *0.610.550.58
Operating Return on Assets *0.930.830.88
Return on Equity *6.455.725.73
Net Interest Margin *3.763.713.99
Fee Income / Assets *0.550.530.62
Overhead / Assets *3.533.553.62
Efficiency Ratio78.7681.3980.45
Asset Quality%%%
Nonperforming Assets / Assets0.050.120.10
Nonperforming Assets / Equity & Loss Reserves0.521.270.98
Loss Reserves / Nonperforming Loans520.69222.54324.07
1-4 Fam Mtg + MBS / Assets22.6722.7622.85
Commercial Real Estate Loans / Assets5.035.576.44
Construction Loans / Assets4.663.953.23
Commercial & Industrial Loans / Assets7.646.345.43
Consumer Loans / Assets15.1915.0015.81
Capitalization%%%
Equity / Assets9.059.409.72
Tangible Capital / Tangible Assets9.029.379.69
Risk-based Capital Ratio20.5222.0122.28
Liquidity%%%
Loans / Deposits60.8759.1359.67
Non-Interest Bearing Deposits / Deposits21.1416.9119.87
Purchased Liabilities0.710.400.76

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