Angelina Savings Bank, FSB

Angelina Savings Bank, FSB is headquartered in Lufkin and is the 509^th largest bank in the state of Texas. It is also the 6,327^th largest bank in the nation. It was established in 1978 and as of December of 2011, it had grown to 23 employees at 1 location. Angelina Savings Bank, FSB has a 5-star health rating.

Data for Q4 2011

Institution Statistics Angelina Savings Bank, FSB OTS # 07743 FDIC Certificate # 32018 BankRate Report View Year Established 1978 Employees 23 Primary Regulator OCC Assets and Liabilities Assets $51.77 million Loans $30.26 million Deposits $46.05 million Equity Capital $5.39 million Loan Loss Allowance $190,000 Unbacked Noncurrent Loans $5,000 Historic Data - December 2010 Assets $51.63 million Equity Capital $5.36 million Loan Loss Allowance $183,000 Unbacked Noncurrent Loans $43,000 Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 0.67% Return on Equity 6.47% Interest Income $2.28 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Angelina Savings Bank, FSB had $5,000 in non-current loans and owned real-estate with $5.58 million in equity and loan loss allowances on hand to cover it. This gives Angelina Savings Bank, FSB a Texas Ratio of 0.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Angelina Savings Bank, FSB decreased significantly from 0.78% as of December 31, 2010 to 0.09% as of December 31, 2011, resulting in a positive change of 88.43%.This indicates that the balance sheet and financial strength for Angelina Savings Bank, FSB has improved significantly in recent periods. Deposit Growth In the past year, Angelina Savings Bank, FSB has increased its total deposits by $189,000, resulting in 0.41% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Angelina Savings Bank, FSB has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Angelina Savings Bank, FSB has $51.77 million in assets with $5.58 million in equity, resulting in a capitalization level of 10.77%, which is above average.

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