FDIC Certificate #: 32018 Status: Active Federal Reserve ID: 660879 Date Established: January 01, 1978 WWW:http://www.angelinabank.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 7743 FDIC's unique #: 44852 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: May 29, 1980 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 1721 Tulane Drive, Lufkin, TX 75901 County: Angelina Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Houston Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Lufkin, TX (#31260) CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $51.8 mil Equity capital: $5.4 mil Deposits held in domestic offices: $46.0 mil Return on assets (ROA): 0.67% ($0.3 mil) Quarterly return on assets: 0.62% ($0.3 mil) Return on Equity (ROE): 6.47% ($0.3 mil) Quarterly return on equity: 6.06% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.01% ($522.9 mil) Quarterly Pretax return on assets: 0.93% ($481.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
23Total employees (full-time equivalent)
$51,768Total assets
$19,152Cash and due from depository institutions
$16,598Interest-bearing balances
$593Securities
$0Federal funds sold & reverse repurchase agreements
$30,255Net loans & leases
$190Loan loss allowance
$0Trading account assets
$1,111Bank premises and fixed assets
$0Other real estate owned
$18Goodwill and other intangibles
$51,768Life insurance assets
$639All other assets
$46,382Total liabilities and capital
$46,050Total liabilities
$38,306Total deposits
$46,050Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$332Subordinated debt
$5,386All other liabilities
$5,386Total equity capital
$5,386Total bank equity capital
$0Perpetual preferred stock
$956Common stock
$258Surplus
$4,172Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5Income earned, not collected on loans
$0Earning assets
$174Long-term assets (5+ years)
$47,446Average Assets, year-to-date
$0Average Assets, quarterly
$52,626Volatile liabilities
$52,649Insider loans
$24,868FHLB advances
$51,750Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,368Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$677Restructured Loans and leases
$181Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,282Total interest income
$241Total interest expense
$2,041Net interest income
$15Provision for loan and lease losses
$486Total noninterest income
$0Fiduciary activities
$347Service charges on deposit accounts
$0Trading account gains & fees
$139Additional noninterest income
$1,983Total noninterest expense
$1,186Salaries and employee benefits
$424Premises and equipment expense
$373Additional noninterest expense
$529Pre-tax net operating income
$0Securities gains (losses)
$179Applicable income taxes
$350Income before extraordinary items
$0Extraordinary gains - net
$350Net income attributable to bank
$0Net charge-offs
$350Cash dividends
$8Sale, conversion, retirement of capital stock, net
$328Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
0.51%Cost of funding earning assets
4.31%Net interest margin
1.03%Noninterest income to earning assets
4.19%Noninterest expense to earning assets
0.67%Net operating income to assets
0.67%Return on assets (ROA)
1.01%Pretax return on assets
6.47%Return on equity (ROE)
0.41%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
187.50%Credit loss provision to net charge-offs
68.00%Efficiency ratio
78,472Assets per employee
2.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
93.71%Loss allowance to loans
0.62%Loss allowance to noncurrent loans
3800.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.02%Net loans and leases to deposits
65.70%Net loans and leases to core deposits
66.46%Equity capital to assets
10.40%Core capital (leverage) ratio
10.37%Tier 1 risk-based capital ratio
21.59%Total risk-based capital ratio
Memoranda
$22Average assets
$52,626Average earning assets
$5,406Average equity
$47,306Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
44852
Angelina Savings Bank, Fsb
1721 Tulane Drive, Lufkin, TX 75901
January 01, 1978
Full Service Brick and Mortar
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