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SAFE & SOUND® STAR RATINGS

ARGENT TRUST COMPANY, NATIONAL ASSOCIATION

305 S VIENNA ST
RUSTON, Louisiana 72170

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 1496150




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$7,258$7,248$6,312
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments100100100
Deposits000
Borrowings000
Equity6,2266,2095,755
Net Interest Income31920
Fee Income1,8346,8387,248
Overhead1,8606,5406,708
Net Operating Income28744762
Net Income17454501
Ratio Analysis Profitability%%%
Return on Assets *4.566.777.95
Operating Return on Assets *7.5711.0912.09
Return on Equity *5.187.528.60
Net Interest Margin *1.281.081.15
Fee Income / Assets *101.58101.92114.99
Overhead / Assets *100.9697.47106.43
Efficiency Ratio98.5289.7989.80
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets0.000.000.00
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.000.000.00
Capitalization%%%
Equity / Assets85.7885.6791.18
Tangible Capital / Tangible Assets85.7885.6791.18
Risk-based Capital Ratio125.35113.12138.01
Liquidity%%%
Loans / Depositsn/an/an/a
Non-Interest Bearing Deposits / Depositsn/an/an/a
Purchased Liabilities0.000.000.00

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