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SAFE & SOUND® STAR RATINGS

ARGENT TRUST COMPANY, NATIONAL ASSOCIATION

305 S VIENNA ST
RUSTON, Louisiana 72170

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 1496150




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$6,975$7,248$6,312
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments0100100
Deposits000
Borrowings000
Equity5,7026,2095,755
Net Interest Income201920
Fee Income5,0756,8387,248
Overhead5,8096,5406,708
Net Operating Income-219744762
Net Income-207454501
Ratio Analysis Profitability%%%
Return on Assets *-1.396.777.95
Operating Return on Assets *-0.5911.0912.09
Return on Equity *-1.637.528.60
Net Interest Margin *2.171.081.15
Fee Income / Assets *98.83101.92114.99
Overhead / Assets *106.4297.47106.43
Efficiency Ratio103.9289.7989.80
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 / Assets81.7585.6791.18
Tangible Capital / Tangible Assets81.7585.6791.18
Risk-based Capital Ratio356.82113.12138.01
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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