SAFE & SOUND® STAR RATINGS

Financial statement

ARGENT TRUST COMPANY, NATIONAL ASSOCIATION
305 S VIENNA ST
RUSTON, Louisiana 72170

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 1496150




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$6,312$6,787$6,989
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments1000226
Deposits000
Borrowings000
Equity5,7556,2546,334
Net Interest Income202434
Fee Income7,24800
Overhead6,7088,0388,062
Net Operating Income762944950
Net Income501620632
Ratio Analysis Profitability%%%
Return on Assets *7.958.919.60
Operating Return on Assets *12.0913.5714.43
Return on Equity *8.609.7410.31
Net Interest Margin *1.151.021.72
Fee Income / Assets *114.990.000.00
Overhead / Assets *106.43115.55122.47
Efficiency Ratio89.8089.4989.46
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 / Assets91.1892.1590.63
Tangible Capital / Tangible Assets91.1892.1590.63
Risk-based Capital Ratio138.01150.88145.88
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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