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 March 31, 2014
Federal Reserve System Identifier 1496150




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$6,281$6,312$6,787
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments1001000
Deposits000
Borrowings000
Equity5,9095,7556,254
Net Interest Income12024
Fee Income1,6157,2480
Overhead1,3866,7088,038
Net Operating Income246762944
Net Income154501620
Ratio Analysis Profitability%%%
Return on Assets *7.827.958.91
Operating Return on Assets *12.0912.0913.57
Return on Equity *8.438.609.74
Net Interest Margin *0.861.151.02
Fee Income / Assets *108.19114.990.00
Overhead / Assets *97.55106.43115.55
Efficiency Ratio84.9389.8089.49
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 / Assets94.0891.1892.15
Tangible Capital / Tangible Assets94.0891.1892.15
Risk-based Capital Ratio149.56138.01150.88
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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