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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 December 31, 2014
Federal Reserve System Identifier 1496150




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$7,248$6,312$6,787
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments1001000
Deposits000
Borrowings000
Equity6,2095,7556,254
Net Interest Income192024
Fee Income6,8387,2480
Overhead6,5406,7088,038
Net Operating Income744762944
Net Income454501620
Ratio Analysis Profitability%%%
Return on Assets *6.777.958.91
Operating Return on Assets *11.0912.0913.57
Return on Equity *7.528.609.74
Net Interest Margin *1.081.151.02
Fee Income / Assets *101.92114.990.00
Overhead / Assets *97.47106.43115.55
Efficiency Ratio89.7989.8089.49
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 / Assets85.6791.1892.15
Tangible Capital / Tangible Assets85.6791.1892.15
Risk-based Capital Ratio113.12138.01150.88
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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