PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Arvest Bank

Siloam Springs, AR · Cert 14648

FDIC

Q4 2001

$250.2MAssets
$187.2MLoans
$214.1MDeposits
$18.7MEquity
Loan mix
83%RE $90.9M15%C&I $16.8M1%Consumer $1.5MQ4 2000Q4 2001
Deposit mix
89%Interest-bearing $189.7M11%Noninterest $24.4MQ4 2000Q4 2001

NIM

8.11%Q1 ’017.69%Q3 ’017.51%Q4 ’01-1%+1%

Non-interest income vs. expense

3.62%Q1 ’013.59%Q3 ’013.66%Q4 ’01-9%-1%

Executive Summary

  • Earnings: ROA of 1.31%, up 25 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 87.45% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

1.31%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.09%

Efficiency Ratio (YTD, annualized)

62.91%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.06%1.26%1.28%1.27%1.31%+25 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a4.12%4.08%4.06%4.09%n/a
Efficiency Ration/a64.81%63.34%63.02%62.91%n/a
Non-Interest Burdenn/a2.15%2.01%1.95%1.93%n/a
Growth
Asset Growth (YoY)22.01%18.00%20.64%5.42%0.68%-2,134 bps
Loan Growth (YoY)31.92%25.34%20.33%9.21%-1.08%-3,300 bps
Deposit Growth (YoY)26.41%22.28%25.27%7.96%2.13%-2,428 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.23%0.31%0.29%0.27%n/a
Allowance / Loansn/a1.31%1.32%1.36%1.33%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a10.82%10.58%10.64%11.08%n/a
Equity / Assetsn/a7.34%7.05%7.13%7.48%n/a
Liquidity & Funding
Loans / Deposits90.29%88.40%85.22%85.15%87.45%-284 bps
Liquid Assets / Assets0.00%0.43%0.23%0.20%0.22%+22 bps
CRE / Total Capitaln/an/an/an/an/an/an/a