Arvest Trust Company, National Association

Rogers, AR · Cert 33148

FDIC

Q4 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Rogers, AR · Cert 33148

FDIC

Q4 2012

$2.8MAssets

n/aLoans

n/aDeposits

$1.8MEquity

Return on Assets (YTD, annualized)

-0.36%-87 bps YoY

Net Interest Margin (YTD, annualized)

0.47%-123 bps YoY

Efficiency Ratio (YTD, annualized)

99.93%+21 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2011	Q1 2012	Q2 2012	Q3 2012	Q4 2012	YoY Δ	Trend
Earnings
Return on Assets	0.51%	0.15%	-0.15%	-0.20%	-0.36%	-87 bps
Return on Equity	0.79%	0.23%	-0.23%	-0.30%	-0.57%	-135 bps
Net Interest Margin	1.70%	0.85%	0.59%	0.54%	0.47%	-123 bps
Efficiency Ratio	99.72%	99.83%	99.90%	99.92%	99.93%	+21 bps
Non-Interest Burden	0.04%	-0.14%	0.00%	0.05%	0.04%	0 bps
Growth
Asset Growth (YoY)	0.93%	-3.10%	-2.40%	-3.64%	3.70%	+278 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	143.79%	139.82%	139.98%	138.83%	112.74%	-3,105 bps
Equity / Assets	65.05%	65.12%	65.00%	64.97%	62.38%	-268 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a