PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arvest Trust Company, National Association

Rogers, AR · Cert 33148

FDIC

Q4 2012

$2.8MAssets
n/aLoans
n/aDeposits
$1.8MEquity

Executive Summary

  • Earnings: ROA of -0.86%, down 43 bps year over year; NIM at 0.29%.

Return on Assets (quarter, annualized)

-0.86%-43 bps YoY

Net Interest Margin (quarter, annualized)

0.29%-134 bps YoY

Efficiency Ratio (quarter, annualized)

99.95%+23 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.63%Q4 ’101.63%Q4 ’110.29%Q4 ’120%-82%

Non-interest income vs. expense

523%Q4 ’10585%Q4 ’11622%Q4 ’12-100%

Discrete quarter, annualized.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.87%0.72%0.86%-0.43%0.15%-0.44%-0.29%-0.86%-43 bps
Return on Equity1.35%1.12%1.35%-0.67%0.23%-0.68%-0.45%-1.36%-68 bps
Net Interest Margin1.60%1.72%1.71%1.63%0.85%0.29%0.44%0.29%-134 bps
Efficiency Ratio99.69%99.76%99.70%99.72%99.83%99.98%99.95%99.95%+23 bps
Non-Interest Burden-0.15%0.29%0.00%0.00%-0.14%0.15%0.15%0.00%0 bps
Growth
Asset Growth (YoY)3.70%3.49%5.06%0.93%-3.10%-2.40%-3.64%3.70%+278 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital143.55%142.78%137.43%143.79%139.82%139.98%138.83%112.74%-3,105 bps
Equity / Assets63.63%64.01%63.13%65.05%65.12%65.00%64.97%62.38%-268 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a