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 -0.36%, down 87 bps year over year; NIM at 0.47%.

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
n/a

NIM

1.71%Q4 ’101.70%Q4 ’110.47%Q4 ’120%-72%

Non-interest income vs. expense

515%Q4 ’10595%Q4 ’11609%Q4 ’120%-1%

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.87%0.80%0.82%0.51%0.15%-0.15%-0.20%-0.36%-87 bps
Return on Equity1.35%1.23%1.27%0.79%0.23%-0.23%-0.30%-0.57%-135 bps
Net Interest Margin1.60%1.65%1.66%1.70%0.85%0.59%0.54%0.47%-123 bps
Efficiency Ratio99.69%99.73%99.72%99.72%99.83%99.90%99.92%99.93%+21 bps
Non-Interest Burden-0.15%0.07%0.05%0.04%-0.14%0.00%0.05%0.04%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