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Arvest Bank

Joplin, MO · Cert 34012

FDIC

Q4 2001

$198.1MAssets
$177.3MLoans
$159.9MDeposits
$16.0MEquity
Loan mix
52%RE $49.5M46%C&I $43.4M1%Consumer $1.4MQ4 2000Q4 2001
Deposit mix
89%Interest-bearing $141.6M11%Noninterest $18.3MQ4 2000Q4 2001

NIM

7.78%Q1 ’017.13%Q3 ’016.50%Q4 ’01+10%+3%

Non-interest income vs. expense

5.57%Q1 ’015.84%Q3 ’016.04%Q4 ’01-6%+2%

Executive Summary

  • Earnings: ROA of -2.20%, down 115 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.74%.
  • Funding: loans stand at 110.91% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

-2.20%-115 bps YoY

Net Interest Margin (quarter, annualized)

3.69%

Efficiency Ratio (quarter, annualized)

99.43%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets-1.05%-1.02%-0.54%-1.08%-2.20%-115 bps
Return on Equityn/an/a-6.69%-13.08%-27.27%n/a
Net Interest Marginn/a3.25%3.51%3.57%3.69%n/a
Efficiency Ration/a111.55%96.56%100.25%99.43%n/a
Non-Interest Burdenn/a3.82%3.32%3.59%3.65%n/a
Growth
Asset Growth (YoY)39.27%29.30%22.81%7.42%13.75%-2,553 bps
Loan Growth (YoY)47.46%37.05%32.21%13.08%18.59%-2,887 bps
Deposit Growth (YoY)49.43%35.00%22.98%6.00%6.46%-4,296 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.23%0.80%0.10%1.74%n/a
Allowance / Loansn/a1.35%1.34%1.73%2.22%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/a10.16%10.87%10.44%10.74%n/a
Equity / Assetsn/a7.60%8.47%8.02%8.09%n/a
Liquidity & Funding
Loans / Deposits99.57%100.55%105.54%106.45%110.91%+1,134 bps
Liquid Assets / Assets0.00%0.03%0.02%0.02%0.03%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a