Arvest Bank

Joplin, MO · Cert 34012

FDIC

Q4 2001

$198.1MAssets

$177.3MLoans

$159.9MDeposits

$16.0MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	-1.97%	-1.39%	-1.08%	-1.05%	-1.02%	-0.54%	-1.08%	-2.20%	-115 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	-6.69%	-13.08%	-27.27%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.25%	3.51%	3.57%	3.69%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	111.55%	96.56%	100.25%	99.43%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	3.82%	3.32%	3.59%	3.65%	n/a
Growth
Asset Growth (YoY)	86.24%	78.41%	74.58%	39.27%	29.30%	22.81%	7.42%	13.75%	-2,553 bps
Loan Growth (YoY)	116.30%	93.73%	86.82%	47.46%	37.05%	32.21%	13.08%	18.59%	-2,887 bps
Deposit Growth (YoY)	84.24%	82.26%	86.64%	49.43%	35.00%	22.98%	6.00%	6.46%	-4,296 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.23%	0.80%	0.10%	1.74%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.35%	1.34%	1.73%	2.22%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	10.16%	10.87%	10.44%	10.74%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	7.60%	8.47%	8.02%	8.09%	n/a
Liquidity & Funding
Loans / Deposits	99.05%	98.17%	99.78%	99.57%	100.55%	105.54%	106.45%	110.91%	+1,134 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.03%	0.02%	0.02%	0.03%	+3 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a