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SAFE & SOUND® STAR RATINGS

Financial statement

ARVEST TRUST COMPANY, NATIONAL ASSOCIATION
201 WEST WALNUT
ROGERS, Arkansas 72756

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 1480207




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$2,828$2,727$2,702
Loans Receivable, Net000
Mortgage-Backed Securities000
Investments2,1092,1142,148
Deposits000
Borrowings000
Equity1,7641,7741,781
Net Interest Income134646
Fee Income101136113
Overhead16,67116,07813,888
Net Operating Income124545
Net Income-101416
Ratio Analysis Profitability%%%
Return on Assets *-0.360.500.59
Operating Return on Assets *0.441.621.66
Return on Equity *-0.570.790.90
Net Interest Margin *0.612.162.14
Fee Income / Assets *3.674.924.19
Overhead / Assets *605.67581.69514.99
Efficiency Ratio99.9399.7299.68
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets0.000.000.00
Commercial Real Estate Loans / Assets0.000.000.00
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets0.000.000.00
Consumer Loans / Assets0.000.000.00
Capitalization%%%
Equity / Assets62.3865.0565.91
Tangible Capital / Tangible Assets62.3865.0565.91
Risk-based Capital Ratio112.74143.79178.01
Liquidity%%%
Loans / Depositsn/an/an/a
Non-Interest Bearing Deposits / Depositsn/an/an/a
Purchased Liabilities0.000.000.00

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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