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Simmons First Bank of Northwest Arkansas

Rogers, AR · Cert 15233

FDIC

Q3 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Simmons First Bank of Northwest Arkansas

Rogers, AR · Cert 15233

FDIC

Q3 2013

$245.6MAssets
$140.2MLoans
$200.3MDeposits
$37.7MEquity
Loan mix
88%RE $94.6M9%C&I $9.7M3%Consumer $3.6MQ3 2012Q3 2013
Deposit mix
82%Interest-bearing $164.5M18%Noninterest $35.9MQ3 2012Q3 2013

NIM

3.58%Q3 ’113.25%Q3 ’123.12%Q3 ’13-1%+0%

Non-interest income vs. expense

3.16%Q3 ’113.29%Q3 ’123.23%Q3 ’13+7%+3%

Executive Summary

  • Earnings: ROA of 0.21%, up 21 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.64%.
  • Funding: loans stand at 69.99% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.21%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.78%0 bps YoY

Efficiency Ratio (YTD, annualized)

89.87%+163 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.00%0.01%0.16%0.11%0.21%+21 bps
Return on Equity0.00%0.05%1.04%0.71%1.38%+138 bps
Net Interest Margin2.78%2.82%2.75%2.72%2.78%0 bps
Efficiency Ratio88.24%89.92%92.23%94.30%89.87%+163 bps
Non-Interest Burden2.34%2.44%2.47%2.53%2.42%+7 bps
Growth
Asset Growth (YoY)-4.37%-2.56%-2.72%-2.23%-1.00%+337 bps
Loan Growth (YoY)-7.30%-3.90%1.59%-0.41%6.32%+1,363 bps
Deposit Growth (YoY)-4.93%-2.81%-2.22%-1.79%0.05%+499 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.15%0.91%0.45%1.01%0.64%-51 bps
Allowance / Loans2.44%2.53%2.41%2.13%2.06%-38 bps
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 Capital21.71%22.21%21.91%21.97%21.29%-42 bps
Equity / Assets15.12%15.41%14.98%15.34%15.37%+24 bps
Liquidity & Funding
Loans / Deposits65.86%66.90%65.63%66.66%69.99%+413 bps
Liquid Assets / Assets20.46%23.44%24.11%21.06%19.29%-117 bps
CRE / Total Capitaln/an/an/an/an/an/an/a