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Simmons First Bank of Dumas

Dumas, AR · Cert 21456

FDIC

Q3 2001

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 2001, the quarter ended September 30, 2001, 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 Dumas

Dumas, AR · Cert 21456

FDIC

Q3 2001

$35.1MAssets
$21.9MLoans
$29.4MDeposits
$4.2MEquity
Deposit mix
89%Interest-bearing $26.1M11%Noninterest $3.3MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 1.78%, up 17 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 74.47% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

1.78%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.79%

Efficiency Ratio (YTD, annualized)

45.48%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.63%Q1 ’017.42%Q2 ’017.34%Q3 ’01-1%+2%

Non-interest income vs. expense

2.37%Q1 ’012.31%Q2 ’012.25%Q3 ’01+15%-3%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.54%1.54%1.56%1.61%1.60%1.79%1.70%1.78%+17 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.76%3.72%3.79%n/a
Efficiency Ration/an/an/an/an/a46.05%47.21%45.48%n/a
Non-Interest Burdenn/an/an/an/an/a0.98%1.13%1.09%n/a
Growth
Asset Growth (YoY)0.97%5.50%0.40%8.95%6.68%0.15%4.51%0.94%-800 bps
Loan Growth (YoY)3.37%0.60%10.99%11.96%13.16%16.33%5.95%0.40%-1,156 bps
Deposit Growth (YoY)0.88%5.61%-0.09%7.77%6.23%-1.42%3.61%-2.11%-988 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.00%0.04%0.04%n/a
Allowance / Loansn/an/an/an/an/a1.68%1.61%1.64%n/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 Capitaln/an/an/an/an/a17.07%16.57%16.69%n/a
Equity / Assetsn/an/an/an/an/a11.66%11.63%11.93%n/a
Liquidity & Funding
Loans / Deposits62.22%57.64%69.60%72.60%66.28%68.02%71.17%74.47%+186 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%15.02%15.69%13.42%+1,342 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a