Simmons First Bank of Dumas

Dumas, AR · Cert 21456

FDIC

Q3 2001

$35.1MAssets

$21.9MLoans

$29.4MDeposits

$4.2MEquity

Deposit mix

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

Year to date, annualized, through each quarter.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	1.54%	1.54%	1.56%	1.61%	1.60%	1.79%	1.70%	1.78%	+17 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.76%	3.72%	3.79%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	46.05%	47.21%	45.48%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	0.98%	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 / 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	n/a	0.00%	0.04%	0.04%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.68%	1.61%	1.64%	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	n/a	17.07%	16.57%	16.69%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	11.66%	11.63%	11.93%	n/a
Liquidity & Funding
Loans / Deposits	62.22%	57.64%	69.60%	72.60%	66.28%	68.02%	71.17%	74.47%	+186 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	15.02%	15.69%	13.42%	+1,342 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a