PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Simmons First Trust Company, N.A.

Pine Bluff, AR · Cert 35526

FDIC

Q4 2015

$6.2MAssets
n/aLoans
$34KDeposits
$4.5MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $34KQ4 2014Q4 2015

NIM

0.11%Q4 ’130.08%Q4 ’140.08%Q4 ’15-27%+25%

Non-interest income vs. expense

254%Q4 ’13207%Q4 ’1498.10%Q4 ’15-7%+40%

Executive Summary

  • Earnings: ROA of 23.23%, down 875 bps year over year; NIM at 0.10%.
  • Capital: tier 1 leverage ratio of 59.01%.
  • Funding: loans stand at 0.00% of deposits as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

23.23%-875 bps YoY

Net Interest Margin (YTD, annualized)

0.10%+2 bps YoY

Efficiency Ratio (YTD, annualized)

71.31%-578 bps YoY

Tier 1 Leverage Ratio

59.01%

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets31.98%30.45%26.14%26.33%23.23%-875 bps
Return on Equity50.77%50.69%41.97%41.74%35.74%-1,503 bps
Net Interest Margin0.08%0.00%0.10%0.06%0.10%+2 bps
Efficiency Ratio77.09%66.85%69.59%68.50%71.31%-578 bps
Non-Interest Burden-58.84%-53.10%-43.00%-42.40%-35.28%+2,355 bps
Growth
Asset Growth (YoY)182.10%211%173.58%158.04%14.37%-16,773 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)213%62.79%-40.24%0.00%-32.00%-24,450 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/a53.01%55.84%60.90%59.01%n/a
Total Risk-Based Capital539%50.09%94.90%108.42%122.94%-41,595 bps
Equity / Assets57.25%62.78%66.52%65.17%72.18%+1,493 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a