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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

0.22%Q4 ’130.32%Q4 ’140.18%Q4 ’15+47%-25%

Non-interest income vs. expense

258%Q4 ’13245%Q4 ’14110.12%Q4 ’15-14%+71%

Executive Summary

  • Earnings: ROA of 13.82%, down 1,766 bps year over year; NIM at 0.24%.
  • 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 (quarter, annualized)

13.82%-1,766 bps YoY

Net Interest Margin (quarter, annualized)

0.24%-8 bps YoY

Efficiency Ratio (quarter, annualized)

79.64%+744 bps YoY

Tier 1 Leverage Ratio

59.01%

Discrete quarter, annualized.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets31.48%30.45%21.93%27.32%13.82%-1,766 bps
Return on Equity53.77%50.69%33.91%41.52%20.16%-3,361 bps
Net Interest Margin0.32%0.00%0.20%0.00%0.24%-8 bps
Efficiency Ratio72.21%66.85%72.58%66.38%79.64%+744 bps
Non-Interest Burden-83.13%-53.10%-36.60%-46.46%-24.26%+5,887 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