Simmons First Trust Company, N.A.

Pine Bluff, AR · Cert 35526

FDIC

Q4 2015

$6.2MAssets

n/aLoans

$34KDeposits

$4.5MEquity

Deposit mix

Executive Summary

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.

Metric	Q1 2014	Q2 2014	Q3 2014	Q4 2014	Q1 2015	Q2 2015	Q3 2015	Q4 2015	YoY Δ	Trend
Earnings
Return on Assets	28.97%	42.51%	38.97%	31.48%	30.45%	21.93%	27.32%	13.82%	-1,766 bps
Return on Equity	39.96%	60.60%	62.78%	53.77%	50.69%	33.91%	41.52%	20.16%	-3,361 bps
Net Interest Margin	0.00%	0.22%	-0.21%	0.32%	0.00%	0.20%	0.00%	0.24%	-8 bps
Efficiency Ratio	83.95%	77.61%	76.80%	72.21%	66.85%	72.58%	66.38%	79.64%	+744 bps
Non-Interest Burden	-53.56%	-76.87%	-77.72%	-83.13%	-53.10%	-36.60%	-46.46%	-24.26%	+5,887 bps
Growth
Asset Growth (YoY)	11.41%	18.49%	38.91%	182.10%	211%	173.58%	158.04%	14.37%	-16,773 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	438%	645%	257%	213%	62.79%	-40.24%	0.00%	-32.00%	-24,450 bps
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	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	53.01%	55.84%	60.90%	59.01%	n/a
Total Risk-Based Capital	260%	244%	243%	539%	50.09%	94.90%	108.42%	122.94%	-41,595 bps
Equity / Assets	78.57%	62.95%	61.36%	57.25%	62.78%	66.52%	65.17%	72.18%	+1,493 bps
Liquidity & Funding
Loans / Deposits	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a