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 (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.

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%	35.26%	36.27%	31.98%	30.45%	26.14%	26.33%	23.23%	-875 bps
Return on Equity	39.96%	51.07%	54.36%	50.77%	50.69%	41.97%	41.74%	35.74%	-1,503 bps
Net Interest Margin	0.00%	0.11%	0.00%	0.08%	0.00%	0.10%	0.06%	0.10%	+2 bps
Efficiency Ratio	83.95%	80.63%	79.27%	77.09%	66.85%	69.59%	68.50%	71.31%	-578 bps
Non-Interest Burden	-53.56%	-63.46%	-65.15%	-58.84%	-53.10%	-43.00%	-42.40%	-35.28%	+2,355 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