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Letter portraitLegal landscapeQuarterYTD

Simmons First Bank of El Dorado, N.A.

El Dorado, AR · Cert 3860

FDIC · 3 branches

Q2 2014

$231.1MAssets
$80.1MLoans
$200.4MDeposits
$18.8MEquity
Loan mix
69%RE $45.4M25%C&I $16.4M6%Consumer $4.2MQ2 2013Q2 2014
Deposit mix
74%Interest-bearing $147.7M26%Noninterest $52.7MQ2 2013Q2 2014

NIM

3.07%Q2 ’122.64%Q2 ’132.36%Q2 ’14-9%-10%

Non-interest income vs. expense

2.11%Q2 ’122.31%Q2 ’132.01%Q2 ’14+5%-15%

Executive Summary

  • Earnings: ROA of 0.77%, down 3 bps year over year; NIM at 2.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.51%.
  • Funding: loans stand at 39.98% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.77%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.22%-24 bps YoY

Efficiency Ratio (YTD, annualized)

63.81%-207 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.80%0.75%0.75%0.75%0.77%-3 bps
Return on Equity9.56%8.91%8.91%8.83%9.24%-32 bps
Net Interest Margin2.46%2.47%2.47%2.28%2.22%-24 bps
Efficiency Ratio65.88%68.11%67.96%66.51%63.81%-207 bps
Non-Interest Burden1.26%1.35%1.33%1.21%1.08%-18 bps
Growth
Asset Growth (YoY)-6.23%-4.66%-4.25%1.14%7.94%+1,417 bps
Loan Growth (YoY)-5.02%0.96%3.17%3.80%3.22%+824 bps
Deposit Growth (YoY)-4.60%-2.46%-2.29%1.68%9.42%+1,401 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.06%0.02%0.15%-0.01%0.51%+57 bps
Allowance / Loans1.73%1.82%1.83%2.01%1.90%+17 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital19.47%19.34%19.15%19.39%18.93%-54 bps
Equity / Assets8.54%8.59%8.58%8.38%8.15%-39 bps
Liquidity & Funding
Loans / Deposits42.38%43.68%43.93%41.28%39.98%-240 bps
Liquid Assets / Assets40.54%38.72%39.92%42.99%42.70%+215 bps
CRE / Total Capitaln/an/an/an/an/an/an/a