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Simmons First | Investor Relations

Financial Highlights

SIMMONS FIRST NATIONAL CORPORATION (NASDAQ - SFNC)

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	1,849,359	1,673,388	10.52	1,922,119	(15.14)
Loans Held for Sale, before Reserves	19,100	24,351	(21.56)	25,367	(98.82)
Loan Loss Reserve	27,735	28,325	(2.08)	27,882	(2.11)
Net Loans Receivable	1,840,724	1,669,414	10.26	1,919,604	(16.44)
Intangible Assets	64,229	62,110	3.41	64,365	(0.85)
Total Assets	3,543,561	3,320,053	6.73	3,527,489	1.82
Deposits	2,892,664	2,654,577	8.97	2,874,163	2.57
Debt, Senior and Subordinated	210,493	227,466	(7.46)	214,139	(6.81)
Common Equity	406,454	409,312	(0.70)	406,062	0.39
Total Shareholders' Equity	406,454	409,312	(0.70)	406,062	0.39
Shares Outstanding (actual)	16,509,666	17,182,526	(3.92)	16,542,778	(0.80)

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	30,075	27,718	8.50	30,607	(6.95)
Provision for Loan Losses	919	771	19.20	1,295	(116.14)
Noninterest Income	11,313	10,723	5.50	12,450	(36.53)
Noninterest Expense	31,672	28,637	10.60	31,085	7.55
Net Income Before Taxes	8,557	9,033	(5.27)	11,889	(112.10)
Provision for Taxes	2,620	2,678	(2.17)	3,856	(128.22)
Net Income	5,937	6,355	(6.58)	8,033	(104.37)

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	24.62	23.82	3.35	24.55	1.19
Tangible Book Value	20.73	20.21	2.58	20.66	1.42
Diluted EPS Before Extra	0.36	0.37	(2.70)	0.48	(100.00)
Diluted EPS After Extra	0.36	0.37	(2.70)	0.48	(100.00)
Dividends Declared	0.2100	0.2000	5.00	0.2000	20.00

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	0.68	0.78	(10)	0.90	(22)
ROAE	5.89	6.21	(32)	7.83	(194)
Net Interest Margin	4.01	3.93	8	3.99	2
Loans / Deposits	63.93	63.04	89	66.88	(294)
Efficiency Ratio	73.49	71.53	196	69.34	415

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	9.84	10.66	(82)	9.87	(3)
Equity/ Assets	11.47	12.33	(86)	11.51	(4)
Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.20	1.14	6	1.29	(9)
Loan Loss Reserves/ Gross Loans	1.48	1.67	(18)	1.43	5
Loan Loss Reserves/ NPAs	54.96	62.65	(769)	51.91	305
Net Charge-offs/ Avg Loans	0.25	0.65	(40)	0.38	(12)

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	19.63	22.23	(260)	19.08	55

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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