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Financial Highlights

SIMMONS FIRST NATIONAL CORPORATION (NASDAQ - SFNC)

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

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Balance Sheet ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	1,925,101	1,936,279	(0.58)	1,943,460	(3.78)
Loans Held for Sale, before Reserves	13,355	4,377	205.12	14,868	(40.70)
Loan Loss Reserve	25,830	25,548	1.10	25,032	12.75
Net Loans Receivable	1,912,626	1,915,108	(0.13)	1,933,296	(4.28)
Intangible Assets	62,575	63,382	(1.27)	62,777	(1.29)
Total Assets	2,915,437	2,860,192	1.93	2,897,831	2.43
Deposits	2,331,269	2,294,392	1.61	2,319,144	2.09
Debt, Senior and Subordinated	261,719	262,501	(0.30)	263,519	(2.73)
Common Equity	297,823	280,817	6.06	292,215	7.68
Total Shareholders' Equity	297,823	280,817	6.06	292,215	7.68
Shares Outstanding (actual)	14,045,631	13,958,932	0.62	14,036,274	0.27

Income Statement ($000)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Net Interest Income	25,393	24,347	4.30	23,720	28.21
Provision for Loan Losses	2,789	2,214	25.97	2,622	25.48
Noninterest Income	14,963	11,288	32.56	13,214	52.94
Noninterest Expense	26,307	24,441	7.63	25,451	13.45
Net Income Before Taxes	11,260	8,980	25.39	7,505	200.13
Provision for Taxes	3,600	2,506	43.66	1,996	321.44
Net Income	7,660	6,474	18.32	5,509	156.18

Per Share Items ($)
	2009 Q3	2008 Q3	Y-Y Ch (%)	2009 Q2	Q-Q Ch (%)^†
Book Value per Share	21.20	20.12	5.37	20.82	7.30
Tangible Book Value	16.75	15.58	7.49	16.35	9.75
Diluted EPS Before Extra	0.54	0.46	17.39	0.39	153.85
Diluted EPS After Extra	0.54	0.46	17.39	0.39	153.85
Dividends Declared	0.1900	0.1900	0.00	0.1900	0.00

Performance Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
ROAA	1.04	0.89	15	0.75	29
ROAE	10.20	9.11	109	7.48	272
Net Interest Margin	3.97	3.84	13	3.71	26
Loans / Deposits	82.58	84.39	(181)	83.80	(122)
Efficiency Ratio	62.35	65.95	(360)	65.97	(362)

Balance Sheet Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	8.25	7.77	47	8.09	15
Equity/ Assets	10.22	9.82	40	10.08	13
Asset Quality Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Nonperforming Assets/ Assets	0.79	0.63	16	0.78	1
Loan Loss Reserves/ Gross Loans	1.33	1.32	2	1.28	5
Loan Loss Reserves/ NPAs	120.50	154.93	(3,443)	116.38	412
Net Charge-offs/ Avg Loans	0.40	0.51	(10)	0.43	(3)

Regulatory Capital Ratios (%)
	2009 Q3	2008 Q3	Y-Y Ch (bp)	2009 Q2	Q-Q Ch (bp)
Tier 1 Capital Ratio	13.89	12.54	135	13.58	31

^† 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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