Simmons First National Bank

Simmons First National Bank is headquartered in Pine Bluff and is the 6^th largest bank in the state of Arkansas. It is also the 377^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 628 employees at 45 locations. Simmons First National Bank has a 4-star health rating.

Data for Q1 2012

Simmons First National Bank consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

3890 - Simmons First National Bank
16715 - Simmons First Bank of Northeast Arkansas
15233 - Simmons First Bank of Northwest Arkansas
3860 - Simmons First Bank of Eldorado
18590 - Simmons First Bank of South Arkansas
13081 - Simmons First Bank of Russellville
34473 - Simmons First Bank of Hot Springs
12696 - Simmons First Bank of Searcy

Institution Statistics Simmons First National Bank FDIC Certificate # 3890 BankRate Report View Year Established 1903 Employees 628 Primary Regulator OCC Assets and Liabilities Assets $1.83 billion Loans $860.70 million Deposits $1.49 billion Equity Capital $188.30 million Loan Loss Allowance $14.96 million Unbacked Noncurrent Loans $12.00 million Real Estate Owned $8.78 million Historic Data - March 2011 Assets $1.92 billion Equity Capital $180.48 million Loan Loss Allowance $14.63 million Unbacked Noncurrent Loans $11.23 million Real Estate Owned $8.49 million Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets 0.83% Return on Equity 8.15% Interest Income $18.42 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Simmons First National Bank had $20.78 million in non-current loans and owned real-estate with $203.26 million in equity and loan loss allowances on hand to cover it. This gives Simmons First National Bank a Texas Ratio of 10.22% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Simmons First National Bank held steady from 9.72% as of March 31, 2011 to 10.22% as of March 31, 2012, resulting in a negative change of 5.23%. This indicates that the balance sheet and financial strength for Simmons First National Bank has held steady in recent periods. Deposit Growth In the past year, Simmons First National Bank has increased its total deposits by $7.86 million, resulting in 0.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Simmons First National Bank has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Simmons First National Bank has $1.83 billion in assets with $203.26 million in equity, resulting in a capitalization level of 11.13%, which is above average.

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