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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 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	1,874,989	1,933,074	(3.00)	1,925,101	(10.41)
Loans Held for Sale, before Reserves	8,397	10,336	(18.76)	13,355	(148.50)
Loan Loss Reserve	25,016	25,841	(3.19)	25,830	(12.61)
Net Loans Receivable	1,858,370	1,917,569	(3.09)	1,912,626	(11.35)
Intangible Assets	62,374	63,180	(1.28)	62,575	(1.28)
Total Assets	3,093,322	2,923,109	5.82	2,915,437	24.41
Deposits	2,432,172	2,336,333	4.10	2,331,269	17.31
Debt, Senior and Subordinated	269,373	275,232	(2.13)	261,719	11.70
Common Equity	371,247	288,792	28.55	297,823	98.61
Total Shareholders' Equity	371,247	288,792	28.55	297,823	98.61
Shares Outstanding (actual)	17,093,931	13,960,680	22.44	14,045,631	86.81

Income Statement ($000)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Net Interest Income	25,221	23,780	6.06	25,393	(2.71)
Provision for Loan Losses	2,767	2,751	0.58	2,789	(3.16)
Noninterest Income	12,931	11,326	14.17	14,963	(54.32)
Noninterest Expense	25,806	24,580	4.99	26,307	(7.62)
Net Income Before Taxes	9,579	7,775	23.20	11,260	(59.72)
Provision for Taxes	2,774	2,149	29.08	3,600	(91.78)
Net Income	6,805	5,626	20.96	7,660	(44.65)

Per Share Items ($)
	2009 Q4	2008 Q4	Y-Y Ch (%)	2009 Q3	Q-Q Ch (%)^†
Book Value per Share	21.72	20.69	4.98	21.20	9.81
Tangible Book Value	18.07	16.16	11.80	16.75	31.65
Diluted EPS Before Extra	0.44	0.40	10.00	0.54	(74.07)
Diluted EPS After Extra	0.44	0.40	10.00	0.54	(74.07)
Dividends Declared	0.1900	0.1900	0.00	0.1900	0.00

Performance Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
ROAA	0.88	0.77	11	1.04	(16)
ROAE	8.06	7.85	21	10.20	(214)
Net Interest Margin	3.77	3.70	7	3.97	(20)
Loans / Deposits	77.09	82.74	(565)	82.58	(549)
Efficiency Ratio	64.49	67.29	(280)	62.35	214

Balance Sheet Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	10.19	7.89	230	8.25	194
Equity/ Assets	12.00	9.88	212	10.22	179
Asset Quality Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Nonperforming Assets/ Assets	1.05	0.64	41	0.79	26
Loan Loss Reserves/ Gross Loans	1.33	1.33	0	1.33	0
Loan Loss Reserves/ NPAs	80.20	148.81	(6,861)	120.50	(4,030)
Net Charge-offs/ Avg Loans	0.75	0.50	25	0.40	35

Regulatory Capital Ratios (%)
	2009 Q4	2008 Q4	Y-Y Ch (bp)	2009 Q3	Q-Q Ch (bp)
Tier 1 Capital Ratio	17.91	13.24	467	13.89	402

^† 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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