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Financial HighlightsSIMMONS FIRST NATIONAL CORPORATION (NASDAQ - SFNC)  
Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves4,919,3552,737,58879.704,853,0945.46
Loans Held for Sale, before Reserves30,26521,26542.3215,556378.22
Loan Loss Reserve31,35129,9824.5730,38012.78
Net Loans Receivable4,918,2692,728,87180.234,838,2706.61
Intangible AssetsNA129,070NA357,945NA
Total Assets7,557,8164,643,35462.777,559,694(0.10)
Deposits6,086,0963,860,71857.646,089,800(0.24)
Debt, Senior and Subordinated322,257245,88831.06345,769(27.20)
Common Equity1,044,161494,319111.231,014,58911.66
Total Shareholders' Equity1,075,013494,319117.471,045,44111.31
Shares Outstanding (actual)30,278,43218,052,48867.7229,939,2524.53
Income Statement ($000)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Net Interest Income73,75147,31955.8678,676(25.04)
Provision for Loan Losses3,2303,607(10.45)1,615400.00
Noninterest Income28,56713,783107.2628,815(3.44)
Noninterest Expense64,52349,05331.5466,597(12.46)
Net Income Before Taxes31,36418,30871.3132,638(15.61)
Provision for Taxes7,5055,66932.3910,963(126.17)
Net Income23,85912,64088.7621,67540.30
Per Share Items ($)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Book Value per Share34.4927.3825.9433.897.05
Tangible Book ValueNA20.23NA21.93NA
Diluted EPS Before Extra0.780.728.330.7233.33
Diluted EPS After Extra0.780.728.330.7233.33
Dividends Declared0.23000.22004.550.23000.00
Performance Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
ROAA1.251.07181.1312
ROAE8.9810.20(122)8.3068
Net Interest Margin4.544.65(11)4.82(28)
Loans / Deposits80.8370.9199279.69114
Efficiency Ratio59.3564.32(497)57.54181
Balance Sheet Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA8.09NA9.55NA
Equity/ Assets14.2210.6535813.8339
Asset Quality Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.851.25(40)0.86(1)
Loan Loss Reserves/ Gross Loans0.631.09(45)0.621
Loan Loss Reserves/ NPAsNA48.40NA38.41NA
Net Charge-offs/ Avg Loans0.180.20(1)0.145
Regulatory Capital Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.43NANANA
   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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