Call reports 2005
SIMMONS FIRST BANK OF SEARCY — 2005
What SIMMONS FIRST BANK OF SEARCY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 129,156,000 | 133,655,000 | 132,471,000 | 133,458,000 |
| Total loans | 89,829,000 | 95,196,000 | 94,790,000 | 96,054,000 |
| Allowance for loan losses | 1,712,000 | 1,968,000 | 1,951,000 | 1,888,000 |
| Securities available for sale | 13,981,000 | 14,120,000 | 12,547,000 | 12,484,000 |
| Securities held to maturity | 8,638,000 | 9,807,000 | 10,297,000 | 10,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,619,000 | 100,662,000 | 104,886,000 | 103,542,000 |
| Interest-bearing deposits | 91,981,000 | 89,565,000 | 93,391,000 | 92,270,000 |
| Noninterest-bearing deposits | 10,638,000 | 11,097,000 | 11,495,000 | 11,272,000 |
| Equity capital | 16,931,000 | 17,254,000 | 17,347,000 | 17,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,594,000 | 3,279,000 | 5,015,000 | 6,905,000 |
| Interest expense | 540,000 | 1,147,000 | 1,827,000 | 2,614,000 |
| Net interest income | 1,054,000 | 2,132,000 | 3,188,000 | 4,291,000 |
| Noninterest income | 363,000 | 872,000 | 1,266,000 | 1,689,000 |
| Noninterest expense | 901,000 | 1,830,000 | 2,732,000 | 3,632,000 |
| Provision for loan losses | 44,000 | 88,000 | 131,000 | 175,000 |
| Pretax income | 472,000 | 1,086,000 | 1,591,000 | 2,173,000 |
| Income tax | 156,000 | 361,000 | 516,000 | 702,000 |
| Net income | 316,000 | 725,000 | 1,075,000 | 1,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,531,000 | 12,767,000 | 12,906,000 | 13,124,000 |
| Total capital | 13,642,000 | 13,906,000 | 14,053,000 | 14,291,000 |
| Risk-weighted assets | 88,318,000 | 90,361,000 | 90,923,000 | 92,632,000 |