Call reports 2003
SIMMONS FIRST BANK OF SOUTH ARKANSAS — 2003
What SIMMONS FIRST BANK OF SOUTH ARKANSAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 110,830,000 | 112,750,000 | 121,753,000 | 134,207,000 |
| Total loans | 66,693,000 | 73,210,000 | 79,925,000 | 73,378,000 |
| Allowance for loan losses | 1,605,000 | 1,691,000 | 1,812,000 | 1,844,000 |
| Securities available for sale | 12,208,000 | 17,511,000 | 19,230,000 | 21,164,000 |
| Securities held to maturity | 16,054,000 | 8,319,000 | 8,163,000 | 10,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,539,000 | 99,163,000 | 97,129,000 | 120,582,000 |
| Interest-bearing deposits | 82,852,000 | 81,981,000 | 80,537,000 | 93,842,000 |
| Noninterest-bearing deposits | 15,687,000 | 17,182,000 | 16,592,000 | 26,740,000 |
| Equity capital | 11,406,000 | 11,607,000 | 11,730,000 | 11,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,483,000 | 3,008,000 | 4,575,000 | 6,136,000 |
| Interest expense | 396,000 | 768,000 | 1,105,000 | 1,434,000 |
| Net interest income | 1,087,000 | 2,240,000 | 3,470,000 | 4,702,000 |
| Noninterest income | 288,000 | 590,000 | 889,000 | 1,162,000 |
| Noninterest expense | 760,000 | 1,547,000 | 2,283,000 | 3,065,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 495,000 | 1,043,000 | 1,716,000 | 2,319,000 |
| Income tax | 150,000 | 326,000 | 541,000 | 735,000 |
| Net income | 345,000 | 717,000 | 1,175,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,536,000 | 9,742,000 | 10,045,000 | 10,267,000 |
| Total capital | 10,445,000 | 10,731,000 | 11,128,000 | 11,298,000 |
| Risk-weighted assets | 72,051,000 | 78,452,000 | 86,512,000 | 81,689,000 |