Call reports 2005
SIMMONS FIRST BANK OF SOUTH ARKANSAS — 2005
What SIMMONS FIRST BANK OF SOUTH ARKANSAS 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 | 135,863,000 | 128,890,000 | 134,791,000 | 131,809,000 |
| Total loans | 69,916,000 | 77,880,000 | 86,038,000 | 76,428,000 |
| Allowance for loan losses | 1,534,000 | 1,597,000 | 1,738,000 | 1,839,000 |
| Securities available for sale | 32,863,000 | 27,149,000 | 24,971,000 | 21,849,000 |
| Securities held to maturity | 7,607,000 | 6,202,000 | 5,962,000 | 6,663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,070,000 | 113,401,000 | 110,886,000 | 115,652,000 |
| Interest-bearing deposits | 97,897,000 | 93,081,000 | 90,026,000 | 90,015,000 |
| Noninterest-bearing deposits | 22,173,000 | 20,320,000 | 20,860,000 | 25,637,000 |
| Equity capital | 13,534,000 | 14,117,000 | 14,482,000 | 14,921,000 |
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 | 1,546,000 | 3,207,000 | 5,015,000 | 6,818,000 |
| Interest expense | 378,000 | 827,000 | 1,338,000 | 1,871,000 |
| Net interest income | 1,168,000 | 2,380,000 | 3,677,000 | 4,947,000 |
| Noninterest income | 357,000 | 814,000 | 1,265,000 | 1,806,000 |
| Noninterest expense | 892,000 | 1,773,000 | 2,660,000 | 3,547,000 |
| Provision for loan losses | 450,000 | 600,000 | 750,000 | 900,000 |
| Pretax income | 183,000 | 821,000 | 1,532,000 | 2,306,000 |
| Income tax | 33,000 | 237,000 | 467,000 | 725,000 |
| Net income | 150,000 | 584,000 | 1,065,000 | 1,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,153,000 | 12,733,000 | 13,231,000 | 13,767,000 |
| Total capital | 13,178,000 | 13,796,000 | 14,393,000 | 14,839,000 |
| Risk-weighted assets | 81,475,000 | 84,674,000 | 92,364,000 | 84,976,000 |