Call reports 2004
SIMMONS FIRST BANK OF EL DORADO — 2004
What SIMMONS FIRST BANK OF EL DORADO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 194,948,000 | 196,451,000 | 203,243,000 | 199,791,000 |
| Total loans | 92,405,000 | 93,444,000 | 95,328,000 | 96,662,000 |
| Allowance for loan losses | 1,546,000 | 1,601,000 | 1,626,000 | 1,512,000 |
| Securities available for sale | 60,153,000 | 64,145,000 | 65,338,000 | 62,558,000 |
| Securities held to maturity | 26,265,000 | 25,829,000 | 25,344,000 | 26,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,801,000 | 160,226,000 | 165,346,000 | 167,965,000 |
| Interest-bearing deposits | 145,407,000 | 141,570,000 | 146,558,000 | 149,245,000 |
| Noninterest-bearing deposits | 18,393,000 | 18,657,000 | 18,787,000 | 18,720,000 |
| Equity capital | 15,660,000 | 14,771,000 | 15,733,000 | 15,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,095,000 | 4,249,000 | 6,459,000 | 8,746,000 |
| Interest expense | 577,000 | 1,130,000 | 1,744,000 | 2,453,000 |
| Net interest income | 1,518,000 | 3,119,000 | 4,715,000 | 6,293,000 |
| Noninterest income | 302,000 | 686,000 | 1,030,000 | 1,427,000 |
| Noninterest expense | 979,000 | 1,953,000 | 2,938,000 | 3,941,000 |
| Provision for loan losses | 70,000 | 139,000 | 209,000 | 278,000 |
| Pretax income | 771,000 | 1,713,000 | 2,598,000 | 3,501,000 |
| Income tax | 182,000 | 433,000 | 647,000 | 888,000 |
| Net income | 589,000 | 1,280,000 | 1,951,000 | 2,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,461,000 | 15,653,000 | 15,817,000 | 15,930,000 |
| Total capital | 16,828,000 | 17,043,000 | 17,237,000 | 17,359,000 |
| Risk-weighted assets | 109,158,000 | 110,993,000 | 113,414,000 | 114,256,000 |