Call reports 2008
SIMMONS FIRST BANK OF EL DORADO — 2008
What SIMMONS FIRST BANK OF EL DORADO reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 238,969,000 | 245,252,000 | 247,089,000 | 257,735,000 |
| Total loans | 116,738,000 | 124,424,000 | 126,039,000 | 132,453,000 |
| Allowance for loan losses | 1,625,000 | 1,445,000 | 1,472,000 | 1,474,000 |
| Securities available for sale | 55,908,000 | 69,457,000 | 69,185,000 | 71,478,000 |
| Securities held to maturity | 32,294,000 | 33,621,000 | 32,638,000 | 32,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,667,000 | 206,259,000 | 210,376,000 | 219,233,000 |
| Interest-bearing deposits | 178,474,000 | 179,650,000 | 184,251,000 | 194,524,000 |
| Noninterest-bearing deposits | 24,193,000 | 26,609,000 | 26,125,000 | 24,708,000 |
| Equity capital | 18,826,000 | 17,863,000 | 17,913,000 | 19,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,213,000 | 6,469,000 | 9,775,000 | 13,118,000 |
| Interest expense | 1,522,000 | 2,907,000 | 4,202,000 | 5,469,000 |
| Net interest income | 1,691,000 | 3,562,000 | 5,573,000 | 7,649,000 |
| Noninterest income | 457,000 | 915,000 | 1,426,000 | 1,896,000 |
| Noninterest expense | 1,114,000 | 2,248,000 | 3,396,000 | 4,615,000 |
| Provision for loan losses | 62,000 | 130,000 | 220,000 | 300,000 |
| Pretax income | 972,000 | 2,099,000 | 3,383,000 | 4,630,000 |
| Income tax | 223,000 | 495,000 | 831,000 | 1,145,000 |
| Net income | 749,000 | 1,604,000 | 2,552,000 | 3,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,118,000 | 18,371,000 | 18,589,000 | 18,790,000 |
| Total capital | 19,805,000 | 19,877,000 | 20,122,000 | 20,325,000 |
| Risk-weighted assets | 137,328,000 | 146,152,000 | 146,255,000 | 151,608,000 |