Simmons First Bank of Eldorado in El Dorado, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Simmons First Bank of Eldorado in El Dorado, Arkansas (AR)
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Simmons First Bank of Eldorado - Overview

  • General
  • FDIC Certificate #: 3860
    Status: Active
    Federal Reserve ID: 709648
    Bank Holding Company (Regulatory Top Holder): Simmons First National Corporation (RSSDID: 1094828, Location: Pine Bluff, AR)
    Date Established: October 01, 1919
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12631
    FDIC's unique #: 2515
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 16, 2010
    Last Structure Change Process Date: January 04, 2011
    Last Data Update: January 04, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 West Grove Street, El Dorado, AR 71730
    County: Union
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): El Dorado, AR (#20980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
    Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $232.0 mil
    Equity capital: $22.4 mil
    Deposits held in domestic offices: $195.1 mil
    Return on assets (ROA): 1.38% ($3.2 mil)
    Quarterly return on assets: 1.33% ($3.1 mil)
    Return on Equity (ROE): 14.46% ($3.2 mil)
    Quarterly return on equity: 13.63% ($3.0 mil)
    Net income: $3.2 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.77% ($4,105.8 mil)
    Quarterly Pretax return on assets: 1.69% ($3,920.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 46Total employees (full-time equivalent)
  • $231,965Total assets
  • $27,520Cash and due from depository institutions
  • $15,893Interest-bearing balances
  • $111,019Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $83,361Net loans & leases
  • $1,483Loan loss allowance
  • $0Trading account assets
  • $3,504Bank premises and fixed assets
  • $9Other real estate owned
  • $0Goodwill and other intangibles
  • $231,965Life insurance assets
  • $6,552All other assets
  • $209,555Total liabilities and capital
  • $195,091Total liabilities
  • $158,989Total deposits
  • $195,091Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 12145.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,110Trading liabilities
  • $0Other borrowed funds
  • $1,209Subordinated debt
  • $22,410All other liabilities
  • $22,410Total equity capital
  • $22,410Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $3,870Surplus
  • $18,490Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $579Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,580Income earned, not collected on loans
  • $0Earning assets
  • $1,115Long-term assets (5+ years)
  • $210,273Average Assets, year-to-date
  • $59,064Average Assets, quarterly
  • $231,697Volatile liabilities
  • $228,048Insider loans
  • $106,849FHLB advances
  • $227,721Loans and leases held for sale
  • $3,496Unused loan commitments
  • $3,169Tier 1 (core) risk-based capital
  • $22,286Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $327Total unused commitments
  • $13,161Restructured Loans and leases
  • $2,183Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,816Total interest income
  • $1,056Total interest expense
  • $6,760Net interest income
  • $568Provision for loan and lease losses
  • $2,210Total noninterest income
  • $0Fiduciary activities
  • $1,420Service charges on deposit accounts
  • $0Trading account gains & fees
  • $790Additional noninterest income
  • $4,298Total noninterest expense
  • $2,218Salaries and employee benefits
  • $508Premises and equipment expense
  • $1,572Additional noninterest expense
  • $4,104Pre-tax net operating income
  • $0Securities gains (losses)
  • $909Applicable income taxes
  • $3,195Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,195Net income attributable to bank
  • $0Net charge-offs
  • $3,195Cash dividends
  • $415Sale, conversion, retirement of capital stock, net
  • $2,396Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.72%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 3.21%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 2.04%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 1.77%Pretax return on assets
  • 14.46%Return on equity (ROE)
  • 3.61%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 136.87%Credit loss provision to net charge-offs
  • 11.26%Efficiency ratio
  • 47,915Assets per employee
  • 5.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.99%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 93.86%Noncurrent assets plus other real estate owned to assets
  • 0.69%Noncurrent loans to loans
  • 1.86%Net loans and leases to deposits
  • 42.73%Net loans and leases to core deposits
  • 44.18%Equity capital to assets
  • 9.66%Core capital (leverage) ratio
  • 9.79%Tier 1 risk-based capital ratio
  • 20.86%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $231,697Average earning assets
  • $22,103Average equity
  • $210,357Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $125,463Managed Assets
  • 1Number of Accounts
  • $125,463Personal trust and agency accounts
  • $74,602Employee benefit-defined contribution accounts
  • $7,427Employee benefit-defined benefit accounts
  • $1,709Other retirement accounts
  • $27,624Corporate trust and agency accounts
  • $158Investment management agency accounts
  • $13,943Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 618Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02515Simmons First Bank Of Eldorado100 West Grove Street, El Dorado, AR 71730October 01, 1919Full Service Brick and Mortar
    2202013South East Branch1921 Junction City Road, El Dorado, AR 71730Febuary 17, 1975Full Service Brick and Mortar
    4357138Strong Branch9652 Strong Highway, Strong, AR 71765May 30, 2000Full Service Brick and Mortar
    5453043Timberlane Branch535 South Timberlane Drive, El Dorado, AR 71730May 30, 2006Full Service Brick and Mortar

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