FOR IMMEDIATE RELEASE: April 15, 2010

SIMMONS FIRST ANNOUNCES FIRST QUARTER EARNINGS

Pine Bluff, AR – Simmons First National Corporation (NASDAQ-GS: SFNC) today announced first quarter earnings of $5.0 million, compared to $5.2 million for the same period in 2009.  “As we expected, due to our equity offering in November, our first quarter diluted EPS was $0.29, compared to $0.37 diluted EPS in Q1 2009,” commented J. Thomas May, Chairman and CEO, regarding the Company’s first quarter results.

 “While our first quarter earnings approximated our expectations, the EPS was below the consensus expectations of our research analysts.  We believe the difference is primarily associated with the seasonality of our loan portfolio, which normally results in our first quarter earnings being the lowest of any quarter during the year.  At this point, our expectations are that our annual performance is in line with the current consensus average,” said May.  “Considering the conservative posture that we have taken relative to asset quality, capital and liquidity, we are willing to sacrifice some short-term earnings.  As such, we are pleased with the first quarter earnings of $5 million.”

The Company’s net interest income for the first quarter of 2010 increased 4.4% to $24.4 million compared to $23.4 million for the same period of 2009.  Net interest margin increased 3 basis points to 3.71% from the first quarter of 2009.

Non-performing assets as a percent of total assets remains relatively unchanged from year end at 1.10%. Non-performing loans as a percent of total loans improved to 0.83% from 1.35% at year end.  These ratios include approximately $2.5 million of Government guaranteed student loans that were over 90 days past due at the end of the quarter.  Excluding the guaranteed past due student loans, non-performing assets as a percent of total assets were 1.02% and non-performing loans as a percent of total loans were 0.70%.  “While our nonperforming assets are above our internal target levels, we continue to have relatively good asset quality.  In fact, our nonperforming asset ratio puts us in the 87th percentile within our peer group,” added May.

The allowance for loan losses was $25.0 million at March 31, 2010, or 1.35% of total loans and 164% of non-performing loans.  The Company’s annualized net charge-off ratio for the first quarter of 2010 was 0.70%.  Excluding credit cards, the annualized net charge-off ratio for the first quarter was 0.48%.  Annualized net credit card charge-offs for the first quarter were 2.71%, which is more than 800 basis points below the most recently published credit card charge-off industry average of over 11%.

Total deposits were $2.4 billion and total assets for the Company were $3.1 billion at March 31, 2010.  Stockholders’ equity increased 27.8% to $373 million at March 31, 2010, compared to $292 million at March 31, 2009.  At March 31, 2010, book value per share was $21.72, tangible book value per share was $18.10 and the equity to assets ratio was 12.0%.

“One of the major strengths of our Company is our exceptional level of capital,” continued May.  “We enhanced the strength of our capital during the fourth quarter of 2009 when we completed a $75 million secondary stock offering.  The offering bolstered our already strong capital ratios, placing us in the 97th percentile in our peer group for regulatory capital.  While this offering was dilutive to EPS of approximately $0.05 in the first quarter, the excess capital positions us to take advantage of unprecedented acquisition opportunities through FDIC assisted transactions of failed banks and future traditional acquisitions of healthy banks.”

Simmons First National Corporation is an Arkansas based financial holding company with eight community banks in Pine Bluff, Lake Village, Jonesboro, Rogers, Searcy, Russellville, El Dorado and Hot Springs, Arkansas.  The Company’s eight banks conduct financial operations from 88 offices, of which 84 are financial centers, in 47 communities.

CONFERENCE CALL

Management will conduct a conference call to review this information beginning at 3:00 p.m. Central Time on Thursday, April 15, 2010.  Interested persons can listen to this call by dialing 1-800-854-4175 (United States and Canada only) and asking for the Simmons First National Corporation conference call.  A replay of the call will be available through 5:00 p.m. Central Time on April 22, 2010, by dialing 1-800-642-1687.  The passcode for the replay is 63848859.  In addition, the call will be available live or in recorded version on the Company’s website at www.simmonsfirst.com.

GENERAL

Statements in this press release that are not historical facts should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.  Forward-looking statements of this type speak only as of the date of this news release. By nature, forward-looking statements involve inherent risk and uncertainties.  Various factors, including, but not limited to, economic conditions, credit quality, interest rates, loan demand and changes in the assumptions used in making the forward-looking statements, could cause actual results to differ materially from those contemplated by the forward-looking statements.  Additional information on factors that might affect Simmons First National Corporation’s financial results is included in its Form 10-K filing with the Securities and Exchange Commission.

####

FOR MORE INFORMATION CONTACT:

DAVID W. GARNER

Senior Vice President and Investor Relations Officer

Simmons First National Corporation

(870) 541-1000

Simmons First National Corporation													SFNC
Consolidated End of Period Balance Sheets
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2010			2009			2009			2009			2009
(in thousands)
ASSETS
Cash and non-interest bearing balances due from banks	$	61,975		$	71,575		$	54,176		$	53,956		$	53,707
Interest bearing balances due from banks		365,396			282,010			142,714			52,321			43,219
Federal funds sold		-			-			12,500			8,300			1,000
Cash and cash equivalents		427,371			353,585			209,390			114,577			97,926
Investment securities - held-to-maturity		432,004			464,061			387,122			352,921			217,443
Investment securities - available-for-sale		156,096			182,854			184,493			277,948			505,349
Mortgage loans held for sale		6,930			8,397			13,355			14,868			9,695
Assets held in trading accounts		7,521			6,886			6,839			6,051			7,510
Loans		1,849,960			1,874,989			1,925,101			1,943,460			1,917,332
Allowance for loan losses		(25,047	)		(25,016	)		(25,830	)		(25,032	)		(24,508	)
Net loans		1,824,913			1,849,973			1,899,271			1,918,428			1,892,824
Premises and equipment		77,408			78,126			78,674			78,649			78,632
Foreclosed assets held for sale, net		18,744			9,179			6,019			5,147			3,704
Interest receivable		16,421			17,881			19,618			18,131			19,071
Bank owned life insurance		47,667			40,920			40,612			40,319			39,995
Goodwill		60,605			60,605			60,605			60,605			60,605
Core deposit premiums		1,568			1,769			1,970			2,172			2,373
Other assets		20,251			19,086			7,469			8,015			8,452
TOTAL ASSETS	$	3,097,499		$	3,093,322		$	2,915,437		$	2,897,831		$	2,943,579
LIABILITIES
Non-interest bearing transaction accounts	$	385,495		$	363,154		$	325,594		$	324,686		$	330,656
Interest bearing transaction accounts and savings deposits		1,167,836			1,156,264			1,090,842			1,065,646			1,078,324
Time deposits less than $100,000		482,181			492,217			513,696			532,200			550,676
Time deposits greater than $100,000		392,757			420,537			401,137			396,612			409,846
Total deposits		2,428,269			2,432,172			2,331,269			2,319,144			2,369,502
Federal funds purchased and securities
sold under agreements to repurchase		131,750			105,910			96,666			98,146			98,680
Short-term debt		3,263			3,640			3,493			2,647			1,456
Long-term debt		139,183			159,823			161,560			162,726			160,423
Accrued interest and other liabilities		21,780			20,530			24,626			22,953			21,348
TOTAL LIABILITIES		2,724,245			2,722,075			2,617,614			2,605,616			2,651,409
STOCKHOLDERS' EQUITY
Capital stock		172			171			140			140			140
Surplus		112,250			111,694			41,048			40,824			41,901
Undivided profits		260,310			258,620			255,062			250,070			247,228
Accumulated other comprehensive income
Unrealized appreciation on AFS securities		522			762			1,573			1,181			2,901
TOTAL STOCKHOLDERS' EQUITY		373,254			371,247			297,823			292,215			292,170
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	3,097,499		$	3,093,322		$	2,915,437		$	2,897,831		$	2,943,579

Page 1

Simmons First National Corporation													SFNC
Consolidated Average Quarter-to-Date Balance Sheets
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2010			2009			2009			2009			2009
(in thousands)
ASSETS
Cash and non-interest bearing balances due from banks	$	75,267		$	74,862		$	56,953		$	57,708		$	62,974
Interest bearing balances due from banks		290,990			292,219			91,832			44,946			54,057
Federal funds sold		1,015			1,280			5,962			9,355			486
Cash and cash equivalents		367,272			368,361			154,747			112,009			117,517
Investment securities - held-to-maturity		453,740			408,431			365,825			288,794			194,100
Investment securities - available-for-sale		186,503			172,290			231,962			404,406			515,648
Mortgage loans held for sale		5,815			8,603			11,063			16,316			13,731
Assets held in trading accounts		6,968			8,260			6,293			5,981			4,213
Loans		1,863,850			1,898,629			1,957,600			1,923,787			1,917,251
Allowance for loan losses		(25,849	)		(26,021	)		(25,603	)		(25,013	)		(25,840	)
Net loans		1,838,001			1,872,608			1,931,997			1,898,774			1,891,411
Premises and equipment		77,939			78,636			78,763			78,743			78,847
Foreclosed assets held for sale, net		9,238			7,049			5,813			4,362			3,365
Interest receivable		17,005			20,582			19,280			19,161			19,856
Bank owned life insurance		42,023			40,761			40,465			40,161			39,802
Goodwill		60,605			60,605			60,605			60,605			60,605
Core deposit premiums		1,684			1,869			2,089			2,288			2,491
Other assets		18,308			7,605			5,979			6,945			7,777
TOTAL ASSETS	$	3,085,101		$	3,055,660		$	2,914,881		$	2,938,545		$	2,949,363
LIABILITIES
Non-interest bearing transaction accounts	$	357,483		$	347,279		$	329,427		$	328,036		$	327,250
Interest bearing transaction accounts and savings deposits		1,166,643			1,159,372			1,074,415			1,081,416			1,052,635
Time deposits less than $100,000		491,603			507,236			524,367			539,165			558,969
Time deposits greater than $100,000		409,137			412,132			398,208			402,939			414,418
Total deposits		2,424,866			2,426,019			2,326,417			2,351,556			2,353,272
Federal funds purchased and securities
sold under agreements to repurchase		114,376			105,295			100,470			106,288			119,846
Short-term debt		3,751			3,802			3,032			1,802			1,695
Long-term debt		145,387			160,215			161,882			161,065			160,692
Accrued interest and other liabilities		21,386			25,487			25,107			22,566			21,100
TOTAL LIABILITIES		2,709,766			2,720,818			2,616,908			2,643,277			2,656,605
TOTAL STOCKHOLDERS' EQUITY		375,335			334,842			297,973			295,268			292,758
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	3,085,101		$	3,055,660		$	2,914,881		$	2,938,545		$	2,949,363

Page 2

Simmons First National Corporation									SFNC
Consolidated Statements of Income - Quarter-to-Date
For the Quarters Ended	Mar 31		Dec 31		Sep 30		Jun 30		Mar 31
(Unaudited)	2010		2009		2009		2009		2009
(in thousands, except per share data)
INTEREST INCOME
Loans	$	26,788	$	28,275	$	29,122	$	28,017	$	28,234
Federal funds sold		4		2		10		14		1
Investment securities		4,531		5,029		5,089		5,256		6,417
Mortgage loans held for sale, net of unrealized gains (losses)		70		119		136		195		158
Assets held in trading accounts		2		7		3		5		5
Interest bearing balances due from banks		191		204		87		70		78
TOTAL INTEREST INCOME		31,586		33,636		34,447		33,557		34,893
INTEREST EXPENSE
Time deposits		3,919		4,643		5,242		5,975		6,934
Other deposits		1,518		1,866		1,891		1,926		2,569
Federal funds purchased and securities
sold under agreements to repurchase		149		172		172		182		243
Short-term debt		15		15		6		6		6
Long-term debt		1,573		1,719		1,743		1,748		1,748
TOTAL INTEREST EXPENSE		7,174		8,415		9,054		9,837		11,500
NET INTEREST INCOME		24,412		25,221		25,393		23,720		23,393
Provision for loan losses		3,231		2,767		2,789		2,622		2,138
NET INTEREST INCOME AFTER PROVISION
FOR LOAN LOSSES		21,181		22,454		22,604		21,098		21,255
NON-INTEREST INCOME
Trust income		1,250		1,317		1,361		1,223		1,326
Service charges on deposit accounts		4,301		4,883		4,763		4,571		3,727
Other service charges and fees		779		634		642		646		746
Income on sale of mortgage loans, net of commissions		603		834		798		1,361		1,039
Income on investment banking, net of commissions		605		469		598		675		411
Credit card fees		3,677		3,897		3,745		3,597		3,153
Premiums on sale of student loans		-		-		2,047		286		-
Bank owned life insurance income		290		300		293		299		378
Other income		695		597		716		556		679
Gain on sale of securities		-		-		-		144		-
TOTAL NON-INTEREST INCOME		12,200		12,931		14,963		13,358		11,459
NON-INTEREST EXPENSE
Salaries and employee benefits		15,166		14,619		14,441		14,674		14,583
Occupancy expense, net		1,882		1,898		1,846		1,824		1,889
Furniture and equipment expense		1,495		1,572		1,553		1,527		1,543
Other real estate and foreclosure expense		58		161		132		90		70
Deposit insurance		955		687		865		2,557		533
Other operating expenses		7,240		6,869		7,470		6,279		7,040
TOTAL NON-INTEREST EXPENSE		26,796		25,806		26,307		26,951		25,658
NET INCOME BEFORE INCOME TAXES		6,585		9,579		11,260		7,505		7,056
Provision for income taxes		1,629		2,774		3,600		1,996		1,820
NET INCOME	$	4,956	$	6,805	$	7,660	$	5,509	$	5,236
BASIC EARNINGS PER SHARE	$	0.29	$	0.44	$	0.54	$	0.40	$	0.37
DILUTED EARNINGS PER SHARE	$	0.29	$	0.44	$	0.54	$	0.39	$	0.37

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Simmons First National Corporation													SFNC
Consolidated Risk-Based Capital
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2010			2009			2009			2009			2009
(in thousands)
Tier 1 capital
Stockholders' equity	$	373,254		$	371,247		$	297,823		$	292,215		$	292,170
Trust preferred securities, net allowable		30,000			30,000			30,000			30,000			30,000
Disallowed intangible assets, net of deferred tax		(50,503	)		(51,128	)		(51,483	)		(51,958	)		(52,459	)
Unrealized gain on AFS securities		(522	)		(762	)		(1,573	)		(1,181	)		(2,901	)
Total Tier 1 capital		352,229			349,357			274,767			269,076			266,810
Tier 2 capital
Qualifying unrealized gain on AFS equity securities		8			5			-			162			186
Qualifying allowance for loan losses		23,574			24,405			24,754			24,796			24,537
Total Tier 2 capital		23,582			24,410			24,754			24,958			24,723
Total risk-based capital	$	375,811		$	373,767		$	299,521		$	294,034		$	291,533
Risk weighted assets	$	1,882,902		$	1,950,227		$	1,977,736		$	1,981,955		$	1,961,351
Adjusted average assets for leverage ratio	$	3,033,367		$	3,002,275		$	2,861,329		$	2,883,021		$	2,893,210
Ratios at end of quarter
Equity to assets		12.05	%		12.00	%		10.22	%		10.08	%		9.93	%
Tangible common equity to tangible assets		10.25	%		10.19	%		8.25	%		8.09	%		7.96	%
Tier 1 leverage ratio		11.61	%		11.64	%		9.60	%		9.33	%		9.22	%
Tier 1 risk-based capital ratio		18.71	%		17.91	%		13.89	%		13.58	%		13.60	%
Total risk-based capital ratio		19.96	%		19.17	%		15.14	%		14.84	%		14.86	%

Page 4

Simmons First National Corporation									SFNC
Consolidated Loans and Investments
For the Quarters Ended	Mar 31		Dec 31		Sep 30		Jun 30		Mar 31
(Unaudited)	2010		2009		2009		2009		2009
(in thousands)
Loan Portfolio - End of Period
Consumer
Credit cards	$	177,959	$	189,154	$	175,493	$	168,897	$	158,503
Student loans		153,291		114,296		106,080		139,928		143,130
Other consumer		131,735		139,647		144,155		142,040		139,502
Total consumer		462,985		443,097		425,728		450,865		441,135
Real Estate
Construction		173,080		180,759		192,051		197,336		208,664
Single-family residential		389,257		392,208		403,035		401,447		410,315
Other commercial		592,728		596,517		600,436		601,217		588,216
Total real estate		1,155,065		1,169,484		1,195,522		1,200,000		1,207,195
Commercial
Commercial		155,970		168,206		165,747		182,064		187,645
Agricultural		65,964		84,866		125,566		96,526		68,731
Financial institutions		4,093		3,885		4,087		3,598		3,471
Total commercial		226,027		256,957		295,400		282,188		259,847
Other		5,883		5,451		8,451		10,407		9,155
Total Loans	$	1,849,960	$	1,874,989	$	1,925,101	$	1,943,460	$	1,917,332
Investment Securities - End of Period
Held-to-Maturity
U.S. Government agencies	$	221,885	$	254,229	$	176,340	$	149,698	$	33,000
Mortgage-backed securities		88		90		95		98		105
State and political subdivisions		209,101		208,812		209,757		202,195		183,408
Other securities		930		930		930		930		930
Total held-to-maturity		432,004		464,061		387,122		352,921		217,443
Available-for-Sale
U.S. Treasury		4,008		4,329		4,345		5,058		7,563
U.S. Government agencies		135,038		161,524		162,760		195,236		301,785
Mortgage-backed securities		2,996		2,972		2,998		2,936		3,008
State and political subdivisions		-		-		366		486		486
FHLB stock		7,484		7,477		7,474		7,471		7,376
Other securities		6,570		6,552		6,550		66,761		185,131
Total available-for-sale		156,096		182,854		184,493		277,948		505,349
Total investment securities	$	588,100	$	646,915	$	571,615	$	630,869	$	722,792
Fair Value - HTM investment securities	$	435,810	$	465,665	$	392,450	$	353,021	$	218,712
Investment Securities - QTD Average
Taxable securities	$	432,736	$	370,538	$	390,226	$	498,989	$	536,443
Tax exempt securities		207,507		210,183		207,561		194,211		173,305
Total investment securities - QTD average	$	640,243	$	580,721	$	597,787	$	693,200	$	709,748

Page 5

Simmons First National Corporation													SFNC
Consolidated Allowance and Asset Quality
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2010			2009			2009			2009			2009
(in thousands)
Allowance for Loan Losses
Balance, beginning of quarter	$	25,016		$	25,830		$	25,032		$	24,508		$	25,841
Loans charged off
Credit cards		1,435			1,353			1,363			1,350			1,270
Other consumer		500			1,048			652			528			530
Real estate		2,401			1,245			483			1,389			1,697
Commercial		227			633			378			467			442
Total loans charged off		4,563			4,279			2,876			3,734			3,939
Recoveries of loans previously charged off
Credit cards		229			263			242			201			214
Other consumer		293			118			151			214			190
Real estate		701			141			407			841			4
Commercial		140			176			85			380			60
Total recoveries		1,363			698			885			1,636			468
Net loans charged off		3,200			3,581			1,991			2,098			3,471
Provision for loan losses		3,231			2,767			2,789			2,622			2,138
Balance, end of quarter	$	25,047		$	25,016		$	25,830		$	25,032		$	24,508
Non-performing assets
Non-performing loans
Nonaccrual loans
Real estate	$	8,442		$	18,358		$	12,269		$	13,217		$	12,690
Commercial		1,673			1,776			1,291			1,611			1,349
Consumer		1,604			1,860			1,836			1,517			1,563
Total nonaccrual loans		11,719			21,994			15,396			16,345			15,602
Loans past due 90 days or more
Government guaranteed student loans		2,464			1,939			2,258			2,371			2,739
Other loans		1,132			1,383			1,475			1,147			1,482
Total loans past due 90 days or more		3,596			3,322			3,733			3,518			4,221
Total non-performing loans		15,315			25,316			19,129			19,863			19,823
Other non-performing assets
Foreclosed assets held for sale		18,744			9,179			6,019			5,147			3,704
Other non-performing assets		15			20			21			17			12
Total other non-performing assets		18,759			9,199			6,040			5,164			3,716
Total non-performing assets	$	34,074		$	34,515		$	25,169		$	25,027		$	23,539
Ratios
Allowance for loan losses to total loans		1.35	%		1.33	%		1.34	%		1.29	%		1.28	%
Allowance for loan losses to
non-performing loans		163.55	%		98.81	%		135.03	%		126.02	%		123.63	%
Non-performing loans to total loans		0.83	%		1.35	%		0.99	%		1.02	%		1.03	%
Non-performing assets to total assets		1.10	%		1.12	%		0.86	%		0.86	%		0.80	%
Non-performing assets to total assets
(excluding Gov't guaranteed student loans)		1.02	%		1.05	%		0.79	%		0.78	%		0.71	%
Annualized net charge offs to total loans		0.70	%		0.75	%		0.40	%		0.44	%		0.73	%
Annualized net charge offs to total loans
(excluding credit cards)		0.48	%		0.57	%		0.19	%		0.22	%		0.56	%
Past due loans >30 days (excluding nonaccrual)		1.02	%		0.81	%		0.82	%		0.58	%		0.78	%

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Simmons First National Corporation													SFNC
Consolidated - Net Interest Income Analysis
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2010			2009			2009			2009			2009
ASSETS
Earning Assets
Interest bearing balances due from banks		0.27	%		0.28	%		0.38	%		0.62	%		0.59	%
Federal funds sold		1.60	%		0.62	%		0.67	%		0.60	%		0.83	%
Investment securities		3.66	%		4.30	%		4.21	%		3.71	%		4.28	%
Mortgage loans held for sale		4.88	%		5.49	%		4.88	%		4.79	%		4.67	%
Assets held in trading accounts		0.12	%		0.34	%		0.19	%		0.34	%		0.48	%
Loans		5.83	%		5.92	%		5.91	%		5.85	%		5.98	%
Total interest earning assets		4.74	%		4.97	%		5.31	%		5.18	%		5.41	%
LIABILITIES
Interest bearing liabilities
Interest bearing transaction and
savings accounts		0.53	%		0.64	%		0.70	%		0.71	%		0.99	%
Time deposits		1.76	%		2.00	%		2.25	%		2.54	%		2.89	%
Total interest bearing deposits		1.07	%		1.24	%		1.42	%		1.57	%		1.90	%
Federal funds purchased and securities
sold under agreement to repurchase		0.53	%		0.65	%		0.68	%		0.69	%		0.82	%
Short-term debt		1.62	%		1.57	%		0.79	%		1.34	%		1.44	%
Long-term debt		4.39	%		4.26	%		4.27	%		4.35	%		4.41	%
Total interest bearing liabilities		1.25	%		1.42	%		1.59	%		1.72	%		2.02	%
NET INTEREST MARGIN/SPREAD
Net interest spread		3.49	%		3.55	%		3.72	%		3.46	%		3.39	%
Net interest margin - quarter-to-date		3.71	%		3.77	%		3.97	%		3.71	%		3.68	%
Net interest margin - year-to-date		3.71	%		3.78	%		3.79	%		3.70	%		3.68	%

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Simmons First National Corporation													SFNC
Consolidated - Selected Financial Data
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2010			2009			2009			2009			2009
(in thousands, except share data)
QUARTER-TO-DATE
Diluted earnings per share	$	0.29		$	0.44		$	0.54		$	0.39		$	0.37
Cash dividends declared per common share		0.19			0.19			0.19			0.19			0.19
Cash dividends declared - amount		3,266			3,248			2,668			2,667			2,663
Return on average stockholders' equity		5.36	%		8.06	%		10.20	%		7.48	%		7.25	%
Return on tangible equity		6.58	%		10.10	%		13.13	%		9.73	%		9.47	%
Return on average assets		0.65	%		0.88	%		1.04	%		0.75	%		0.72	%
Net interest margin (FTE)		3.71	%		3.77	%		3.97	%		3.71	%		3.68	%
FTE adjustment - investments		1,250			1,265			1,253			1,150			1,069
FTE adjustment - loans		16			37			51			53			57
Amortization of intangibles		201			201			201			202			202
Amortization of intangibles, net of taxes		127			127			127			127			127
Average shares outstanding		17,139,732			15,432,821			14,042,813			14,021,727			13,991,748
Average earning assets		2,808,881			2,789,712			2,670,537			2,693,585			2,699,486
Average interest bearing liabilities		2,330,897			2,348,052			2,262,374			2,292,675			2,308,255
YEAR-TO-DATE
Diluted earnings per share	$	0.29		$	1.74		$	1.30		$	0.76		$	0.37
Cash dividends declared per common share		0.19			0.76			0.57			0.38			0.19
Return on average stockholders' equity		5.36	%		8.26	%		8.33	%		7.37	%		7.25	%
Return on tangible equity		6.58	%		10.61	%		10.80	%		9.60	%		9.47	%
Return on average assets		0.65	%		0.85	%		0.84	%		0.74	%		0.72	%
Net interest margin (FTE)		3.71	%		3.78	%		3.79	%		3.70	%		3.68	%
FTE adjustment - investments		1,250			4,737			3,472			2,219			1,069
FTE adjustment - loans		16			198			161			110			57
Amortization of intangibles		201			806			605			404			202
Amortization of intangibles, net of taxes		127			508			381			254			127
Average shares outstanding		17,139,732			14,375,323			14,018,949			14,006,820			13,991,748
Average diluted shares outstanding		17,212,980			14,465,718			14,108,546			14,093,163			14,090,246
Average earning assets		2,808,881			2,713,330			2,687,868			2,696,535			2,699,486
Average interest bearing liabilities		2,330,897			2,302,839			2,287,767			2,300,464			2,308,255
END OF PERIOD
Book value per share	$	21.72		$	21.72		$	21.20		$	20.82		$	20.85
Tangible book value per share		18.10			18.07			16.75			16.35			16.35
Shares outstanding		17,186,513			17,093,931			14,045,631			14,036,274			14,013,839
Full-time equivalent employees		1,057			1,091			1,111			1,103			1,097
Total number of ATM's		93			93			93			94			94
Total number of financial centers		84			84			84			84			84
Parent company only - investment in subsidiaries		305,182			303,183			300,946			298,310			297,860
Parent company only - intangible assets		133			133			133			133			133

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