The Company’s U2 annualized netcharge-off ratio for the

The Company’s summarizes u annualized netcharge-off homepage conclude ratio for the fourth quarter of 2008 was 0.50%, flat compared to thethird quarter. Excluding credit cards, the annualized net charge-off ratio forthe fourth quarter was 0.36% compared to 0.38% for the third quarter. Annualizednet credit card charge-offs for the fourth quarter were 2.02%, an increase of 22basis points from the previous quarter, but still more than 400 basis pointsbelow the most recently published credit card charge-off industry average. “Ourconservative culture has enabled us to engage in banking for 105 years, and thatculture is a big part of our success today,” added May.Total deposits were $2.3 billion at December 31, 2008, an increase of $153million, or 7.0% from the same period in 2007. At the beginning of 2008, theCompany implemented strategic initiatives to reduce its dependency on timedeposits.

As a result, non-time core deposits increased $290 million, or 27%,while the dependency on more costly time deposits decreased by $137 million fromDecember 31, 2007.Total assets for the Company were $2.9 billion at December 31, 2008.Stockholders’ equity increased 6.0% to $289 million at December 31, 2008compared to $272 million at December 31, 2007 if u seek amy . At December 31, 2008, book valueper share was $20.69 and tangible book value per share was $16.16 U2 concert tickets – wikipedia .Simmons First National Corporation is an Arkansas based financial holdingcompany with eight community banks in Pine Bluff, Lake Village, Jonesboro,Rogers, Searcy, Russellville, El Dorado and Hot Springs, Arkansas home page . The Company’seight banks conduct financial operations from 88 offices, of which 84 arefinancial centers, in 47 communities.The Simmons First National Corporation logo is available at CALLManagement will conduct a conference call to review this information beginningat 3:00 p.m Central Time on Thursday, January 15, 2009 u hrvatskoj . Interested persons canlisten 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 replayof the call will be available through 5:00 p.m Central Time on January 22, 2009by dialing 1-800-642-1687 The passcode for the replay is 77843240 univ. of . In addition,the call will be available live or in recorded version on the Company’s websiteat in this press release that are not historical facts should beconsidered forward-looking statements within the meaning of the PrivateSecurities Litigation Reform Act of 1995.

Forward-looking statements of thistype speak only as of the date of this news release u of l . By nature, forward-lookingstatements involve inherent risk and uncertainties state university . Various factors, including,but not limited to, economic conditions, credit quality, interest rates, loandemand and changes in the assumptions used in making the forward-lookingstatements, could cause actual results to differ materially from thosecontemplated by the forward-looking statements homepage . Additional information onfactors that might affect Simmons First National Corporation’s financial resultsis included in its Form 10-K filing with the Securities and Exchange Commission home page . Simmons First National Corporation SFNC Consolidated End of Period Balance Sheets For the Quarters Ended (Unaudited)Dec 31 Sep 30 Jun 30 Mar 31 Dec 31 2008 2008 2008 2008 2007———- ———- ———- ———- ———- (in thousands) ASSETS Cash andnon-interestbearingbalances duefrom banks$ 71,801 $ 70,640 $ 79,569 $ 86,891 $ 82,630 Interestbearingbalances duefrom banks61,085 71,837 76,253107,332 21,140 Federal fundssold 6,6507,310 44,430 53,7756,460———- ———- ———- ———- ———-Cash and cash equivalents 139,536149,787200,252247,998110,230 Investmentsecurities -held-to-maturity 187,301181,805186,400182,194190,284 Investmentsecurities -available-for-sale 463,683394,267439,625389,214340,646 Mortgage loansheld for sale 10,3364,377 11,5817,735 11,097 Assets held intradingaccounts 9048901,0045,8065,658 Loans 1,933,0741,936,2791,908,3281,842,1381,850,454Allowance for loan losses (25,841) (25,548) (25,752) (25,392) (25,303)———- ———- ———- ———- ———- Net loans 1,907,2331,910,7311,882,5761,816,7461,825,151 Premises andequipment 78,904 78,357 78,299 77,281 75,473 Foreclosedassets heldfor sale, net2,9954,0443,4403,5562,629 Interestreceivable20,930 23,322 20,863 19,696 21,345 Bank owned lifeinsurance 39,617 39,220 38,851 38,400 38,039 Goodwill 60,605 60,605 60,605 60,605 60,605 Core depositpremiums 2,5752,7772,9783,1803,382 Other assets8,490 10,0108,9689,3477,908———- ———- ———- ———- ———- TOTAL ASSETS $2,923,109 $2,860,192 $2,935,442 $2,861,758 $2,692,447========== ========== ========== ========== ========== LIABILITIES Non-interestbearingtransactionaccounts$334,998 $318,660 $335,310 $327,627 $310,181 Interestbearingtransactionaccounts andsavingsdeposits 1,026,8241,024,1761,025,908901,852761,233 Time depositsless than$100,000 556,118556,516577,435618,173659,181 Time depositsgreater than$100,000 418,393395,040424,330449,199452,262———- ———- ———- ———- ———-Total deposits2,336,3332,294,3922,362,9832,296,8512,182,857———- ———- ———- ———- ———- Federal fundspurchased andsecuritiessold underagreements torepurchase 115,449104,002115,554113,891128,806 Short-term debt 1,1121,4804,5495901,777 Long-termFHLB debt -affiliatebanks127,741126,089119,973108,809 51,355 Subordinateddebt issued tocapital trusts30,930 30,930 30,930 30,930 30,930 Accruedinterest andotherliabilities 22,752 22,482 23,302 29,898 24,316———- ———- ———- ———- ———- TOTALLIABILITIES2,634,3172,579,3752,657,2912,580,9692,420,041———- ———- ———- ———- ———- STOCKHOLDERS’EQUITY Capital stock 140140139139139 Surplus40,807 40,744 40,674 40,655 41,019 Undividedprofits244,655241,682237,859234,515229,520 Accumulatedothercomprehensiveincome (loss)Unrealized appreciation (depreciation) on AFS securities3,190 (1,749)(521) 5,4801,728———- ———- ———- ———- ———- TOTALSTOCKHOLDERS’EQUITY 288,792280,817278,151280,789272,406———- ———- ———- ———- ———- TOTALLIABILITIESANDSTOCKHOLDERS’EQUITY$2,923,109 $2,860,192 $2,935,442 $2,861,758 $2,692,447========== ========== ========== ========== ========== Simmons First National Corporation SFNC Consolidated Average Quarter-to-Date Balance Sheets For the Quarters Ended (Unaudited)Dec 31 Sep 30 Jun 30 Mar 31 Dec 31 2008 2008 2008 2008 2007———- ———- ———- ———- ———- (in thousands) ASSETS Cash andnon-interestbearingbalances duefrom banks$ 63,005 $ 70,908 $ 69,197 $ 70,105 $ 75,416 Interestbearingbalances duefrom banks 107,211 65,819 85,578 56,384 21,855 Federal fundssold14,394 32,910 55,543 35,4609,464———- ———- ———- ———- ———-Cash and cash equivalents 184,610169,637210,318161,949106,735 Investmentsecurities -held-to-maturity 181,249184,734184,603184,062180,631 Investmentsecurities -available-for-sale 410,628431,215431,869382,939338,276 Mortgage loansheld for sale4,6616,7598,7407,4747,535 Assets held intradingaccounts 9587275,7475,7315,588 Loans 1,948,3201,905,9791,869,3691,841,7621,856,973Allowance for loan losses (25,817) (25,878) (25,426) (25,622) (25,540)———- ———- ———- ———- ———- Net loans 1,922,5031,880,1011,843,9431,816,1401,831,433 Premises andequipment 79,048 78,383 78,170 76,528 74,569 Foreclosedassets heldfor sale, net3,7243,6933,6852,6592,086 Interestreceivable22,716 21,886 20,745 21,069 24,636 Bank owned lifeinsurance 39,411 39,038 38,600 38,213 37,820 Goodwill 60,605 60,605 60,605 60,605 60,605 Core depositpremiums 2,6942,8953,0953,2993,498 Other assets7,7488,2705,0537,2737,238———- ———- ———- ———- ———- TOTAL ASSETS $2,920,555 $2,887,943 $2,895,173 $2,767,941 $2,680,650========== ========== ========== ========== ========== LIABILITIES Non-interestbearingtransactionaccounts$322,540 $320,160 $318,978 $308,715 $306,939 Interestbearingtransactionaccounts andsavingsdeposits 1,040,6191,021,519972,687803,439748,670 Time depositsless than$100,000 565,219569,859598,264647,150668,458 Time depositsgreater than$100,000 408,764404,694438,887452,872443,790———- ———- ———- ———- ———-Total deposits2,337,1422,316,2322,328,8162,212,1762,167,857———- ———- ———- ———- ———- Federal fundspurchased andsecuritiessold underagreements torepurchase 116,048102,704110,646126,459121,792 Short-term debt 3,1539,6682,7911,715 13,202 Long-term debt159,027154,676147,948123,221 81,146 Accruedinterest andotherliabilities 20,078 21,948 21,935 26,484 24,211———- ———- ———- ———- ———- TOTALLIABILITIES2,635,4482,605,2282,612,1362,490,0552,408,208———- ———- ———- ———- ———- TOTALSTOCKHOLDERS’EQUITY 285,107282,715283,037277,886272,442———- ———- ———- ———- ———- TOTALLIABILITIESANDSTOCKHOLDERS’EQUITY$2,920,555 $2,887,943 $2,895,173 $2,767,941 $2,680,650========== ========== ========== ========== ========== Simmons First National Corporation SFNC Consolidated Statements of Income – Quarter-to-Date For the Quarters Ended (Unaudited) Dec 31Sep 30Jun 30Mar 31Dec 3120082008200820082007—————————————- (in thousands, exceptper share data) INTEREST INCOMELoans $ 30,266$ 31,548$ 31,159$ 33,106$ 35,955Federal funds sold31 176 285 256 116Investment securities6,758 7,063 7,055 6,569 5,990Mortgage loans held for sale, net of unrealized gains (losses) 74 112 113 112 122Assets held in trading accounts1–41 1 (23)Interest bearing balances due from banks 231 309 487 388 223—————————————- TOTAL INTERESTINCOME37,36139,20839,14040,43242,383—————————————- INTEREST EXPENSETime deposits7,807 8,49110,00611,92212,918Other deposits 3,643 4,116 3,899 3,266 3,257Federal funds purchased and securities sold under agreements to repurchase 297 429 463 921 1,317Short-term debt 10621920 167Long-term debt 1,824 1,763 1,655 1,511 1,203—————————————- TOTAL INTERESTEXPENSE 13,58114,86116,04217,64018,862—————————————- NET INTEREST INCOME23,78024,34723,09822,79223,521Provision for loan losses2,751 2,214 2,214 1,467 1,749—————————————- NET INTEREST INCOMEAFTER PROVISION FORLOAN LOSSES 21,02922,13320,88421,32521,772—————————————- NON-INTEREST INCOMETrust income 1,524 1,608 1,450 1,648 1,580Service charges on deposit accounts4,013 4,009 3,691 3,434 3,882Other service charges and fees659 648 621 753 818Income on sale of mortgage loans, net of commissions530 595 760 721 644Income on investment banking, net of commissions 246 131 199 449 230Credit card fees 3,435 3,491 3,480 3,173 3,428Premiums on sale of student loans– 3 507 624 299Bank owned life insurance income389 370 425 361 403Other income 530 433 587 3,829 557—————————————- TOTAL NON-INTERESTINCOME11,32611,28811,72014,99211,841—————————————- NON-INTEREST EXPENSESalaries and employee benefits14,35314,05614,43314,20813,458Occupancy expense, net 1,857 1,912 1,804 1,810 1,729Furniture and equipment expense 1,462 1,543 1,472 1,490 1,438Other real estate and foreclosure expense5357874276Deposit insurance325 267 11388 108Other operating expenses6,530 6,606 6,300 5,492 7,941—————————————- TOTAL NON-INTERESTEXPENSE 24,58024,44124,20923,13024,750—————————————- NET INCOME BEFOREINCOME TAXES 7,775 8,980 8,39513,187 8,863Provision for income taxes 2,149 2,506 2,401 4,371 2,671—————————————- NET INCOME $5,626$6,474$5,994$8,816$6,192======================================== BASIC EARNINGS PERSHARE $ 0.40$ 0.47$ 0.43$ 0.63$ 0.45======================================== DILUTED EARNINGS PERSHARE $ 0.40$ 0.46$ 0.42$ 0.63$ 0.44======================================== Simmons First National Corporation SFNC Consolidated Statements of Income – Year-to-Date For the Quarters Ended (Unaudited) Dec 31Sep 30Jun 30Mar 31Dec 3120082008200820082007—————————————- (in thousands, exceptper share data) INTEREST INCOMELoans $126,079$ 95,812$ 64,264$ 33,106$141,706Federal funds sold 748 716 540 256 1,418Investment securities 27,44520,68713,624 6,56923,646Mortgage loans held for sale, net of unrealized gains (losses)411 338 226 112 505Assets held in trading accounts 434242 1 100Interest bearing balances due from banks 1,415 1,184 875 388 1,161—————————————- TOTAL INTERESTINCOME 156,141 118,77979,57140,432 168,536—————————————- INTEREST EXPENSETime deposits 38,22630,42021,92911,92252,385Other deposits14,92411,280 7,163 3,26613,089Federal funds purchased and securities sold under agreements to repurchase 2,110 1,813 1,385 921 5,371Short-term debt111 1013820 804Long-term debt 6,753 4,929 3,166 1,511 4,771—————————————- TOTAL INTERESTEXPENSE 62,12448,54333,68117,64076,420—————————————- NET INTEREST INCOME94,01770,23645,89022,79292,116Provision for loan losses8,646 5,895 3,681 1,467 4,181—————————————- NET INTEREST INCOMEAFTER PROVISION FORLOAN LOSSES 85,37164,34142,20921,32587,935—————————————- NON-INTEREST INCOMETrust income 6,230 4,707 3,098 1,648 6,218Service charges on deposit accounts 15,14511,134 7,125 3,43414,794Other service charges and fees2,681 2,021 1,374 753 3,016Income on sale of mortgage loans, net of commissions2,606 2,077 1,482 721 2,766Income on investment banking, net of commissions 1,025 779 648 449 623Credit card fees13,57910,144 6,653 3,17312,217Premiums on sale of student loans 1,134 1,135 1,132 624 2,341Bank owned life insurance income1,547 1,157 787 361 1,493Other income 5,379 4,843 4,413 3,829 2,535—————————————- TOTAL NON-INTERESTINCOME49,32637,99726,71214,99246,003—————————————- NON-INTEREST EXPENSESalaries and employee benefits57,05042,69728,64114,20854,865Occupancy expense, net 7,383 5,526 3,615 1,810 6,674Furniture and equipment expense 5,967 4,505 2,962 1,490 5,865Other real estate and foreclosure expense 239 185 12942 212Deposit insurance793 468 20188 328Other operating expenses 24,92818,39511,791 5,49226,253—————————————- TOTAL NON-INTERESTEXPENSE 96,36071,77647,33923,13094,197—————————————- NET INCOME BEFOREINCOME TAXES38,33730,56221,58213,18739,741Provision for income taxes11,427 9,278 6,772 4,37112,381—————————————- NET INCOME $ 26,910$ 21,284$ 14,810$8,816$ 27,360======================================== BASIC EARNINGS PERSHARE $ 1.93$ 1.53$ 1 U2 .06$ 0.63$ 1.95======================================== DILUTED EARNINGS PERSHARE $ 1.91$ 1.51$ 1.05$ 0.63$ 1.92======================================== Simmons First National Corporation SFNC Consolidated Risk-Based Capital For the Quarters Ended (Unaudited)Dec 31 Sep 30 Jun 30 Mar 31 Dec 31 2008 2008 2008 2008 2007———- ———- ———- ———- ———- (in thousands) Tier 1 capital ————–Stockholders’ equity $288,792 $280,817 $278,151 $280,789 $272,406Trust preferred securities, net allowable30,000 30,000 30,000 30,000 30,000Disallowed intangible assets, net of def.

tax (53,034) (63,125) (63,330) (63,536) (63,706)Unrealized loss (gain) on AFS securities (3,190) 1,749521 (5,480)(1,728)———- ———- ———- ———- ———- Total Tier 1capital262,568249,441245,342241,773236,972———- ———- ———- ———- ———- Tier 2 capital ————–Qualifying unrealized gain on AFS securities1793 19 17 52Qualifying allowance for loan losses24,827 24,888 25,136 24,405 23,866———- ———- ———- ———- ———- Total Tier 2capital 25,006 24,891 25,155 24,422 23,918———- ———- ———- ———- ———- Totalrisk-basedcapital $287,574 $274,332 $270,497 $266,195 $260,890========== ========== ========== ========== ========== Risk weightedassets$1,983,654 $1,988,879 $2,008,764 $1,949,862 $1,906,321========== ========== ========== ========== ========== Adjustedaverage assetsfor leverageratio $2,870,882 $2,825,844 $2,826,216 $2,698,488 $2,615,915========== ========== ========== ========== ========== Ratios at endof quarter ————-Equity to assets 9.88%9.82%9.48%9.81% 10.12%Tangible equity to tangible assets 7.89%7.77%7.47%7.76%7.93%Leverage ratio9.15%8.83%8.68%8.96%9.06%Tier 1 capital 13.24% 12.54% 12.21% 12.40% 12.43%Total risk-based capital 14.50% 13.79% 13.47% 13.65% 13.69% Simmons First National Corporation SFNC Consolidated Loans and Investments For the Quarters Ended (Unaudited)Dec 31 Sep 30 Jun 30 Mar 31 Dec 31 2008 2008 2008 2008 2007———- ———- ———- ———- ———- (in thousands) Loan Portfolio- End ofPeriod ————–Consumer Credit cards $169,615 $162,862 $162,103 $158,701 $166,044 Studentloans111,584102,346 75,371 84,884 76,277 Otherconsumer 138,145137,763135,342135,247137,624———- ———- ———- ———- ———-Total consumer419,344402,971372,816378,832379,945Real Estate Construction224,924227,071245,284257,635260,924 Single-familyresidential409,540400,845388,353383,167382,676 Othercommercial 584,843576,958558,257547,335542,184———- ———- ———- ———- ———-Total real estate1,219,3071,204,8741,191,8941,188,1371,185,784Commercial Commercial192,496184,690229,817198,209193,091 Agricultural 88,233130,988100,923 62,373 73,470 Financialinstitutions 3,4712,5814,5064,5037,440———- ———- ———- ———- ———-Total commercial284,200318,259335,246265,085274,001Other 10,223 10,1758,372 10,084 10,724———- ———- ———- ———- ———-Total Loans $1,933,074 $1,936,279 $1,908,328 $1,842,138 $1,850,454========== ========== ========== ========== ========== InvestmentSecurities -End of Period ————–Held-to- Maturity U.STreasury$ — $ — $1,500 $1,500 $1,500 U.SGovernmentagencies18,000 19,000 24,000 24,000 37,000 Mortgage-backedsecurities 109112117121129 State andpoliticalsubdivisions 168,262161,763159,853154,166149,262 Othersecurities 9309309302,4072,393———- ———- ———- ———- ———-Total held- to-maturity 187,301181,805186,400182,194190,284———- ———- ———- ———- ———-Available-for- Sale U.S . Treasury 6,0896,9902,4652,5105,524 U.SGovernmentagencies 351,161364,995370,022346,925320,791 Mortgage-backedsecurities 2,8792,7982,8402,9612,757 State andpoliticalsubdivisions 637637637637858 FHLB stock7,3587,8907,4536,4685,913 Othersecurities95,559 10,957 56,208 29,7134,804———- ———- ———- ———- ———-Total available- for-sale463,683394,267439,625389,214340,647———- ———- ———- ———- ———-Total investment securities $650,984 $576,072 $626,025 $571,408 $530,931========== ========== ========== ========== ==========Fair Value – HTM investment securities $187,320 $180,519 $185,665 $184,757 $191,738========== ========== ========== ========== ========== InvestmentSecurities -QTD Average ————-Taxable securities $429,314 $455,547 $457,918 $414,718 $378,811Tax exempt securities162,563160,402158,554152,283140,096———- ———- ———- ———- ———- Totalinvestmentsecurities -QTD average $591,877 $615,949 $616,472 $567,001 $518,907========== ========== ========== ========== ========== Simmons First National Corporation SFNC Consolidated Allowance and Asset Quality For the Quarters Ended (Unaudited) Dec 31Sep 30Jun 30Mar 31Dec 3120082008200820082007—————————————- (in thousands) Allowance for LoanLosses ——————Balance, beginning of quarter $ 25,548$ 25,752$ 25,392$ 25,303$ 25,107—————————————-Loans charged off Credit cards1,033 971 977 779 670 Other consumer697 459 592 357 412 Real estate 517 1,274 719 477 669 Commercial761 37952 202 211—————————————-Total loans charged off 3,008 3,083 2,340 1,815 1,962—————————————-Recoveries of loans previously charged off Credit cards202 237 252 192 231 Other consumer 97 137 132 153 104 Real estate3573207938 Commercial216 218821336—————————————-Total recoveries 550 665 486 437 409—————————————- Net loans chargedoff2,458 2,418 1,854 1,378 1,553Provision for loan losses2,751 2,214 2,214 1,467 1,749—————————————-Balance, end of quarter$ 25,841$ 25,548$ 25,752$ 25,392$ 25,303======================================== Non-performing assets ———————Non-performing loans Nonaccrual loansReal estate $ 12,234$9,248$ 10,373$6,735$7,350Commercial 668 1,778 1,494 619 883Consumer 1,456 1,420 1,409 1,590 1,676—————————————- Total nonaccrualloans 14,35812,44613,276 8,944 9,909 Loans past due 90days or more 1,292 1,572 1,202 2,158 1,282—————————————-Total non-performing loans15,65014,01814,47811,10211,191—————————————-Other non-performing assets Foreclosed assetsheld for sale2,995 4,044 3,440 3,556 2,629 Othernon-performingassets12– 1 917—————————————-Total other non-performing assets3,007 4,044 3,441 3,565 2,646—————————————- Totalnon-performingassets$ 18,657$ 18,062$ 17,919$ 14,667$ 13,837======================================== Ratios ——Allowance for loan losses to total loans1.34% 1.32% 1.35% 1.38% 1.37%Allowance for loan losses to non-performing loans165.12% 182.25% 177.87% 228.72% 226.10%Allowance for loan losses to non-performing assets 138.51% 141.45% 143.71% 173.12% 182.86%Non-performing loans to total loans 0.81% 0.72% 0.76% 0.60% 0.60%Non-performing assets to total assets 0.64% 0.63% 0.61% 0.51% 0.51%Annualized net charge offs to total loans0.50% 0.50% 0.40% 0.30% 0.33%Annualized net charge offs to total loans (excluding credit cards) 0.36% 0.38% 0.27% 0.19% 0.26%Past due loans greater than 30 days (excluding nonaccrual)0.88% 0.63% 0.48% 1.07% 0.70% Simmons First National Corporation SFNC Consolidated – Net Interest Income Analysis For the Quarters Ended (Unaudited)Dec 31Sep 30Jun 30Mar 31Dec 31 20082008200820082007—————————— ASSETS Earning AssetsInterest bearing balances due from banks 0.86% 1.87% 2.29% 2.77% 4.05%Federal funds sold0.86% 2.13% 2.06% 2.90% 4.86%Investment securities 5.20% 5.19% 5.22% 5.31% 5.22%Mortgage loans held for sale6.32% 6.59% 5.20% 6.03% 6.42%Assets held in trading accounts 0.42% 0.00% 2.87% 0.07%-1.63%Loans 6.19% 6.60% 6.72% 7.24% 7.70% Total interest earning assets5.73% 6.09% 6.11% 6.63% 7.10% LIABILITIES Interest bearing liabilitiesInterest bearing transaction and savings accounts 1.39% 1.60% 1.61% 1.63% 1.73%Time deposits 3.19% 3.47% 3.88% 4.36% 4.61% Total interest bearingdeposits2.26% 2.51% 2.78% 3.21% 3 U2 – u2 .45%Federal funds purchased and securities sold under agreement to repurchase1.02% 1.66% 1.68% 2.93% 4.29%Short-term debt 1.26% 2.55% 2.74% 4.69% 5.02%Long-term debt4.56% 4.53% 4.50% 4.93% 5.88% Total interest bearingliabilities 2.36% 2.61% 2.84% 3.29% 3.60% NET INTEREST MARGIN/SPREADNet interest spread 3.37% 3.48% 3.27% 3.34% 3.49%Net interest margin – quarter-to-date3.70% 3.84% 3.67% 3.80% 4.00%Net interest margin – year-to-date 3.75% 3.77% 3.74% 3.80% 3.96% Simmons First National Corporation SFNC Consolidated – Selected Financial Data For the Quarters Ended (Unaudited)Dec 31 Sep 30 Jun 30 Mar 31 Dec 31 2008 2008 2008 2008 2007———- ———- ———- ———- ———- (in thousands,except pershare data) QUARTER-TO-DATE —————Diluted earnings per share$ 0.40 $ 0.46 $ 0.42 $ 0.63 $ 0.44Core earnings (excludes nonrecurring items) (non-GAAP)5,6266,4745,9946,2586,936Diluted core earnings per share (non-GAAP) 0.40 0.46 0.42 0.45 0.49Cash dividends declared per common share 0.19 0.19 0.19 0.19 0.19Cash dividends declared – amount2,6532,6512,6502,6472,645Return on average stockholders’ equity 7.85%9.11%8.52% 12.76%9.02%Return on tangible equity10.32% 11.98% 11.22% 16.81% 12.25%Return on average assets 0.77%0.89%0.83%1.28%0.92%Net interest margin (FTE) 3.70%3.84%3.67%3.80%4.00%FTE Adjustment – investments 980967952916842FTE Adjustment – loans63 64 57 61 67Amortization of intangibles 202201202202202Amortization of intangibles, net of taxes127127127127127Average shares outstanding13,959,174 13,951,373 13,940,253 13,929,974 13,924,592Shares repurchased– — 21,700 23,480 25,895Average price of repurchased shares — –30.2526.6526.38Average earning assets2,667,4212,628,1432,641,4492,513,8122,420,322Average interest bearing liabilities 2,292,8302,263,1202,271,2232,154,8562,077,058 YEAR-TO-DATE ————Diluted earnings per share$ 1.91 $ 1.51 $ 1.05 $ 0.63 $ 1.92Core earnings (excludes nonrecurring items) (non-GAAP) 24,352 18,726 12,2526,258 28,104Diluted core earnings per share (non-GAAP) 1.73 1.33 0.87 0.45 1.97Cash dividends declared per common share 0.76 0.57 0.38 0.19 0.73Return on average stockholders’ equity 9.54% 10.11% 10.62% 12.76% 10.26%Return on tangible equity12.54% 13.30% 13.98% 16.81% 13.78%Return on average assets 0.94%1.00%1.05%1.28%1.03%Net interest margin (FTE) 3.75%3.77%3.74%3.80%3.96%FTE Adjustment – investments 3,8152,8351,8689163,170FTE Adjustment – loans 245182118 61293Amortization of intangibles 807605404202819Amortization of intangibles, net of taxes508381254127515Average shares outstanding13,945,249 13,940,573 13,935,114 13,929,980 14,043,626Average diluted shares outstanding14,107,943 14,109,028 14,087,690 14,069,322 14,241,182Average earning assets2,617,5062,594,4692,577,6322,513,8122,412,218Average interest bearing liabilities 2,245,5092,229,7332,213,0392,154,8562,070,049 END OF PERIOD ————-Book value per share$20.69 $20.12 $19.94 $20.14 $19.57Tangible book value per share 16.1615.5815.3815.5614.97Shares outstanding13,960,680 13,958,932 13,948,442 13,941,849 13,918,368Full-time equivalent employees 1,1231,1251,1351,1211,128Total number of ATM’s 93 93 95 92 90Total number of financial centers84 84 85 85 84Parent company only – investment in subsidiaries291,392285,474284,614290,465288,744Parent company only – intangible assets133133133133133 Simmons First National Corporation SFNC Consolidated – Reconciliation of Core Earnings (non-GAAP) For the Quarters Ended (Unaudited) Dec 31Sep 30Jun 30Mar 31Dec 3120082008200820082007—————————————- (in thousands, exceptper share data) QUARTER-TO-DATE —————Net Income$5,626$6,474$5,994$8,816$6,192 Nonrecurring itemsMandatory stock redemption gain (Visa) ——(2,973) –Litigation liability (Visa) ——(1,220)1,220Tax effect (39%)—— 1,635(476)—————————————- Net nonrecurringitems ——(2,558)744—————————————-Core earnings (non-GAAP) $5,626$6,474$5,994$6,258$6,936========================================Diluted earnings per share$ 0.40$ 0.46$ 0.42$ 0.63$ 0.44 Nonrecurring itemsMandatory stock redemption gain (Visa) —— (0.21) –Litigation liability (Visa) —— (0.09) 0.09Tax effect (39%)——0.12 (0.04)—————————————- Net nonrecurringitems —— (0.18) 0.05—————————————-Diluted core earnings per share (non-GAAP) $ 0.40$ 0.46$ 0.42$ 0.45$ 0.49======================================== YEAR-TO-DATE ————Net Income$ 26,910$ 21,284$ 14,810$8,816$ 27,360 Nonrecurring itemsMandatory stock redemption gain (Visa) (2,973) (2,973) (2,973) (2,973) –Litigation liability (Visa) (1,220) (1,220) (1,220) (1,220)1,220Tax effect (39%) 1,635 1,635 1,635 1,635(476)—————————————- Net nonrecurringitems (2,558) (2,558) (2,558) (2,558)744—————————————-Core earnings (non-GAAP) $ 24,352$ 18,726$ 12,252$6,258$ 28,104========================================Diluted earnings per share$ 1.91$ 1.51$ 1.05$ 0.63$ 1.92 Nonrecurring itemsMandatory stock redemption gain (Visa)(0.21)(0.21)(0.21)(0.21) –Litigation liability (Visa)(0.09)(0.09)(0.09)(0.09) 0.09Tax effect (39%)0.120.120.120.12 (0.04)—————————————- Net nonrecurringitems(0.18)(0.18)(0.18)(0.18) 0.05—————————————-Diluted core earnings per share (non-GAAP) $ 1.73$ 1.33$ 0.87$ 0.45$ 1.97========================================-0-CONTACT:Simmons First National CorporationDavid W u hrvatskoj . Garner, Senior Vice President and InvestorRelations Officer(870) 541-1000 univ. of . NEW YORK, NY, Jan 15 (MARKET WIRE) — Hunt Gold Corporation (PINKSHEETS: HGLC) is pleased to announce thecompletion of its current round of drilling at the Company’s”Mockingbird” Gold property in Arizona.The 8th and final hole was drilled at the Dandy Gold Mine, which islocated in the southern part of the Company’s “Mockingbird” property . Itwas drilled at an azimuth of 182 degrees (almost due south) and an angleof -50 degrees. The hole encountered foliated Precambrianquartzofeldspathic gneiss for its entire length. There were local zonesof quartz flooding and, as with Hunt Gold Corporation’s previous drillholes at the Mockingbird project, a substantial hematitic overprint.At 108 feet the hole encountered historic mine workings.

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