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644-906 - Implementing and Maintaining Cisco Technologies using IOS XR - BrainDump Information

Vendor Name : Cisco
Exam Code : 644-906
Exam Name : Implementing and Maintaining Cisco Technologies using IOS XR
Questions and Answers : 77 Q & A
Updated On : June 15, 2018
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644-906 Certification Brain Dumps Source : Implementing and Maintaining Cisco Technologies using IOS XR

Test Code : 644-906
Test Name : Implementing and Maintaining Cisco Technologies using IOS XR
Vendor Name : Cisco
Q&A : 77 Brain Dump Questions

Implementing and Maintaining Cisco

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    No influence found, try new key phrase!as the world becomes drastically more interconnected by the day, each primary agency on earth is scrambling to implement and hold huge networking ... including the Cisco Routing and Switching Certification, the Cisco instant network ...

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    It’s a qualifying examination, which is fundamental for the Cisco CCNP Certification. This exam will certify your abilities and ability in routing. You can be proven on your ability to use superior IP addressing and routing when implementing highly cozy Cisco routers that are related to WANs, LANs, and IPv6.

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    in a single of the interview with a hit candidate mentioned that, “i realized I had sort of overlooked route in my bid to purchase as an awful lot information as I might. fortunately, I knew whatever on route in any other case I basically would have failed this examination. Tshoot changed into pretty essential after doing the route exam. many of the questions were lined within the route examination.” therefore, it's advised to examine as lots as feasible on all three exam elements. it's wide analyzing and it's easy to be taken up by using one part, primarily one you without difficulty remember. Neglecting one exam capacity you fail and don't get the certification.

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    644-906 Certification Brain Dumps Source : Implementing and Maintaining Cisco Technologies using IOS XR

    Test Code : 644-906
    Test Name : Implementing and Maintaining Cisco Technologies using IOS XR
    Vendor Name : Cisco
    Q&A : 77 Brain Dump Questions

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    home BancShares, Inc. publicizes a 28.3% raise in 2d Quarter earnings | killexams.com real questions with brain dumps

    July 21, 2016 08:00 ET | source: domestic BancShares, Inc.

    CONWAY, Ark., July 21, 2016 (GLOBE NEWSWIRE) -- home BancShares, Inc. (NASDAQ:HOMB), mum or dad company of Centennial financial institution, today announced a listing quarterly earnings of $forty three.5 million, or $0.31 diluted earnings per share for the second quarter of 2016 in comparison to $33.9 million or $0.25 diluted revenue per share (cut up adjusted) for the same quarter in 2015.  The business increased its 2nd quarter earnings by way of $9.6 million or 28.3% for the three months ended June 30, 2016 compared to the identical period of the old yr.  The enterprise additionally announced $172.5 million in quarterly biological loan boom all through the second quarter of 2016, a core efficiency ratio of 36.84% and a quarterly return on belongings of 1.83%. 

    “during the 2d quarter of 2016, we endured our momentum growing each profits and biological loans,” referred to John Allison, Chairman. “organic loans grew by using $172.5 million for the quarter, while the core effectivity ratio superior again to an astounding 36.84%.  moreover, we're happy to have crossed an additional milestone via reporting a quarterly return on belongings more advantageous than 1.eighty% for the 2d quarter of 2016 at 1.83%.” 

    “The 2d quarter of 2016 marked the twenty-first consecutive quarter we have successively suggested essentially the most ecocnomic quarter in the company's heritage,” stated Randy Sims, home BancShares, Inc. Chief government Officer. “Our 2nd quarter salary are $43.5 million, which is 5.0%, bigger than the previous checklist quarterly salary reported for domestic BancShares.  The company’s diluted revenue per share reached a new high of $0.31 per share for the quarter simply ended.”

    “The company’s second quarter monetary outcomes and biological mortgage growth are astounding considering the amount of personal loan payoffs throughout the quarter. This offers us the momentum to searching for alternatives to expand our existing footprint or enter new markets,” added Tracy French, Centennial financial institution President and Chief govt Officer.  “as a result of we now have the capability to both generate and preserve a great deal of capital each and every quarter, this places us in the enviable position to self-fund the capital we want for organic growth alternatives as they come up.” 

    working Highlights

    each and every quarter we function credit impairment exams on the loans got in our FDIC loss sharing and non-loss sharing acquisitions.  all over our 2d quarter 2016 impairment testing, a couple of non-loss share pools were decided to have a fabric projected credit improvement. This projected credit score growth offset with the aid of the anticipated decline in accretion salary from the maturing of got personal loan portfolios, resulted in a net improvement of identified accretion income when in comparison to the primary quarter of 2016.  in consequence, yields on loans and web hobby margin for the quarter just ended are just a little elevated when compared to the first quarter of 2016.

    internet interest margin, on a completely taxable equal groundwork, became 4.eighty three% for the quarter simply ended in comparison to 5.00% for the same quarter in 2015 and in comparison to 4.eighty one% for the first quarter of 2016.  Accretion yield on purchased loans extended $300,000 from $10.7 million for the primary quarter of 2016 to $eleven.0 million for 2nd quarter of 2016.  The internet interest margin, except accretion yield on bought loans expanded a bit from the first quarter of 2016 to the second quarter of 2016 at 4.22% and four.24%, respectively.

    all the way through the second quarter of 2016, the company recorded a provision for personal loan lack of $5.7 million in comparison to $5.four million in the 2nd quarter of 2015.  The $5.7 million of provision for loan loss is a reflection of the organic mortgage increase and net charge-offs for the 2nd quarter of 2016.

    The company reported $21.eight million of non-hobby profits for the second quarter of 2016, compared to $17.0 million for the second quarter of 2015.  probably the most crucial accessories of the 2d quarter non-pastime earnings had been $eight.0 million from other carrier charges and fees, $6.2 million from carrier expenses on deposits debts, $3.5 million from personal loan lending revenue, $2.5 million from other profits, $840,000 from benefit on sale of branches, gadget and other property, internet and $617,000 from insurance commissions offset via the $941,000 of loss on OREO and $410,000 of internet amortization on the FDIC indemnification asset.  different income includes $241,000 of mortgage recoveries on our FDIC lined transactions and a $925,000 healing on different historic losses.

    because of the identified credit advancements in prior years, the enterprise has been lowering the base of the indemnification asset to be recognized as FDIC amortization over the weighted commonplace lifetime of the loss-share agreements.  The recognition of this amortization has begun to slow down because the 5-12 months loss-share has expired and handiest the ten-12 months loss-share remains.  as a result, there became a $1.eight million decline of FDIC indemnification amortization from the second quarter of 2015 to the 2d quarter of 2016.

    Non-hobby price for the 2nd quarter of 2016 become $forty seven.6 million compared to $43.3 million for the 2d quarter of 2015.  This raise is essentially linked to the institution of the Centennial industrial Finance neighborhood (“Centennial CFG”) in big apple metropolis all the way through the 2nd quarter of 2015, the acquisition of FBBI all over the fourth quarter of 2015 and $1.2 million of write-downs on vacant homes from closed branches all over the 2nd quarter of 2016.  For the 2nd quarter of 2016, our core effectivity ratio turned into 36.eighty four% which is superior from the forty.30% said for 2nd quarter of 2015.

    fiscal condition

    total non-covered loans have been $6.96 billion at June 30, 2016 compared to $6.fifty eight billion at December 31, 2015.  complete lined loans have been $57.four million at June 30, 2016 in comparison to $sixty two.2 million at December 31, 2015.  total deposits had been $6.71 billion at June 30, 2016 in comparison to $6.forty four billion at December 31, 2015.  complete belongings have been $9.fifty eight billion at June 30, 2016 compared to $9.29 billion at December 31, 2015.

    From December 31, 2015 to June 30, 2016, the company produced approximately $385.3 million of organic non-lined loan growth, of which $209.7 million is linked to loan originations within the legacy footprint with the final $175.6 million being associated with Centennial CFG.  Centennial CFG had loans of $891.three million at June 30, 2016.

    From March 31, 2016 to June 30, 2016, the enterprise produced about $172.5 million of organic non-lined loan growth, of which $132.6 million is associated with personal loan originations within the legacy footprint with the last $39.9 million being linked to Centennial CFG.

    Non-performing non-coated loans at June 30, 2016 are $27.3 million, $28.3 million, $397,000 and zero in the Arkansas, Florida, Alabama and Centennial CFG markets, respectively, for a total of $fifty six.0 million.  Non-performing non-lined loans as a % of complete non-covered loans had been 0.80% as of June 30, 2016 in comparison to 0.ninety two% as of December 31, 2015.  Non-performing non-covered belongings at June 30, 2016 are $40.6 million, $31.9 million, $998,000 and zero within the Arkansas, Florida and Alabama and Centennial CFG markets, respectively, for a total of $seventy three.5 million.  Non-performing non-coated property as a % of complete non-coated assets had been 0.seventy seven% as of June 30, 2016 in comparison to 0.eighty five% as of December 31, 2015.

    The business’s allowance for mortgage losses for non-covered loans turned into $seventy one.8 million at June 30, 2016, or 1.03% of complete non-covered loans, in comparison to $sixty six.6 million, or 1.01% of total non-lined loans, at December 31, 2015.  As of June 30, 2016 and December 31, 2015, the allowance for loan losses for non-coated loans plus bargain for credit score losses on non-coated loans bought to complete non-covered loans plus discount for credit losses on non-lined loans obtained changed into 2.fifty six% and 3.07%, respectively.  This reduce is primarily the effect of organic personal loan increase in 2016 plus projected credit growth from old durations on the obtained impaired loans and write-downs on bought credit impaired loans.  As of June 30, 2016 and December 31, 2015, the company’s allowance for mortgage losses for non-lined loans was 128% and 111% of its complete non-performing non-covered loans, respectively.

    Stockholders’ fairness was $1.26 billion at June 30, 2016 in comparison to $1.20 billion at December 31, 2015, an increase of $sixty five.2 million.  ebook cost per ordinary share turned into $9.01 at June 30, 2016 compared to $eight.fifty five (break up adjusted) at December 31, 2015.  Tangible publication cost per general share became $6.18 at June 30, 2016 in comparison to $5.71 (cut up adjusted) at December 31, 2015 for an annualized raise of sixteen.6%. 

    Branches

    with the intention to obtain efficiencies basically from the acquisitions, the enterprise closed and bought its Clermont, Florida place right through the second quarter of 2016 for a benefit of $738,000.  throughout the third quarter of 2016, the company has plans to add deposit operations to its mortgage construction office in new york city and close one Arkansas region. The company at the moment has seventy seven branches in Arkansas, fifty eight branches in Florida, 6 branches in Alabama plus one branch and one mortgage construction workplace in manhattan city.

    conference name

    management will habits a conference name to assessment this counsel at 1:00 p.m. CT (2:00 ET) on Thursday, July 21, 2016.  We motivate all contributors to pre-register for the convention call using right here hyperlink:  http://dpregister.com/10087841.  Callers who pre-register may be given dial-in guidelines and a unique PIN to profit immediate access to the reside call.  individuals may pre-register at any time prior to the name and may instantly acquire basic instructions by way of email.  The home BancShares conference call will even be automatically scheduled as an experience for your Outlook calendar.

    those without cyber web access or unable to pre-register may additionally dial in and hearken to the reside name via calling 1-877-508-9586 and requesting the domestic BancShares convention call.  A replay of the name can be available with the aid of calling 1-877-344-7529, Passcode: 10087841, which should be accessible unless July 28, 2016 at 10:59 p.m. CT (11:59 ET). cyber web entry to the name may be obtainable live or in recorded version on the enterprise's web page at www.homebancshares.com below “Investor relations” for three hundred and sixty five days.

    standard

    This liberate incorporates ahead-searching statements concerning the company's plans, expectations, dreams and outlook for the long run. Statements during this press liberate that don't seem to be historic data should be regarded ahead-searching statements within the meaning of the inner most Securities Litigation Reform Act of 1995. forward-searching statements of this type talk only as of the date of this news release. through nature, ahead-looking statements contain inherent risk and uncertainties. a lot of components, including, but not limited to, financial circumstances, credit nice, interest prices, loan demand, the skill to correctly combine new acquisitions and alterations in the assumptions utilized in making the ahead-looking statements, might trigger actual effects to differ materially from those pondered through the ahead-looking statements. additional information on elements that may have an effect on home BancShares, Inc.'s financial consequences is included in its Annual report on form 10-ok for the year ended December 31, 2015 filed with the Securities and change fee (the “SEC”) on February 26, 2016.

    domestic BancShares, Inc. is a financial institution maintaining enterprise, headquartered in Conway, Arkansas. Our totally-owned subsidiary, Centennial bank, offers a huge range of industrial and retail banking plus related economic functions to corporations, precise property developers, traders, individuals and municipalities. Centennial bank has department locations in Arkansas, Florida, South Alabama and a personal loan creation workplace in new york metropolis. The company's regular inventory is traded in the course of the NASDAQ world choose Market beneath the image “HOMB.”

         home BancShares, Inc.     Consolidated end of duration stability Sheets     (Unaudited)                     Jun. 30,   Mar. 31,   Dec. 31,   Sep. 30,   Jun. 30,    (In heaps)     2016       2016       2015       2015       2015                    assets                           money and due from banks $ 136,632   $ a hundred and fifteen,206   $ 111,258   $ 120,262   $ 116,682     activity-bearing deposits with other banks     forty eight,762       forty two,866       a hundred and forty four,565       108,394       87,729     money and money equivalents   185,394     158,072     255,823     228,656     204,411     Federal funds sold   525     7,050     1,550     -     -     investment securities - purchasable-for-sale   1,221,778     1,207,773     1,206,580     1,141,405     1,080,000     investment securities - held-to-maturity   287,725     299,050     309,042     324,949     336,993     Loans receivable not lined through loss share   6,964,716     6,792,one hundred seventy     6,579,401     5,900,a hundred seventy five     5,499,028     Loans receivable covered through FDIC loss share   fifty seven,440     60,042     62,one hundred seventy     one hundred and five,414     159,891     Allowance for personal loan losses     (seventy four,341 )     (72,306 )     (sixty nine,224 )     (sixty three,659 )     (60,258 )   Loans receivable, web   6,947,815     6,779,906     6,572,347     5,941,930     5,598,661     bank premises and machine, web   207,932     210,764     212,163     205,505     209,425     Foreclosed belongings held on the market not lined through loss share   17,573     19,657     18,526     18,204     16,539     Foreclosed assets held for sale covered by way of FDIC loss share   205     545     614     2,612     4,472     FDIC indemnification asset   8,a hundred thirty     8,656     9,284     11,290     15,874     money price of existence insurance   eighty five,889     85,538     eighty five,146     75,281     seventy five,015     accrued hobby receivable   28,548     28,833     29,132     26,977     24,447     Deferred tax asset, internet   61,613     sixty nine,564     seventy one,565     63,075     sixty two,088     Goodwill   377,983     377,983     377,983     322,728     322,728     Core deposit and other intangibles   19,835     20,597     21,443     18,828     19,816     other belongings     131,181       123,463       117,924       134,113       103,913     total property  $   9,582,126   $   9,397,451   $   9,289,122   $   eight,515,553   $   8,074,382                   LIABILITIES AND STOCKHOLDERS' equity                           Liabilities             Deposits:             Demand and non-interest-bearing $ 1,645,472   $ 1,562,565   $ 1,456,624   $ 1,409,949   $ 1,406,051     discounts and activity-bearing transaction money owed   3,678,546     3,602,868     3,551,684     three,230,722     3,099,522     Time deposits     1,388,930       1,412,086       1,430,201       1,312,343       1,372,463     complete deposits   6,712,948     6,577,519     6,438,509     5,953,014     5,878,036     Federal cash purchased   -     -     -     -     -     Securities bought below agreements to repurchase   111,072     121,906     128,389     134,142     a hundred and fifty,746     FHLB and other borrowed cash   1,380,889     1,336,233     1,405,945     1,216,152     866,907     amassed hobby payable and different liabilities   fifty one,476     seventy three,185     fifty five,696     60,141     fifty six,166     Subordinated debentures     60,826       60,826       60,826       60,826       60,826     complete liabilities      8,317,211       eight,169,669       eight,089,365       7,424,275       7,012,681                   Stockholders' fairness              general stock   1,404     702     701     680     677     Capital surplus   863,560     862,827     867,981     782,500     780,731     Retained earnings   389,014     357,788     326,898     299,984     274,409     gathered other comprehensive income     10,937       6,465       4,177       8,114       5,884     total stockholders' fairness      1,264,915       1,227,782       1,199,757       1,091,278       1,061,701     complete liabilities and stockholders' fairness  $   9,582,126   $   9,397,451   $   9,289,122   $   eight,515,553   $   8,074,382                  

     

         home BancShares, Inc.     Consolidated Statements of income     (Unaudited)                           Quarter Ended     Six Months Ended       Jun. 30,   Mar. 31,   Dec. 31,   Sep. 30,   Jun. 30,     Jun. 30,   Jun. 30,    (In lots)     2016       2016       2015       2015       2015         2016       2015                                              hobby revenue                    Loans $ a hundred,415   $ ninety six,913   $ 97,772   $ 88,671   $ 82,360     $ 197,328   $ 157,847     investment securities                   Taxable   5,145     5,450     5,865     5,157     5,one hundred thirty       10,595     10,673     Tax-exempt   2,823     2,815     2,879     2,789     2,774       5,638     5,526     Deposits - other banks   106     102     66     32     forty four       208     one hundred thirty five     Federal funds sold     1       4       9       4       three         5       11                         complete hobby revenue     108,490       one zero five,284       106,591       ninety six,653       90,311         213,774       174,192                         interest price                    interest on deposits   3,854     3,634     three,357     three,045     3,311       7,488     6,569     Federal money bought   1     1     1     1     1       2     2     FHLB borrowed money   three,074     3,070     2,641     2,030     1,053       6,a hundred and forty four     2,103     Securities bought below agreements to repurchase   134     one hundred forty five     one hundred forty     146     163       279     335     Subordinated debentures     386       377       351       340       334         763       663                         total activity expense     7,449       7,227       6,490       5,562       4,862         14,676       9,672                         net interest profits    a hundred and one,041     98,057     100,101     ninety one,091     85,449       199,098     164,520     Provision for loan losses     5,692       5,677       eight,890       7,106       5,381         11,369       9,168     net activity salary after                    provision for mortgage losses    95,349     92,380     91,211     83,985     eighty,068       187,729     one hundred fifty five,352                         Non-pastime income                    service costs on deposit bills   6,151     5,929     6,528     6,250     6,056       12,080     eleven,474     other provider prices and charges   7,968     7,117     6,827     6,644     6,499       15,085     12,715     have confidence costs   359     404     365     398     1,186       763     1,618     mortgage lending revenue   3,481     2,863     2,404     3,132     2,955       6,344     4,887     insurance commissions   617     657     513     548     640       1,274     1,207     revenue from title capabilities   3     4     54     28     36       7     70     enhance in cash price of lifestyles coverage   353     395     328     268     295       748     603     Dividends from FHLB, FRB, Bankers' bank & different   719     620     431     433     419       1,339     834     benefit on acquisitions   -     -     -     -     -       -     1,635     gain on sale of SBA loans   seventy nine     -     390     151     -       79     -     gain (loss) on sale of branches, equipment and other assets, net   840     (53 )   23     (266 )   21       787     29     gain (loss) on OREO, net   (941 )   96     (507 )   (40 )   (263 )     (845 )   230     gain (loss) on securities, web   15     10     -     -     -       25     four     FDIC indemnification accretion/(amortization), net   (410 )   (362 )   (1,239 )   (1,994 )   (2,202 )     (772 )   (6,158 )   different salary   2,538     1,757     1,139     993     1,385       four,295     2,549                         complete non-interest income   21,772     19,437     17,256     16,545     17,027       forty one,209     31,697                         Non-activity expense                    Salaries and employee merits   25,437     23,958     23,841     22,225     22,056       49,395     forty one,446     Occupancy and equipment   6,509     6,671     6,seven hundred     6,540     6,678       13,180     12,727     facts processing expense   2,766     2,664     2,673     2,619     three,063       5,430     5,482     other operating expenses   12,875     12,355     15,785     13,209     11,453       25,230     24,308                         total non-activity fee   forty seven,587     forty five,648     forty eight,999     44,593     forty three,250       ninety three,235     83,963                         profits before profits taxes    69,534     66,169     fifty nine,468     fifty five,937     fifty three,845       135,703     103,086     income tax expense   26,025     24,742     22,035     20,196     19,939       50,767     38,061     web earnings  $ 43,509   $ forty one,427   $ 37,433   $ 35,741   $ 33,906     $ 84,936   $ 65,025                        

     

       home BancShares, Inc.   chosen monetary suggestions   (Unaudited)                       Quarter Ended     Six Months Ended  (bucks and shares in heaps,   Jun. 30,   Mar. 31,   Dec. 31,   Sep. 30,   Jun. 30,     Jun. 30,   Jun. 30,  except per share records)     2016       2016       2015       2015       2015         2016       2015                                        PER SHARE facts                                   Diluted income per usual share $ 0.31   $ 0.29   $ 0.27   $ 0.26   $ 0.25     $ 0.60   $ 0.forty eight   Diluted salary per typical share apart from merger expenses   0.31     0.29     0.28     0.26     0.25       0.60     0.49   Diluted income per common share with the exception of intangible amortization   0.31     0.30     0.27     0.27     0.25       0.61     0.forty nine   basic income per ordinary share   0.31     0.30     0.27     0.26     0.25       0.61     0.forty eight   Dividends per share - typical   0.0875     0.0750     0.0750     0.0750     0.0625       0.1625     0.1250   ebook price per average share   9.01     8.seventy five     8.55     8.02     7.83       9.01     7.eighty three   Tangible publication cost per normal share   6.18     5.ninety one     5.seventy one     5.fifty one     5.31       6.18     5.31                     stock suggestions                                   regular commonplace shares spectacular   one hundred forty,382     one hundred forty,390     one hundred forty,234     135,738     135,265       a hundred and forty,386     a hundred thirty five,222   common diluted shares extraordinary   a hundred and forty,608     one hundred forty,687     140,617     136,162     135,832       140,667     one hundred thirty five,825   end of length regular shares striking   one hundred forty,382     140,380     a hundred and forty,241     136,001     a hundred thirty five,549       a hundred and forty,382     one hundred thirty five,549                     ANNUALIZED efficiency METRICS                                   Return on commonplace property   1.eighty three %   1.79 %   1.62 %   1.72 %   1.72 %     1.eighty one %   1.70 % Return on usual property with the exception of intangible amortization   1.93 %   1.89 %   1.72 %   1.83 %   1.eighty three %     1.ninety one %   1.eighty one % Return on ordinary assets with the exception of intangible amortization, provision for loan losses, merger fees, discount purchase profit, profit on lifestyles assurance proceeds and profits taxes (Core ROA)   three.33 %   3.27 %   3.27 %   three.24 %   3.20 %     three.30 %   three.12 % Return on average common equity   14.11 %   13.77 %   12.fifty three %   13.23 %   12.ninety eight %     13.ninety four %   12.66 % Return on commonplace tangible average equity with the exception of intangible amortization   21.01 %   20.79 %   19.07 %   19.76 %   19.sixty eight %     20.ninety %   19.34 % efficiency ratio   37.fifty two %   37.50 %   forty.32 %   39.79 %   forty.39 %     37.fifty one %   40.88 % Core effectivity ratio   36.eighty four %   36.92 %   37.86 %   39.30 %   forty.30 %     36.88 %   forty.fifty five % internet hobby margin - FTE   4.83 %   4.81 %   4.95 %   5.03 %   5.00 %     four.eighty two %   four.97 % totally taxable equivalent adjustment $ 1,974   $ 1,973   $ 2,025   $ 1,951   $ 1,879     $ 3,947   $ three,734   complete profits   a hundred thirty,262     124,721     123,847     113,198     107,338       254,983     205,889                     salary aside from                 INTANGIBLE AMORTIZATION                                   GAAP internet revenue obtainable to typical shareholders $ forty three,509   $ forty one,427   $ 37,433   $ 35,741   $ 33,906     $ eighty four,936   $ 65,025   Intangible amortization after-tax     463       514       524       600       669         977       1,355   profits excluding intangible amortization $   forty three,972   $   forty one,941   $   37,957   $   36,341   $   34,575     $   eighty five,913   $   sixty six,380                     GAAP diluted earnings per share $ 0.31   $ 0.29   $ 0.27   $ 0.26   $ 0.25     $ 0.60   $ 0.48   Intangible amortization after-tax     -        0.01       -        0.01       -          0.01       0.01   Diluted profits per share apart from intangible amortization $   0.31   $   0.30   $   0.27   $   0.27   $   0.25     $   0.sixty one   $   0.49                     different operating costs                                   advertising $ 733   $ 823   $ 644   $ 906   $ 657     $ 1,556   $ 1,436   Merger and acquisition costs   -     -     2,909     474     -       -     1,417   Amortization of intangibles   763     845     862     988     1,one hundred       1,608     2,229   digital banking cost   1,237     1,456     1,283     1,352     1,299       2,693     2,531   directors' costs   289     275     262     233     281       564     576   Due from bank carrier charges   337     305     304     291     286       642     501   FDIC and state assessment   1,446     1,446     1,443     1,276     1,172       2,892     2,568   insurance   544     533     642     617     617       1,077     1,283   criminal and accounting   658     523     537     338     706       1,181     1,153   different professional expenses   1,044     925     1,231     947     560       1,969     1,048   operating elements   419     436     473     464     509       855     943   Postage   260     286     299     293     295       546     604   mobile   455     487     499     444     470       942     974   other expense     four,690       4,015       4,397       four,586       three,501         eight,705       7,045                     complete other operating prices $   12,875   $   12,355   $   15,785   $   13,209   $   11,453     $   25,230   $   24,308                    

     

       domestic BancShares, Inc.   selected financial counsel   (Unaudited)                 Jun. 30,   Mar. 31,   Dec. 31,   Sep. 30,   Jun. 30,  (dollars in lots)     2016       2016       2015       2015       2015                stability SHEET RATIOS                       complete loans to complete deposits   104.61 %   104.18 %   103.15 %   100.88 %   96.27 % common fairness to property   13.20 %   13.07 %   12.92 %   12.82 %   13.15 % Tangible commonplace fairness to tangible property   9.44 %   9.21 %   9.00 %   9.17 %   9.30 %             ALLOWANCE FOR personal loan LOSSES                        Non-coated            stability, starting of duration $ 69,780   $ sixty six,636   $ 60,581   $ fifty five,877   $ 52,731   Loans charged off   4,367     3,876     four,316     3,966     3,339   Recoveries of loans in the past charged off     709       1,343       1,188       535       1,184   internet loans (recovered)/charged off   three,658     2,533     3,128     three,431     2,155   Provision for personal loan losses   5,692     5,677     eight,890     7,106     5,301   Reclass of provision for personal loan losses brought on by FDIC loss share agreements   -     -     293     1,029     -   stability, end of period $ 71,814   $ sixty nine,780   $ sixty six,636   $ 60,581   $ fifty five,877               cut price for credit score losses on non-coated loans got   109,485     129,837     139,498     134,131     131,746   internet (recoveries) can charge-offs on loans now not lined by loss  share to regular non-coated loans   0.21 %   0.15 %   0.19 %   0.24 %   0.sixteen % Allowance for personal loan losses for non-lined loans to total non-covered loans   1.03 %   1.03 %   1.01 %   1.03 %   1.02 % Allowance for loan losses for non-covered loans plus discount for credit score losses on non-lined loans got to total non-lined loans plus cut price  for credit score losses on non-lined loans bought   2.56 %   2.88 %   3.07 %   3.23 %   3.33 %             coated           stability, beginning of duration $ 2,526   $ 2,588   $ 3,078   $ four,381   $ 3,795   Loans charged off   -     71     158     251     -   Recoveries of loans up to now charged off   1     9     (39 )   (318 )   186   internet loans charged off/(recovered)   (1 )   sixty two     197     569     (186 ) Provision for personal loan losses forecasted outside of loss share   -     -     -     295     -   Provision for loan losses earlier than improvement brought on by FDIC loss share agreements   -     -     -     -     four hundred   improvement as a result of FDIC loss share agreements   -     -     -     (295 )   (320 ) web provision for personal loan losses   -     -     -     -     80   Reclass of provision for personal loan losses because of FDIC loss share agreements   -     -     (293 )   (1,029 )   -   boost (reduce) in FDIC indemnification asset   -     -     -     295     320   steadiness, end of duration $ 2,527   $ 2,526   $ 2,588   $ three,078   $ 4,381               total allowance for personal loan losses $   seventy four,341   $   72,306   $   sixty nine,224   $   63,659   $   60,258               NON-PERFORMING property           no longer coated by using LOSS SHARE                       Non-performing non-coated loans           Non-accrual non-coated loans $ 36,660   $ 33,409   $ 36,374   $ 37,405   $ 29,033   Non-coated loans late ninety days or extra     19,302       22,008       23,845       11,390       10,847   total non-performing non-lined loans     fifty five,962       55,417       60,219       forty eight,795       39,880   different non-performing non-covered belongings           Non-covered foreclosed assets held on the market, web   17,573     19,657     18,526     18,204     16,539   different non-performing non-coated belongings     -        -        38       14       12   total different non-performing non-lined belongings     17,573       19,657       18,564       18,218       16,551   total non-performing non-covered property $   73,535   $   75,074   $   seventy eight,783   $   sixty seven,013   $   56,431               Allowance for loan losses for non-covered loans to  non-performing non-coated loans   128.33 %   125.92 %   one hundred ten.sixty six %   124.15 %   a hundred and forty.eleven % Non-performing non-covered loans to complete non-lined loans   0.80 %   0.eighty two %   0.92 %   0.eighty three %   0.seventy three % Non-performing non-lined assets to total non-coated property   0.77 %   0.eighty %   0.85 %   0.eighty %   0.71 %

     

     domestic BancShares, Inc.   mortgage information   (Unaudited)                 Jun. 30,   Mar. 31,   Dec. 31,   Sep. 30,   Jun. 30,  (greenbacks in lots)     2016       2016       2015       2015       2015                            LOANS no longer coated by means of LOSS SHARE                       actual estate           commercial true estate loans           Non-farm/non-residential $ 2,883,970   $ 2,889,735   $ 2,968,147   $ 2,655,882   $ 2,477,688   building/land construction   1,066,844     976,098     943,095     805,003     796,589   Agricultural   seventy eight,535     seventy five,763     75,027     seventy five,233     81,633   Residential precise estate loans           Residential 1-four household   1,207,756     1,145,080     1,a hundred thirty,714     1,055,504     997,952   Multifamily residential     394,980       437,721       429,872       392,483       321,593   complete true estate   5,632,085     5,524,397     5,546,855     4,984,one hundred and five     4,675,455   purchaser   48,933     50,090     52,258     forty six,677     forty eight,320   industrial and industrial   1,130,372     1,070,139     850,357     749,846     658,501   Agricultural   sixty nine,666     63,482     67,109     seventy eight,217     72,766   different     eighty three,660       84,062       62,822       forty one,330       forty three,986   Loans receivable not covered with the aid of loss share $   6,964,716   $   6,792,one hundred seventy   $   6,579,401   $   5,900,one hundred seventy five   $   5,499,028                                       LOANS lined through LOSS SHARE                       precise property           industrial true property loans           Non-farm/non-residential $ 192   $ 192   $ 188   $ 25,903   $ 54,777   building/land development   1,seven hundred     1,702     1,692     7,836     24,003   Agricultural   -     -     -     735     848   Residential real property loans           Residential 1-4 family unit   fifty four,660     57,243     fifty nine,565     sixty six,447     72,002   Multifamily residential     372       379       384       1,200       1,394   total actual estate   56,924     59,516     sixty one,829     102,121     153,024   customer   -     -     -     10     17   commercial and industrial   404     414     230     2,682     6,118   Agricultural   -     -     -     -     -   different     112       112       111       601       732   Loans receivable lined by using loss share $   57,440   $   60,042   $   62,170   $   one zero five,414   $   159,891              

     

     domestic BancShares, Inc.   Consolidated internet pastime Margin   (Unaudited)                     Three Months Ended     June 30, 2016     March 31, 2016     usual   salary/   Yield/     average   income/   Yield/   (bucks in hundreds)   stability   expense   rate     steadiness   expense   fee                                  assets               earning assets               interest-bearing balances due from banks $ 112,537   $ 106     0.38 %   $ 113,831   $ 102     0.36 % Federal money sold   1,509     1     0.27 %     3,049     4     0.53 % investment securities - taxable   1,a hundred and seventy,091     5,145     1.seventy seven %     1,177,595     5,450     1.86 % funding securities - non-taxable - FTE   332,091     4,611     5.fifty eight %     338,988     four,598     5.forty six % Loans receivable - FTE     6,969,727       one hundred,601     5.eighty one %       6,729,060       ninety seven,103     5.80 % complete pastime-incomes belongings   8,585,955       110,464     5.17 %     eight,362,523       107,257     5.sixteen % Non-earning belongings     976,669             968,099       total belongings $   9,562,624         $   9,330,622                       LIABILITIES AND SHAREHOLDERS' fairness               Liabilities               interest-bearing liabilities               mark downs and activity-bearing transaction accounts $ 3,677,650   $ 2,141     0.23 %   $ 3,593,914   $ 2,018     0.23 % Time deposits     1,393,023       1,713     0.49 %       1,393,591       1,616     0.47 % total hobby-bearing deposits   5,070,673     3,854     0.31 %     4,987,505     three,634     0.29 % Federal money bought   330     1     1.22 %     610     1     0.66 % Securities sold below agreement to repurchase   one hundred fifteen,849     134     0.47 %     128,897     a hundred forty five     0.forty five % FHLB borrowed cash   1,402,465     three,074     0.88 %     1,368,457     3,070     0.ninety % Subordinated debentures     60,826       386     2.fifty five %       60,826       377     2.49 % complete activity-bearing liabilities   6,650,143       7,449     0.45 %     6,546,295       7,227     0.44 % Non-activity bearing liabilities               Non-interest bearing deposits   1,611,282           1,514,169       other liabilities     sixty one,119             fifty nine,891       complete liabilities   8,322,544           eight,one hundred twenty,355       Shareholders' equity     1,240,080             1,210,267       total liabilities and shareholders' fairness $   9,562,624         $   9,330,622       web activity unfold       four.72 %         four.72 % web interest salary and margin - FTE   $   103,015     four.eighty three %     $   one hundred,030     four.81 %

     

     domestic BancShares, Inc.   Consolidated internet activity Margin   (Unaudited)                     Six Months Ended     June 30, 2016     June 30, 2015     regular   revenue/   Yield/     ordinary   earnings/   Yield/   (bucks in hundreds)   balance   fee   fee     balance   rate   cost                                  assets               earning property               hobby-bearing balances due from banks $ 110,842   $ 208     0.38 %   $ 117,883   $ one hundred thirty five     0.23 % Federal cash sold   2,279     5     0.forty four %     9,792     11     0.23 % investment securities - taxable   1,173,843     10,595     1.eighty two %     1,081,864     10,673     1.ninety nine % funding securities - non-taxable - FTE   335,539     9,209     5.fifty two %     327,534     9,047     5.fifty seven % Loans receivable - FTE     6,849,394       197,704     5.80 %       5,289,205       158,060     6.03 % total pastime-incomes property   eight,471,897       217,721     5.17 %     6,826,278       177,926     5.26 % Non-earning assets     974,726             895,978       total property $   9,446,623         $   7,722,256                       LIABILITIES AND SHAREHOLDERS' equity               Liabilities               interest-bearing liabilities               reductions and interest-bearing transaction accounts $ 3,635,782   $ 4,159     0.23 %   $ 3,095,483   $ three,050     0.20 % Time deposits     1,393,307       three,329     0.48 %       1,377,623       three,519     0.52 % total hobby-bearing deposits   5,029,089     7,488     0.30 %     4,473,106     6,569     0.30 % Federal dollars purchased   470     2     0.86 %     666     2     0.61 % Securities bought below settlement to repurchase   122,373     279     0.46 %     173,906     335     0.39 % FHLB borrowed funds   1,385,461     6,144     0.89 %     658,284     2,103     0.sixty four % Subordinated debentures     60,826       763     2.fifty two %       60,826       663     2.20 % total pastime-bearing liabilities   6,598,219       14,676     0.45 %     5,366,788       9,672     0.36 % Non-hobby bearing liabilities               Non-pastime bearing deposits   1,562,725           1,286,275       different liabilities     60,505             33,502       complete liabilities   eight,221,449           6,686,565       Shareholders' equity     1,225,174             1,035,691       complete liabilities and shareholders' fairness $   9,446,623         $   7,722,256       web hobby spread       four.seventy two %         4.ninety % internet interest income and margin - FTE   $   203,045     4.eighty two %     $   168,254     4.ninety seven %                 FOR more information CONTACT: Jennifer C. Floyd Chief Accounting Officer & Investor family members Officer home BancShares, Inc. (501) 339-2929

    domestic BancShares, Inc. proclaims 22.2% raise in 2015 profits | killexams.com real questions with brain dumps

    January 21, 2016 07:30 ET | source: home BancShares, Inc.

    CONWAY, Ark., Jan. 21, 2016 (GLOBE NEWSWIRE) -- home BancShares, Inc. (NASDAQ:HOMB), guardian company of Centennial financial institution, nowadays introduced web profits for the year ended December 31, 2015 of $138.2 million in comparison to $113.1 million for the 12 months ended 2014 for a 22.2% enhance.  Diluted salary per share for the 12 months ended 2015 became $2.02 per share compared to $1.70 per share for 2014. apart from the $four.8 million of 2015 merger charges linked to the 2015 acquisitions, diluted profits per share for the yr ended 2015 turned into $2.06 per share. 

    For the fourth quarter of 2015, the enterprise recorded a 25.1% boost in quarterly income to $37.4 million, for the fourth quarter of 2015 compared to $29.9 million, for a similar quarter in 2014.  except the $2.9 million of merger prices associated with the acquisition of Florida company BancGroup, Inc. (“FBBI”), diluted income per share for the fourth quarter of 2015 become $0.fifty six per share.  The enterprise also announced $232.3 million in quarterly organic mortgage increase throughout the fourth quarter of 2015 and a core efficiency ratio of 37.86%.

    “i am pleased to record the business’s spectacular quarterly and annual income and financial metrics,” spoke of John Allison, Chairman. “This past year, our crew changed into diligent and prompted to reach and, in some situations, exceed our monetary desires.  We more advantageous the effectivity ratio to less than 39.99%, finished three acquisition alternatives, and grew biological loans by using $881.6 million.  We intend to keep up this momentum in 2016 by continuing to improve the business's salary and financial metrics.”

    “we are completely happy to report the fourth quarter of 2015 as the nineteenth consecutive quarter reporting probably the most profitable quarter in the enterprise's background,” stated Randy Sims, domestic BancShares, Inc. Chief executive Officer. “For the quarter, the business reported impressive results for diluted income per share except merger prices of $0.fifty six per share and a core effectivity ratio of 37.86%.”

    “all the way through the fourth quarter, we closed the acquisition and achieved the systems conversion of FBBI and are now competent to accelerate the method of enhancing the company’s consequences to maximize shareholder return,” introduced Tracy French, Centennial bank President and Chief govt Officer.  “as a result of our potent capital place, we're neatly-located all through the arriving yr to proceed in search of alternatives to enter new markets or expand our reach in our present footprints while aiding additional mortgage growth in our legacy company.”

    operating Highlights

    each quarter we function credit impairment assessments on the loans obtained in our FDIC loss sharing and non-loss sharing acquisitions.  all the way through our fourth quarter 2015 impairment checking out, no pools have been decided to have a cloth projected credit score development.  youngsters, during the fourth quarter of 2015 certainly one of our debtors from the freedom transaction paid off a $26.1 million credit score relationship, which resulted in about $650,000 of accretion revenue to be identified within the fourth quarter.   because of this, there turned into a $116,000 raise in identified accretion yield to $13.2 million all over the fourth quarter of 2015 when compared to $13.1 million right through the third quarter of 2015.

    internet pastime profits for the fourth quarter of 2015 extended 20.1% to $one hundred.1 million from $eighty three.four million all over the fourth quarter of 2014.  For the fourth quarter of 2015, the positive yield on non-covered loans and coated loans changed into 5.sixty three% and 29.75%, respectively.  net pastime margin, on a fully taxable equivalent basis, turned into 4.95% for the quarter simply ended.

    during the fourth quarter of 2015, the business recorded a provision for mortgage loss of $eight.9 million in comparison to $5.4 million within the fourth quarter of 2014.  This anticipated enhance of $3.5 million is basically a mirrored image of the organic personal loan increase generated right through 2015.

    The enterprise said $17.3 million of non-pastime salary for the fourth quarter of 2015, in comparison to $10.2 million for the fourth quarter of 2014.  the most crucial accessories of the fourth quarter non-pastime earnings have been $6.eight million from other carrier costs and costs, $6.5 million from provider charges on deposits money owed, $2.4 million from loan lending earnings, $1.1 million from other earnings, and $513,000 from assurance commissions offset with the aid of the $1.2 million of web amortization on the FDIC indemnification asset.

    on account of the recognized credit advancements in prior years, the company has been decreasing the base of the indemnification asset to be recognized as FDIC amortization over the weighted typical lifetime of the loss-share agreements.  The recognition of this amortization has begun to slow down as the 5-12 months loss-share has expired and best the ten-12 months loss-share remains.  due to this fact, there became a $6.2 million decline of FDIC indemnification amortization from the fourth quarter of 2014 to the fourth quarter of 2015.

    Non-hobby cost apart from merger costs for the fourth quarter of 2015 become $forty six.1 million in comparison to $39.four million for the fourth quarter of 2014.  This boost is essentially linked to the establishment of the Centennial industrial Finance neighborhood (“Centennial CFG”) in long island metropolis all the way through the second quarter of 2015 plus the acquisition of FBBI all the way through the fourth quarter of 2015.  For the fourth quarter of 2015, our core effectivity ratio turned into 37.86% which is better from the forty.15% mentioned for fourth quarter of 2014.

    fiscal condition

    total non-covered loans had been $6.58 billion at December 31, 2015 compared to $4.eighty two billion at December 31, 2014.  complete lined loans had been $sixty two.2 million at December 31, 2015 compared to $240.2 million at December 31, 2014.  total deposits were $6.forty four billion at December 31, 2015 compared to $5.42 billion at December 31, 2014.  total property were $9.29 billion at December 31, 2015 compared to $7.forty billion at December 31, 2014.

    given that the third quarter of 2015, non-coated loans extended $679.2 million.  all the way through the fourth quarter of 2015, the 5-12 months loss-share agreements on the industrial actual property and industrial and industrial loans acquired through the FDIC-assisted acquisitions of Wakulla and Gulf State concluded, which concludes all 5-yr loss-share agreements. as a result, $38.6 million of those loans together with their associated coupon codes up to now categorised as coated loans have migrated to non-coated loans reputation.  together with the effect of purchase accounting alterations, we received about $408.3 million in loans through the acquisition of FBBI.  as a result, the enterprise produced about $232.3 million of organic non-covered personal loan boom since September 30, 2015, of which $forty three.2 million is linked to personal loan originations in the legacy footprint with the closing $189.1 million being associated with Centennial CFG.

    Non-performing non-lined loans had been $60.2 million as of December 31, 2015, of which $28.three million, $31.8 million and $132,000 have been located in Arkansas, Florida and Alabama, respectively.  Non-performing non-lined loans as a p.c of total non-covered loans had been 0.92% as of December 31, 2015 in comparison to 0.eighty two% as of December 31, 2014. Non-performing non-coated belongings had been $seventy eight.eight million as of December 31, 2015, of which $forty.three million, $37.5 million and $892,000 had been discovered in Arkansas, Florida and Alabama, respectively.  Non-performing non-lined property as a % of total non-lined belongings had been 0.eighty five% as of December 31, 2015 in comparison to 0.seventy nine% as of December 31, 2014.

    The enterprise’s allowance for loan losses for non-coated loans become $66.6 million at December 31, 2015, or 1.01% of complete non-coated loans, compared to $52.5 million, or 1.09% of total non-coated loans, at December 31, 2014.  As of December 31, 2015 and 2014, the allowance for loan losses for non-covered loans plus cut price for credit score losses on non-coated loans acquired to total non-lined loans plus discount for credit losses on non-coated loans acquired turned into 3.07% and 3.88%, respectively.  This decrease is primarily the outcome of the increase in non-covered loans during 2015 plus projected credit growth from outdated durations on the got impaired loans.  As of December 31, 2015 and 2014, the company’s allowance for personal loan losses for non-lined loans became 111% and 133% of its total non-performing non-lined loans, respectively.

    Stockholders’ fairness changed into $1.20 billion at December 31, 2015 in comparison to $1.02 billion at December 31, 2014, an increase of $184.5 million.  booklet price per common share became $17.eleven at December 31, 2015 compared to $15.03 at December 31, 2014.  Tangible publication cost per standard share became $11.forty one at December 31, 2015 compared to $9.ninety at December 31, 2014 for an annualized raise of 15.3%.

    Branches

    during the fourth quarter of 2015, the company received six branches during the acquisition of FBBI and has plans to open a deposit-handiest department region in new york city all through the first quarter of 2016.  in order to achieve efficiencies essentially from the acquisitions, the enterprise closed one Arkansas vicinity and three Florida areas throughout the fourth quarter of 2015 and has plans to close two Arkansas areas and two Florida areas all the way through the primary quarter of 2016.  The enterprise presently has seventy nine branches in Arkansas, sixty one branches in Florida, 6 branches in Alabama and a mortgage production workplace in new york metropolis.

    convention name

    management will conduct a conference call to assessment this counsel at 1:00 p.m. CT (2:00 ET) on Thursday, January 21, 2016.  We encourage all participants to pre-register for the conference name the use of here link:  http://dpregister.com/10077754.  Callers who pre-register might be given dial-in guidelines and a distinct PIN to benefit instant access to the reside call.  participants might also pre-register at any time ahead of the call and will instantly receive primary instructions via email.  The home BancShares convention name will even be instantly scheduled as an event to your Outlook calendar.

    those with out internet access or unable to pre-register might also dial in and hearken to the live call with the aid of calling 1-877-508-9586 and asking for the home BancShares convention name.  A replay of the name will be purchasable by calling 1-877-344-7529, Passcode: 10077754, which can be attainable until January 28, 2016 at 10:59 p.m. CT (eleven:59 ET). web entry to the name could be obtainable reside or in recorded version on the enterprise's web site at www.homebancshares.com under “Investor members of the family” for 365 days.

    accepted

    This unencumber contains forward-searching statements regarding the company's plans, expectations, dreams and outlook for the future. Statements in this press unlock that aren't historical facts should be regarded ahead-looking statements within the that means of the inner most Securities Litigation Reform Act of 1995. ahead-looking statements of this category communicate best as of the date of this news liberate. by way of nature, ahead-searching statements contain inherent possibility and uncertainties. a considerable number of elements, together with, but no longer confined to, economic circumstances, credit score great, activity costs, mortgage demand, the skill to successfully integrate new acquisitions and adjustments within the assumptions used in making the forward-searching statements, might trigger genuine outcomes to differ materially from those pondered through the forward-searching statements. more information on factors that may affect domestic BancShares, Inc.'s economic outcomes is included in its Annual file on kind 10-okay for the year ended December 31, 2014 filed with the Securities and alternate commission (the “SEC”) on February 27, 2015, and in its Quarterly file on kind 10-Q for the quarter ended September 30, 2015 filed with the SEC on November 5, 2015.

    domestic BancShares, Inc. is a bank holding company, headquartered in Conway, Arkansas. Our fully-owned subsidiary, Centennial bank, provides a large latitude of business and retail banking plus related fiscal capabilities to businesses, actual property builders, traders, individuals and municipalities. Centennial financial institution has branch places in Arkansas, Florida, South Alabama and a personal loan creation workplace in ny city. The enterprise's commonplace stock is traded throughout the NASDAQ global choose Market below the symbol “HOMB.”

     

     home BancShares, Inc.   Consolidated end of period stability Sheets   (Unaudited)                                 Dec. 31,      Sep. 30,      Jun. 30,     Mar. 31,     Dec. 31,   (In hundreds)     2015       2015       2015       2015       2014                                                belongings                       cash and due from banks $   111,258   $   a hundred and twenty,262   $   116,682   $   115,448   $   one hundred and five,438   pastime-bearing deposits with different banks     one hundred forty four,565       108,394       87,729       82,123       7,090   money and money equivalents     255,823       228,656       204,411       197,571       112,528   Federal cash sold     1,550       -       -       6,a hundred       250   funding securities - obtainable-for-sale     1,206,580       1,141,405       1,080,000       1,069,745       1,067,287   investment securities - held-to-maturity     309,042       324,949       336,993       344,518       356,790   Loans receivable now not lined by loss share     6,579,401       5,900,one hundred seventy five       5,499,028       four,929,989       4,817,314   Loans receivable lined through FDIC loss share     sixty two,one hundred seventy       one zero five,414       159,891       169,460       240,188   Allowance for personal loan losses     (69,224 )     (63,659 )     (60,258 )     (fifty six,526 )     (fifty five,011 ) Loans receivable, internet     6,572,347       5,941,930       5,598,661       5,042,923       5,002,491   financial institution premises and gadget, web     212,163       205,505       209,425       209,326       206,912   Foreclosed property held on the market no longer coated by way of loss share     18,526       18,204       16,539       17,402       sixteen,951   Foreclosed property held for sale coated by FDIC loss share     614       2,612       4,472       6,309       7,871   FDIC indemnification asset     9,284       eleven,290       15,874       19,435       28,409   money cost of life coverage     85,146       75,281       seventy five,015       seventy four,722       74,444   accumulated activity receivable     29,132       26,977       24,447       23,542       24,075   Deferred tax asset, internet     71,565       sixty three,075       sixty two,088       fifty nine,594       65,227   Goodwill     377,983       322,728       322,728       322,728       325,423   Core deposit and different intangibles     21,443       18,828       19,816       20,916       20,925   different assets     117,924       134,113       103,913       99,143       93,689   complete assets $   9,289,122   $   8,515,553   $   eight,074,382   $   7,513,974   $   7,403,272                                               LIABILITIES AND STOCKHOLDERS' equity                       Liabilities           Deposits:           Demand and non-pastime-bearing $   1,456,624   $   1,409,949   $   1,406,051   $   1,328,689   $   1,203,306   discount rates and hobby-bearing transaction bills     3,551,684       3,230,722       three,099,522       3,a hundred and twenty,803       2,974,850   Time deposits     1,430,201       1,312,343       1,372,463       1,452,733       1,245,815   total deposits     6,438,509       5,953,014       5,878,036       5,902,225       5,423,971   Federal cash bought     -       -       -       -       -   Securities offered beneath agreements to repurchase     128,389       134,142       150,746       178,615       176,465   FHLB borrowed money     1,405,945       1,216,152       866,907       277,477       697,957   gathered pastime payable and different liabilities     55,696       60,141       56,166       fifty five,268       28,761   Subordinated debentures     60,826       60,826       60,826       60,826       60,826   complete liabilities     eight,089,365       7,424,275       7,012,681       6,474,411       6,387,980                                               Stockholders' equity           ordinary stock     701       680       677       676       676   Capital surplus     867,981       782,500       780,731       779,856       781,328   Retained income     326,898       299,984       274,409       248,951       226,279   gathered different complete revenue     4,177       8,114       5,884       10,080       7,009   complete stockholders' equity      1,199,757       1,091,278       1,061,701       1,039,563       1,015,292   total liabilities and stockholders' fairness  $   9,289,122   $   eight,515,553   $   8,074,382   $   7,513,974   $   7,403,272                                                home BancShares, Inc.     Consolidated Statements of income     (Unaudited)                           Quarter Ended     year Ended                              Dec. 31,     Sep. 30,     Jun. 30,       Mar. 31,       Dec. 31,         Dec. 31,       Dec. 31,       (In lots)     2015       2015       2015       2015       2014         2015       2014                                                                                              pastime salary                    Loans $   97,772   $   88,671   $   eighty two,360   $   75,487   $   80,011     $   344,290   $   306,345     investment securities                   Taxable     5,865       5,157       5,130       5,543       5,168         21,695       19,305     Tax-exempt     2,879       2,789       2,774       2,752       2,843         11,194       10,091     Deposits - other banks     sixty six       32       forty four       ninety one       24         233       97     Federal dollars sold     9       four       three       eight       15         24       50                                                                         total hobby salary     106,591       ninety six,653       90,311       83,881       88,061         377,436       335,888                                                                         pastime expense                    interest on deposits     three,357       three,045       three,311       3,258       3,074         12,971       12,796     Federal cash bought     1       1       1       1       1         4       3     FHLB borrowed cash     2,641       2,030       1,053       1,050       1,108         6,774       4,041     Securities offered under agreements to repurchase     140       146       163       172       181         621       717     Subordinated debentures     351       340       334       329       327         1,354       1,313                                                                         total activity rate     6,490       5,562       four,862       4,810       4,691         21,724       18,870                                                                         net activity profits      a hundred,one zero one       ninety one,091       85,449       79,071       eighty three,370         355,712       317,018     Provision for personal loan losses     eight,890       7,106       5,381       3,787       5,370         25,164       22,664                                                     net pastime revenue after                    provision for personal loan losses     91,211       83,985       80,068       75,284       78,000         330,548       294,354                                                                         Non-interest earnings                    provider fees on deposit debts     6,528       6,250       6,056       5,418       6,143         24,252       24,522     other carrier fees and fees     6,827       6,644       6,499       6,216       6,273         26,186       23,914     have faith prices     365       398       1,186       432       313         2,381       1,378     loan lending profits     2,404       three,132       2,955       1,932       2,341         10,423       7,556     assurance commissions     513       548       640       567       977         2,268       four,311     earnings from title capabilities     54       28       36       34       60         152       222     increase in money price of lifestyles coverage     328       268       295       308       319         1,199       1,210     Dividends from FHLB, FRB, Bankers' financial institution & different     431       433       419       415       405         1,698       1,611     benefit on acquisitions   -     -     -       1,635     -         1,635     -     gain on sale of SBA loans     390       151     -     -     -         541       183     gain (loss) on sale of premises & device, internet     23       (266 )     21       8       (97 )       (214 )     322     gain (loss) on OREO, internet     (507 )     (forty )     (263 )     493       264         (317 )     2,191     benefit (loss) on securities, internet     -       -       -       four     -         4     -     FDIC indemnification accretion/(amortization), web     (1,239 )     (1,994 )     (2,202 )     (3,956 )     (7,439 )       (9,391 )     (25,752 )   different profits     1,139       993       1,385       1,164       652         4,681       3,094                                                                         total non-interest salary     17,256       sixteen,545       17,027       14,670       10,211         sixty five,498       forty four,762                                                                         Non-hobby expense                    Salaries and employee merits     23,841       22,225       22,056       19,390       19,911         87,512       seventy seven,025     Occupancy and gadget     6,700       6,540       6,678       6,049       6,320         25,967       25,031     facts processing price     2,673       2,619       three,063       2,419       1,842         10,774       7,229     other operating charges     15,785       13,209       11,453       12,855       13,076         fifty three,302       52,658                                                                         total non-interest cost     48,999       44,593       forty three,250       40,713       41,149         177,555       161,943                                                                         income before income taxes      fifty nine,468       55,937       fifty three,845       forty nine,241       47,062         218,491       177,173     income tax price     22,035       20,196       19,939       18,122       17,136         eighty,292       64,a hundred and ten     net revenue  $   37,433   $   35,741   $   33,906   $   31,119   $   29,926     $   138,199   $   113,063                                                                          home BancShares, Inc.     chosen economic guidance     (Unaudited)                           Quarter Ended     yr Ended                           (bucks and shares in lots,      Dec. 31,     Sep. 30,     Jun. 30,     Mar. 31,     Dec. 31,       Dec. 31,      Dec. 31,      apart from per share statistics)    2015       2015       2015       2015       2014         2015       2014                                                                                              PER SHARE data                                       Diluted income per general share $   0.fifty four   $   0.fifty two   $   0.50   $   0.46   $   0.44     $   2.02   $   1.70     Diluted revenue per commonplace share excluding  merger charges     0.fifty six       0.fifty three       0.50       0.forty seven       0.forty six         2.06       1.seventy six     Diluted salary per average share excluding  intangible amortization     0.54       0.fifty three       0.51       0.forty seven       0.forty six         2.05       1.seventy five     primary income per typical share     0.fifty three       0.fifty three       0.50       0.46       0.forty four         2.02       1.seventy one     Dividends per share - average     0.150       0.one hundred fifty       0.a hundred twenty five       0.one hundred twenty five       0.one hundred         0.550       0.350     book cost per ordinary share     17.11       sixteen.05       15.67       15.38       15.03         17.eleven       15.03     Tangible e-book cost per commonplace share     11.forty one       eleven.03       10.61       10.30       9.90         eleven.forty one       9.ninety                         stock information                                       ordinary ordinary shares unbelievable     70,117       sixty seven,869       sixty seven,632       sixty seven,589       sixty seven,291         sixty eight,308       sixty five,951     usual diluted shares marvelous     70,308       68,081       sixty seven,915       sixty seven,923       sixty seven,653         sixty eight,565       66,331     end of duration regular shares remarkable     70,121       sixty eight,000       sixty seven,774       sixty seven,577       sixty seven,571         70,121       67,571                         ANNUALIZED efficiency METRICS                                       Return on general assets   1.sixty two %   1.72 %   1.seventy two %   1.sixty seven %   1.sixty two %     1.sixty eight %   1.63 %   Return on average property aside from  intangible amortization   1.72 %   1.eighty three %   1.eighty three %   1.79 %   1.seventy four %     1.79 %   1.seventy five %   Return on standard property except for intangible  amortization, provision for loan losses, merger  costs, cut price purchase gain, benefit on lifestyles  coverage proceeds and revenue taxes (Core ROA)   3.27 %   three.24 %   three.20 %   3.04 %   three.13 %     three.20 %   3.19 %   Return on ordinary typical fairness   12.fifty three %   13.23 %   12.ninety eight %   12.33 %   eleven.ninety six %     12.77 %   12.34 %   Return on typical tangible commonplace equity  excluding intangible amortization   19.07 %   19.seventy six %   19.68 %   18.ninety nine %   18.seventy two %     19.37 %   19.80 %   effectivity ratio   40.32 %   39.79 %   forty.39 %   forty one.41 %   forty one.87 %     forty.44 %   forty two.67 %   Core efficiency ratio   37.86 %   39.30 %   forty.30 %   40.eighty four %   40.15 %     39.forty eight %   forty one.23 %   web interest margin - FTE   four.ninety five %   5.03 %   5.00 %   4.ninety four %   5.26 %     four.ninety eight %   5.37 %   totally taxable equal adjustment $   2,025   $   1,951   $   1,879   $   1,855   $   1,911     $   7,710   $   6,854     complete revenue     123,847       113,198       107,338       ninety eight,551       ninety eight,272         442,934       380,650                         revenue aside from                   INTANGIBLE AMORTIZATION                                       GAAP web salary accessible to  standard shareholders $   37,433   $   35,741   $   33,906   $   31,119   $   29,926     $   138,199   $   113,063     Intangible amortization after-tax     524       600       669       686       707         2,479       2,814     profits except intangible amortization $   37,957   $   36,341   $   34,575   $   31,805   $   30,633     $   140,678   $   115,877                                                                         GAAP diluted profits per share $   0.54   $   0.fifty two   $   0.50   $   0.46   $   0.44     $   2.02   $   1.70     Intangible amortization after-tax   -       0.01       0.01       0.01       0.02         0.03       0.05     Diluted earnings per share aside from  intangible amortization $   0.54   $   0.53   $   0.fifty one   $   0.forty seven   $   0.46     $   2.05   $   1.75                                                                         other working prices                                       advertising $   644   $   906   $   657   $   779   $   792     $   2,986   $   2,568     Merger and acquisition costs     2,909       474     -       1,417       1,711         four,800       6,438     Amortization of intangibles     862       988       1,a hundred       1,129       1,163         four,079       4,630     digital banking expense     1,283       1,352       1,299       1,232       1,351         5,166       5,308     administrators' prices     262       233       281       295       243         1,071       912     Due from financial institution service expenses     304       291       286       215       199         1,096       803     FDIC and state assessment     1,443       1,276       1,172       1,396       1,a hundred and forty four         5,287       four,288     coverage     642       617       617       666       685         2,542       2,538     legal and accounting     537       338       706       447       666         2,028       2,012     other expert expenses     1,231       947       560       488       394         3,226       2,200     operating elements     473       464       509       434       473         1,880       1,928     Postage     299       293       295       309       329         1,196       1,331     mobilephone     499       444       470       504       503         1,917       1,968     other expense     four,397       4,586       3,501       three,544       3,423         16,028       15,734                                                                         complete other operating prices $   15,785   $   13,209   $   eleven,453   $   12,855   $   13,076     $   fifty three,302   $   fifty two,658                                                                          home BancShares, Inc.   selected fiscal assistance   (Unaudited)                               Dec. 31,     Sep. 30,       Jun. 30,      Mar. 31,     Dec. 31,     (greenbacks in lots)     2015       2015       2015       2015       2014                                                steadiness SHEET RATIOS                       total loans to total deposits   103.15 %   one hundred.88 %   96.27 %   86.forty %   ninety three.24 % usual fairness to property   12.9 %   12.eight %   13.1 %   13.eight %   13.7 % Tangible normal equity to tangible assets   9.0 %   9.2 %   9.3 %   9.7 %   9.5 %             ALLOWANCE FOR loan LOSSES                        Non-covered            stability, starting of length $   60,581   $   55,877   $   52,731   $   fifty two,471   $   50,695   Loans charged off     4,316       3,966       3,339       three,one hundred fifty       3,811   Recoveries of loans previously charged off     1,188       535       1,184       541       1,121   web loans (recovered)/charged off     3,128       three,431       2,one hundred fifty five       2,609       2,690   Provision for personal loan losses     eight,890       7,106       5,301       2,869       4,466   Reclass of provision for mortgage losses as a result of  FDIC loss share agreements     293       1,029     -     -     -   balance, end of period $   66,636   $   60,581   $   55,877   $   52,731   $   fifty two,471                                               cut price for credit score losses on non-lined loans obtained     139,498       134,131       131,746       134,699       139,720   web (recoveries) charge-offs on loans now not coated via loss  share to common non-coated loans   0.19 %   0.24 %   0.sixteen %   0.22 %   0.23 % Allowance for loan losses for non-covered loans  to complete non-coated loans   1.01 %   1.03 %   1.02 %   1.07 %   1.09 % Allowance for mortgage losses for non-lined loans plus  bargain for credit score losses on non-lined loans  obtained to total non-lined loans plus discount  for credit score losses on non-coated loans bought   3.07 %   three.23 %   3.33 %   three.70 %   3.88 %             lined           stability, beginning of period $   3,078   $   four,381   $   three,795   $   2,540   $   2,149   Loans charged off     158       251     -       772       858   Recoveries of loans previously charged off     (39 )     (318 )     186       265       345   web loans charged off/(recovered)     197       569       (186 )     507       513   Provision for personal loan losses forecasted outdoor of loss share   -       295     -       (295 )     904   Provision for loan losses earlier than improvement  attributable to FDIC loss share agreements   -     -       400       2,057     -   benefit caused by FDIC loss share agreements   -       (295 )     (320 )     (844 )   -   internet provision for mortgage losses   -     -       eighty       918       904   Reclass of provision for loan losses brought on by  FDIC loss share agreements     (293 )     (1,029 )   -     -     -   boost (lessen) in FDIC indemnification asset   -       295       320       844     -   balance, conclusion of length $   2,588   $   three,078   $   four,381   $   3,795   $   2,540                                               complete allowance for personal loan losses $   sixty nine,224   $   63,659   $   60,258   $   fifty six,526   $   fifty five,011                                               NON-PERFORMING assets           not covered by using LOSS SHARE                       Non-performing non-covered loans           Non-accrual non-lined loans $   36,374   $   37,405   $   29,033   $   25,354   $   24,691   Non-covered loans late 90 days or greater     23,845       11,390       10,847       12,one hundred sixty       14,871   complete non-performing non-covered loans     60,219       forty eight,795       39,880       37,514       39,562   other non-performing non-covered belongings                               Non-lined foreclosed assets held on the market, web     18,526       18,204       sixteen,539       17,402       16,951   other non-performing non-coated belongings     38       14       12     -     -   complete other non-performing non-covered belongings     18,564       18,218       16,551       17,402       16,951   complete non-performing non-covered belongings $   seventy eight,783   $   67,013   $   56,431   $   fifty four,916   $   fifty six,513                                               Allowance for personal loan losses for non-coated loans to  non-performing non-covered loans   one hundred ten.sixty six %   124.15 %   one hundred forty.eleven %   140.fifty six %   132.63 % Non-performing non-lined loans to total  non-covered loans   0.92 %   0.eighty three %   0.73 %   0.76 %   0.eighty two % Non-performing non-covered property to complete  non-coated property   0.eighty five %   0.eighty %   0.71 %   0.75 %   0.seventy nine %  domestic BancShares, Inc.     loan counsel     (Unaudited)                                     Dec. 31,       Sep. 30,       Jun. 30,       Mar. 31,       Dec. 31,       (bucks in thousands)     2015       2015       2015       2015       2014                                                                    LOANS now not coated by LOSS SHARE                           real property             business precise estate loans             Non-farm/non-residential $   2,968,147   $   2,655,882   $   2,477,688   $   2,042,781   $   1,987,890     development/land development     943,095       805,003       796,589       733,564       seven hundred,139     Agricultural     seventy five,027       75,233       eighty one,633       82,985       72,211     Residential actual property loans             Residential 1-four family     1,130,714       1,055,504       997,952       976,719       963,990     Multifamily residential     429,872       392,483       321,593       274,515       250,222     complete true property     5,546,855       4,984,105       four,675,455       four,110,564       three,974,452     client     52,258       forty six,677       forty eight,320       51,852       fifty six,720     business and industrial     850,357       749,846       658,501       641,411       670,124     Agricultural     67,109       seventy eight,217       72,766       fifty eight,317       forty eight,833     different     sixty two,822       forty one,330       43,986       67,845       sixty seven,185     Loans receivable no longer covered with the aid of loss share $   6,579,401   $   5,900,a hundred seventy five   $   5,499,028   $   4,929,989   $   4,817,314                                                                                 LOANS lined with the aid of LOSS SHARE                           actual estate             industrial precise estate loans             Non-farm/non-residential $   188   $   25,903   $   fifty four,777   $   fifty eight,251   $   ninety three,979     construction/land building     1,692       7,836       24,003       25,495       39,946     Agricultural   -       735       848       875       943     Residential true property loans             Residential 1-4 family     59,565       sixty six,447       72,002       seventy six,758       87,309     Multifamily residential     384       1,200       1,394       1,421       8,617     total precise estate     61,829       102,121       153,024       162,800       230,794     client   -       10       17       17       sixteen     commercial and industrial     230       2,682       6,118       5,887       8,651     Agricultural   -     -     -     -     -     different     111       601       732       756       727     Loans receivable lined by way of loss share $   sixty two,one hundred seventy   $   one zero five,414   $   159,891   $   169,460   $   240,188                                                      home BancShares, Inc.   Consolidated web pastime Margin   (Unaudited)                     Three Months Ended     December 31, 2015     September 30, 2015     average   earnings/   Yield/     usual   profits/   Yield/   (dollars in lots)   balance   cost   fee     balance   fee   rate                                  property               earning belongings               hobby-bearing balances due from banks $   118,854   $   66     0.22 %   $   seventy eight,783   $   32     0.sixteen % Federal money offered     12,143       9     0.29 %       5,293       four     0.30 % funding securities - taxable     1,one hundred sixty five,060       5,865     2.00 %       1,129,453       5,157     1.81 % investment securities - non-taxable - FTE     346,909       four,705     5.38 %       326,069       four,557     5.54 % Loans receivable - FTE     6,535,714       ninety seven,971     5.ninety five %       5,800,688       88,854     6.08 % complete pastime-incomes belongings     8,178,680       108,616     5.27 %       7,340,286       98,604     5.33 % Non-earning belongings     973,962             890,551       total assets $   9,152,642         $   8,230,837                                               LIABILITIES AND SHAREHOLDERS' fairness               Liabilities               activity-bearing liabilities               rate reductions and interest-bearing transaction bills $   3,522,713   $   1,742     0.20 %   $   3,157,279   $   1,514     0.19 % Time deposits     1,449,881       1,615     0.forty four %       1,320,995       1,531     0.46 % complete pastime-bearing deposits     4,972,594       3,357     0.27 %       four,478,274       3,045     0.27 % Federal money purchased     708       1     0.56 %       1,250       1     0.32 % Securities offered under settlement to repurchase     one hundred thirty five,134       a hundred and forty     0.forty one %       143,672       146     0.forty % FHLB borrowed cash     1,242,496       2,641     0.eighty four %       1,044,369       2,030     0.77 % Subordinated debentures     60,826       351     2.29 %       60,826       340     2.22 % complete interest-bearing liabilities     6,411,758       6,490     0.40 %       5,728,391       5,562     0.39 % Non-pastime bearing liabilities                                       Non-interest bearing deposits     1,488,714             1,371,924       different liabilities     66,531             fifty eight,729       total liabilities     7,967,003             7,159,044       Shareholders' equity     1,185,639             1,071,793       total liabilities and shareholders' equity $   9,152,642         $   eight,230,837       web activity spread       4.87 %         4.94 % internet activity income and margin - FTE   $   102,126     4.95 %     $   ninety three,042     5.03 %  home BancShares, Inc.     Consolidated internet activity Margin     (Unaudited)                         12 months Ended       December 31, 2015     December 31, 2014       usual   profits/   Yield/     commonplace   earnings/   Yield/     (dollars in lots)   steadiness   rate   fee     balance   rate   fee                                        belongings                 earning property                 activity-bearing balances due from banks $   108,315   $   233     0.22 %   $   49,794   $   97     0.19 %   Federal cash offered     9,250       24     0.26 %       24,018       50     0.21 %   funding securities - taxable     1,114,829       21,695     1.95 %       1,041,322       19,305     1.85 %   investment securities - non-taxable - FTE     332,048       18,309     5.51 %       301,051       sixteen,502     5.48 %   Loans receivable - FTE     5,732,315       344,885     6.02 %       four,613,919       306,788     6.sixty five %   total activity-earning property     7,296,757       385,146     5.28 %       6,030,104       342,742     5.68 %   Non-earning assets     914,225             922,311             complete assets $   8,210,982         $   6,952,415                                                     LIABILITIES AND SHAREHOLDERS' fairness                 Liabilities                 hobby-bearing liabilities                 reductions and hobby-bearing transaction debts $   3,218,745   $   6,306     0.20 %   $   2,839,329   $   5,279     0.19 %   Time deposits     1,381,562       6,665     0.forty eight %       1,373,273       7,517     0.55 %   complete hobby-bearing deposits     4,600,307       12,971     0.28 %       4,212,602       12,796     0.30 %   Federal funds bought     824       four     0.49 %       956       three     0.31 %   Securities sold beneath contract to repurchase     156,513       621     0.forty %       151,610       717     0.47 %   FHLB borrowed funds     902,852       6,774     0.75 %       486,742       4,041     0.eighty three %   Subordinated debentures     60,826       1,354     2.23 %       60,826       1,313     2.sixteen %   total hobby-bearing liabilities     5,721,322       21,724     0.38 %       4,912,736       18,870     0.38 %   Non-hobby bearing liabilities                                         Non-hobby bearing deposits     1,358,905             1,one zero one,923         different liabilities     48,one hundred seventy             21,469         complete liabilities     7,128,397             6,036,128         Shareholders' fairness     1,082,585             916,287         total liabilities and shareholders' equity $   eight,210,982         $   6,952,415         net activity spread           four.ninety %             5.30 %   internet hobby salary and margin - FTE   $   363,422     4.98 %     $   323,872     5.37 %  

     

    FOR more tips CONTACT: Jennifer C. Floyd Chief Accounting Officer & Investor relations Officer domestic BancShares, Inc. (501) 339-2929


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