Form990-PF

Department of the Treasury
Internal Revenue Service

Return of Private Foundation
or Section 4947(a)(1) Trust Treated as Private Foundation
bulletDo not enter social security numbers on this form as it may be made public.
bulletGo to www.irs.gov/Form990PF for instructions and the latest information.
OMB No. 1545-0052
2020
Open to Public Inspection
For calendar year 2020, or tax year beginning 01-01-2020 , and ending 12-31-2020
Name of foundation
SIMMONS FIRST FOUNDATION INC
 
Number and street (or P.O. box number if mail is not delivered to street address)P O BOX 7009
  Room/suite
City or town, state or province, country, and ZIP or foreign postal code
PINE BLUFF, AR71611
A Employer identification number

46-4607601
B Telephone number (see instructions)

C bullet
G Check all that apply:

D 1. Foreign organizations, check here............. bullet
2. Foreign organizations meeting the 85%
test, check here and attach computation ... bullet
E bullet
H Check type of organization:
F bullet
I Fair market value of all assets at end
of year (from Part II, col. (c),
line 16)bullet$14,580,496J Accounting method:
 
(Part I, column (d) must be on cash basis.)
Part I Analysis of Revenue and Expenses (The total of amounts in columns (b), (c), and (d) may not necessarily equal the amounts in column (a) (see instructions).) (a) Revenue and
expenses per
books 		(b) Net investment
income 		(c) Adjusted net
income 		(d) Disbursements
for charitable
purposes
(cash basis only)
Revenue 1 Contributions, gifts, grants, etc., received (attach schedule) 3,510,100
2 Check bullet.............
3 Interest on savings and temporary cash investments 248 248  
4 Dividends and interest from securities... 253,321 253,321  
5a Gross rents............      
b Net rental income or (loss)  
6a Net gain or (loss) from sale of assets not on line 10 -127,529
b Gross sales price for all assets on line 6a 2,453,196
7 Capital gain net income (from Part IV, line 2)...  
8 Net short-term capital gain.........  
9 Income modifications...........  
10a Gross sales less returns and allowances  
b Less: Cost of goods sold....  
c Gross profit or (loss) (attach schedule).....    
11 Other income (attach schedule).......      
12 Total. Add lines 1 through 11........ 3,636,140 253,569  
Operating and Administrative Expenses 13 Compensation of officers, directors, trustees, etc.        
14 Other employee salaries and wages......        
15 Pension plans, employee benefits.......        
16a Legal fees (attach schedule).........        
b Accounting fees (attach schedule)....... Click to see attachment 9,700 4,850    
c Other professional fees (attach schedule).... Click to see attachment 83      
17 Interest...............        
18 Taxes (attach schedule) (see instructions)... Click to see attachment 4,980 5    
19 Depreciation (attach schedule) and depletion...      
20 Occupancy..............        
21 Travel, conferences, and meetings.......        
22 Printing and publications..........        
23 Other expenses (attach schedule).......        
24 Total operating and administrative expenses.
Add lines 13 through 23.......... 14,763 4,855   0
25 Contributions, gifts, grants paid....... 146,924 146,924
26 Total expenses and disbursements. Add lines 24 and 25 161,687 4,855   146,924
27 Subtract line 26 from line 12:
a Excess of revenue over expenses and disbursements 3,474,453
b Net investment income (if negative, enter -0-) 248,714
c Adjusted net income (if negative, enter -0-)...  
For Paperwork Reduction Act Notice, see instructions.
Cat. No. 11289X Form 990-PF (2020)
Form 990-PF (2020)
Page 2
Part II Balance Sheets Attached schedules and amounts in the description column
should be for end-of-year amounts only. (See instructions.) 		Beginning of year End of year
(a) Book Value (b) Book Value (c) Fair Market Value
Assets 1 Cash—non-interest-bearing............. 57,451    
2 Savings and temporary cash investments......... 4,649,059 4,339,448 4,339,448
3 Accounts receivable bullet  
Less: allowance for doubtful accounts bullet        
4 Pledges receivable bullet  
Less: allowance for doubtful accounts bullet        
5 Grants receivable.................      
6 Receivables due from officers, directors, trustees, and other
disqualified persons (attach schedule) (see instructions).....      
7 Other notes and loans receivable (attach schedule) bullet  
Less: allowance for doubtful accounts bullet        
8 Inventories for sale or use..............      
9 Prepaid expenses and deferred charges..........      
10a Investments—U.S. and state government obligations (attach schedule) 54,719 Click to see attachment611,957 611,957
b Investments—corporate stock (attach schedule)....... 3,092,453 Click to see attachment6,990,826 6,990,826
c Investments—corporate bonds (attach schedule)....... 2,362,829 Click to see attachment2,638,265 2,638,265
11 Investments—land, buildings, and equipment: basis bullet  
Less: accumulated depreciation (attach schedule) bullet        
12 Investments—mortgage loans.............      
13 Investments—other (attach schedule)..........      
14 Land, buildings, and equipment: basis bullet  
Less: accumulated depreciation (attach schedule) bullet        
15 Other assets (describe bullet) Click to see attachment446,958    
16 Total assets (to be completed by all filers—see the
instructions. Also, see page 1, item I) 10,663,469 14,580,496 14,580,496
Liabilities 17 Accounts payable and accrued expenses..........    
18 Grants payable.................    
19 Deferred revenue.................    
20 Loans from officers, directors, trustees, and other disqualified persons    
21 Mortgages and other notes payable (attach schedule)......    
22 Other liabilities (describe bullet)    
23 Total liabilities (add lines 17 through 22).........   0
Net Assets or Fund Balances Foundations that follow FASB ASC 958, check here bullet
and complete lines 24, 25, 29 and 30.
24 Net assets without donor restrictions........... 4,506,722 5,039,885
25 Net assets with donor restrictions............ 6,156,747 9,540,611
Foundations that do not follow FASB ASC 958, check here bullet
and complete lines 26 through 30.
26 Capital stock, trust principal, or current funds........    
27 Paid-in or capital surplus, or land, bldg., and equipment fund    
28 Retained earnings, accumulated income, endowment, or other funds    
29 Total net assets or fund balances (see instructions)..... 10,663,469 14,580,496
30 Total liabilities and net assets/fund balances (see instructions). 10,663,469 14,580,496
Part III
Analysis of Changes in Net Assets or Fund Balances
1
Total net assets or fund balances at beginning of year—Part II, column (a), line 29 (must agree with end-of-year figure reported on prior year’s return) ...............
1
10,663,469
2
Enter amount from Part I, line 27a .....................
2
3,474,453
3
Other increases not included in line 2 (itemize) bulletClick to see attachment
3
442,574
4
Add lines 1, 2, and 3 ..........................
4
14,580,496
5
Decreases not included in line 2 (itemize) bullet
5
 
6
Total net assets or fund balances at end of year (line 4 minus line 5)—Part II, column (b), line 29 .
6
14,580,496
Form 990-PF (2020)
Form 990-PF (2020)
Page 3
Part IV
Capital Gains and Losses for Tax on Investment Income
(a) List and describe the kind(s) of property sold (e.g., real estate,
2-story brick warehouse; or common stock, 200 shs. MLC Co.)		 (b)
How acquired
P—Purchase
D—Donation 		(c)
Date acquired
(mo., day, yr.) 		(d)
Date sold
(mo., day, yr.)
1 a PUBLICLY TRADED SECURITIES P    
b
c
d
e
(e)
Gross sales price 		(f)
Depreciation allowed
(or allowable) 		(g)
Cost or other basis
plus expense of sale 		(h)
Gain or (loss)
(e) plus (f) minus (g)
a 2,453,196   2,580,725 -127,529
b
c
d
e
Complete only for assets showing gain in column (h) and owned by the foundation on 12/31/69 (l)
Gains (Col. (h) gain minus
col. (k), but not less than -0-) or
Losses (from col.(h))
(i)
F.M.V. as of 12/31/69 		(j)
Adjusted basis
as of 12/31/69 		(k)
Excess of col. (i)
over col. (j), if any
a       -127,529
b
c
d
e
2 Capital gain net income or (net capital loss) Bracket If gain, also enter in Part I, line 7
If (loss), enter -0- in Part I, line 7		 Bracket 2 -127,529
3 Net short-term capital gain or (loss) as defined in sections 1222(5) and (6):
If gain, also enter in Part I, line 8, column (c) (see instructions). If (loss), enter -0-
in Part I, line 8 ................... 		Bracket 3  
Part V
Qualification Under Section 4940(e) for Reduced Tax on Net Investment Income
SECTION 4940(e) REPEALED ON DECEMBER 20, 2019 - DO NOT COMPLETE
1 Reserved
(a)
Reserved 		(b)
Reserved 		(c)
Reserved 		(d)
Reserved
2
Reserved...........................
2
3
Reserved...........................
3
4
Reserved...........................
4
5
Reserved...........................
5
6
Reserved...........................
6
7
Reserved...........................
7
8
Reserved,..........................
8
Form 990-PF (2020)
Form 990-PF (2020)
Page 4
Part VI
Excise Tax Based on Investment Income (Section 4940(a), 4940(b), 4940(e), or 4948—see instructions)
1a Exempt operating foundations described in section 4940(d)(2), check here Bullet and enter “N/A" on line 1. Bracket for line 1a
Date of ruling or determination letter:   (attach copy of letter if necessary–see instructions)
b Reserved................................ 1 3,457
c All other domestic foundations enter 1.39% of line 27b. Exempt foreign organizations enter 4% of Part I, line 12, col. (b)
2 Tax under section 511 (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-) 2  
3 Add lines 1 and 2........................... 3 3,457
4 Subtitle A (income) tax (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-) 4  
5 Tax based on investment income. Subtract line 4 from line 3. If zero or less, enter -0- ..... 5 3,457
6 Credits/Payments:
a 2020 estimated tax payments and 2019 overpayment credited to 2020 6a 3,680
b Exempt foreign organizations—tax withheld at source...... 6b  
c Tax paid with application for extension of time to file (Form 8868)... 6c  
d Backup withholding erroneously withheld ........... 6d  
7 Total credits and payments. Add lines 6a through 6d.............. 7 3,680
8 Enter any penalty for underpayment of estimated tax. Check here if Form 2220 is attached. Click to see attachment 8 28
9 Tax due. If the total of lines 5 and 8 is more than line 7, enter amount owed.......Bullet 9  
10 Overpayment. If line 7 is more than the total of lines 5 and 8, enter the amount overpaid...Bullet 10 195
11 Enter the amount of line 10 to be: Credited to 2021 estimated taxBullet195 RefundedBullet 11  
Part VII-A
Statements Regarding Activities
1a
During the tax year, did the foundation attempt to influence any national, state, or local legislation or did
Yes
No
it participate or intervene in any political campaign? ....................
1a
 
No
b
Did it spend more than $100 during the year (either directly or indirectly) for political purposes? See the instructions
for the definition.................................
1b
 
No
If the answer is "Yes" to 1a or 1b, attach a detailed description of the activities and copies of any materials
published or distributed by the foundation in connection with the activities.
c
Did the foundation file Form 1120-POL for this year?.....................
1c
 
No
d
Enter the amount (if any) of tax on political expenditures (section 4955) imposed during the year:
(1) On the foundation. bullet$   (2) On foundation managers.bullet$  
e
Enter the reimbursement (if any) paid by the foundation during the year for political expenditure tax imposed
on foundation managers.bullet$  
2
Has the foundation engaged in any activities that have not previously been reported to the IRS?.......
2
 
No
If "Yes," attach a detailed description of the activities.
3
Has the foundation made any changes, not previously reported to the IRS, in its governing instrument, articles
of incorporation, or bylaws, or other similar instruments? If "Yes," attach a conformed copy of the changes....
3
 
No
4a
Did the foundation have unrelated business gross income of $1,000 or more during the year?........
4a
 
No
b
If "Yes," has it filed a tax return on Form 990-T for this year?...................
4b
 
 
5
Was there a liquidation, termination, dissolution, or substantial contraction during the year?.........
5
 
No
If "Yes," attach the statement required by General Instruction T.
6
Are the requirements of section 508(e) (relating to sections 4941 through 4945) satisfied either:
  • By language in the governing instrument, or
  • By state legislation that effectively amends the governing instrument so that no mandatory directions
    • that conflict with the state law remain in the governing instrument?................
    6
    Yes
     
    7
    Did the foundation have at least $5,000 in assets at any time during the year? If "Yes," complete Part II, col. (c),
    and Part XV..................................
    7
    Yes
     
    8a
    Enter the states to which the foundation reports or with which it is registered (see instructions)
    bulletAR
    b
    If the answer is "Yes" to line 7, has the foundation furnished a copy of Form 990-PF to the Attorney
    General (or designate) of each state as required by General Instruction G? If "No," attach explanation .
    8b
    Yes
     
    9
    Is the foundation claiming status as a private operating foundation within the meaning of section 4942(j)(3)
    or 4942(j)(5) for calendar year 2020 or the taxable year beginning in 2020? See the instructions for Part XIV.
    If "Yes," complete Part XIV .............................
    9
     
    No
    10
    Did any persons become substantial contributors during the tax year? If "Yes," attach a schedule listing their names
    and addresses. ...............................
    10
     
    No
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 5
    Part VII-A
    Statements Regarding Activities (continued)
    11
    At any time during the year, did the foundation, directly or indirectly, own a controlled entity within the
    meaning of section 512(b)(13)? If "Yes," attach schedule. See instructions .............
    11
     
    No
    12
    Did the foundation make a distribution to a donor advised fund over which the foundation or a disqualified person had
    advisory privileges? If "Yes," attach statement. See instructions.................
    12
     
    No
    13
    Did the foundation comply with the public inspection requirements for its annual returns and exemption application?
    13
    Yes
     
    Website addressbulletN/A
    14
    The books are in care ofbulletDAVID GARNER Telephone no.bullet (870) 541-1243

    Located atbulletPO BOX 7009PINE BLUFFAR ZIP+4bullet71611
    15
    Section 4947(a)(1) nonexempt charitable trusts filing Form 990-PF in lieu of Form 1041 —check here .........bullet
    and enter the amount of tax-exempt interest received or accrued during the year ........bullet
    15
     
    16 At any time during calendar year 2020, did the foundation have an interest in or a signature or other authority over YesNo
    a bank, securities, or other financial account in a foreign country? .................
    16   No
    See the instructions for exceptions and filing requirements for FinCEN Form 114. If "Yes", enter the name of the foreign
    country bullet
    Part VII-B
    Statements Regarding Activities for Which Form 4720 May Be Required
    File Form 4720 if any item is checked in the "Yes" column, unless an exception applies.
    Yes
    No
    1a
    During the year did the foundation (either directly or indirectly):
    (1) Engage in the sale or exchange, or leasing of property with a disqualified person?
    (2) Borrow money from, lend money to, or otherwise extend credit to (or accept it from)
    a disqualified person?......................
    (3) Furnish goods, services, or facilities to (or accept them from) a disqualified person?
    (4) Pay compensation to, or pay or reimburse the expenses of, a disqualified person?
    (5) Transfer any income or assets to a disqualified person (or make any of either available
    for the benefit or use of a disqualified person)?...............
    (6) Agree to pay money or property to a government official? (Exception. Check "No"
    if the foundation agreed to make a grant to or to employ the official for a period
    after termination of government service, if terminating within 90 days.).......
    b
    If any answer is "Yes" to 1a(1)–(6), did any of the acts fail to qualify under the exceptions described in Regulations
    section 53.4941(d)-3 or in a current notice regarding disaster assistance? See instructions ........
    1b
     
     
    ........bullet
    c
    Did the foundation engage in a prior year in any of the acts described in 1a, other than excepted acts,
    that were not corrected before the first day of the tax year beginning in 2020?.............
    1c
     
     
    2
    Taxes on failure to distribute income (section 4942) (does not apply for years the foundation was a private
    operating foundation defined in section 4942(j)(3) or 4942(j)(5)):
    a
    At the end of tax year 2020, did the foundation have any undistributed income (lines 6d
    and 6e, Part XIII) for tax year(s) beginning before 2020?.............
    If "Yes," list the years bullet20, 20, 20, 20
    b
    Are there any years listed in 2a for which the foundation is not applying the provisions of section 4942(a)(2)
    (relating to incorrect valuation of assets) to the year’s undistributed income? (If applying section 4942(a)(2)
    to all years listed, answer "No" and attach statement—see instructions.) ..............
    2b
     
     
    c
    If the provisions of section 4942(a)(2) are being applied to any of the years listed in 2a, list the years here.
    bullet20, 20, 20, 20
    3a
    Did the foundation hold more than a 2% direct or indirect interest in any business enterprise at
    any time during the year?......................
    b
    If "Yes," did it have excess business holdings in 2020 as a result of (1) any purchase by the foundation
    or disqualified persons after May 26, 1969; (2) the lapse of the 5-year period (or longer period approved
    by the Commissioner under section 4943(c)(7)) to dispose of holdings acquired by gift or bequest; or (3)
    the lapse of the 10-, 15-, or 20-year first phase holding period? (Use Schedule C, Form 4720, to determine
    if the foundation had excess business holdings in 2020.)..................
    3b
     
     
    4a
    Did the foundation invest during the year any amount in a manner that would jeopardize its charitable purposes?
    4a
     
    No
    b
    Did the foundation make any investment in a prior year (but after December 31, 1969) that could jeopardize its
    charitable purpose that had not been removed from jeopardy before the first day of the tax year beginning in 2020?
    4b
     
    No
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 6
    Part VII-B
    Statements Regarding Activities for Which Form 4720 May Be Required (continued)
    5a
    During the year did the foundation pay or incur any amount to:
    Yes
    No
    (1) Carry on propaganda, or otherwise attempt to influence legislation (section 4945(e))?
    (2) Influence the outcome of any specific public election (see section 4955); or to carry
    on, directly or indirectly, any voter registration drive?.............
    (3) Provide a grant to an individual for travel, study, or other similar purposes?
    (4) Provide a grant to an organization other than a charitable, etc., organization described
    in section 4945(d)(4)(A)? See instructions................
    (5) Provide for any purpose other than religious, charitable, scientific, literary, or
    educational purposes, or for the prevention of cruelty to children or animals?.....
    b
    If any answer is "Yes" to 5a(1)–(5), did any of the transactions fail to qualify under the exceptions described in
    Regulations section 53.4945 or in a current notice regarding disaster assistance? See instructions ......
    5b
     
     
    .........bullet
    c
    If the answer is "Yes" to question 5a(4), does the foundation claim exemption from the
    tax because it maintained expenditure responsibility for the grant?..........
    If "Yes," attach the statement required by Regulations section 53.4945–5(d).
    6a
    Did the foundation, during the year, receive any funds, directly or indirectly, to pay premiums on
    a personal benefit contract?.....................
    b
    Did the foundation, during the year, pay premiums, directly or indirectly, on a personal benefit contract? ....
    6b
     
    No
    If "Yes" to 6b, file Form 8870.
    7a
    At any time during the tax year, was the foundation a party to a prohibited tax shelter transaction?
    b
    If "Yes", did the foundation receive any proceeds or have any net income attributable to the transaction? ....
    7b
     
     
    8
    Is the foundation subject to the section 4960 tax on payment(s) of more than $1,000,000 in remuneration or
    excess parachute payment during the year? .................
    Part VIII
    Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
    and Contractors
    1 List all officers, directors, trustees, foundation managers and their compensation. See instructions
    (a) Name and address (b) Title, and average
    hours per week
    devoted to position     		(c) Compensation
     (If not paid, enter
    -0-)     		(d) Contributions to employee benefit plans and deferred compensation (e) Expense account,
    other allowances
    J THOMAS MAY PRESIDENT
    000.00     		0 0 0
    PO BOX 7009
    PINE BLUFF,AR71611
    SHANNON MORGAN SECRETARY
    000.00     		0 0 0
    80 HARPER COVE LANE
    STAR CITY,AR71667
    ROBERT A FEHLMAN TREASURER
    000.00     		0 0 0
    30 MARCELLA DRIVE
    LITTLE ROCK,AR72223
    DAVID GARNER ASST. TREASU
    000.00     		0 0 0
    PO BOX 7009
    PINE BLUFF,AR71611
    ROBERT L SHOPTAW DIRECTOR
    000.00     		0 0 0
    21 RIVER RIDGE CIRCLE
    LITTLE ROCK,AR72227
    DR HARRY L RYBURN DIRECTOR
    000.00     		0 0 0
    6 HILLCROFT
    PINE BLUFF,AR71603
    DR KALEYBRA MITCHELL DIRECTOR
    000.00     		0 0 0
    PO BOX 242093
    LITTLE ROCK,AR72223
    GEORGE MAKRIS DIRECTOR
    000.00     		0 0 0
    2111 BEECHWOOD STREET
    LITTLE ROCK,AR72207
    MARTY D CASTEEL DIRECTOR
    000.00     		0 0 0
    1023 WEST 50TH
    PINE BLUFF,AR71603
    MARY PRINGOS DIRECTOR
    000.00     		0 0 0
    2800 SOUTH ARKANSAS HWY 88
    ALTHEIMER,AR72004
    ROBERT DILL DIRECTOR
    000.00     		0 0 0
    8 SOUTHERN PINES DRIVE
    PINE BLUFF,AR71603
    SCOTT MCGEORGE DIRECTOR
    000.00     		0 0 0
    15 WESTRIDGE
    PINE BLUFF,AR71603
    CARLA MARTIN DIRECTOR
    000.00     		0 0 0
    1002 ROSSWOOD COLONY DRIVE
    PINE BLUFF,AR71603
    CATHERINE SMART DIRECTOR
    000.00     		0 0 0
    501 SOUTH MAIN
    PINE BLUFF,AR71601
    PAT ANDERSON DIRECTOR
    000.00     		0 0 0
    501 SOUTH MAIN STREET
    PINE BLUFF,AR71601
    STEVE MASSANELLI DIRECTOR
    000.00     		0 0 0
    501 S MAIN STREET
    PINE BLUFF,AR71601
    2 Compensation of five highest-paid employees (other than those included on line 1—see instructions). If none, enter “NONE."
    (a) Name and address of each employee paid more than $50,000 (b) Title, and average
    hours per week
    devoted to position     		(c) Compensation (d) Contributions to
    employee benefit
    plans and deferred
    compensation     		(e) Expense account,
    other allowances
    NONE
    Total number of other employees paid over $50,000...................bullet  
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 7
    Part VIII
    Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
    and Contractors (continued)
    3 Five highest-paid independent contractors for professional services (see instructions). If none, enter "NONE".
    (a) Name and address of each person paid more than $50,000 (b) Type of service (c) Compensation
    NONE
    Total number of others receiving over $50,000 for professional services.............bullet  
    Part IX-A
    Summary of Direct Charitable Activities
    List the foundation’s four largest direct charitable activities during the tax year. Include relevant statistical information such as the number of organizations and other beneficiaries served, conferences convened, research papers produced, etc. Expenses
    1  
    2  
    3  
    4  
    Part IX-B
    Summary of Program-Related Investments (see instructions)
    Describe the two largest program-related investments made by the foundation during the tax year on lines 1 and 2. Amount
    1 N/A  
    2  
    All other program-related investments. See instructions.
    3  
    Total. Add lines 1 through 3.........................bullet  
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 8
    Part X
    Minimum Investment Return (All domestic foundations must complete this part. Foreign foundations, see instructions.)
    1
    Fair market value of assets not used (or held for use) directly in carrying out charitable, etc.,
    purposes:
    a
    Average monthly fair market value of securities...................
    1a
    8,098,996
    b
    Average of monthly cash balances.......................
    1b
    3,053,225
    c
    Fair market value of all other assets (see instructions)................
    1c
    0
    d
    Total (add lines 1a, b, and c).........................
    1d
    11,152,221
    e
    Reduction claimed for blockage or other factors reported on lines 1a and
    1c (attach detailed explanation) .............
    1e
     
    2
    Acquisition indebtedness applicable to line 1 assets..................
    2
     
    3
    Subtract line 2 from line 1d.........................
    3
    11,152,221
    4
    Cash deemed held for charitable activities. Enter 1 1/2% of line 3 (for greater amount, see
    instructions) .............................
    4
    167,283
    5
    Net value of noncharitable-use assets. Subtract line 4 from line 3. Enter here and on Part V, line 4
    5
    10,984,938
    6
    Minimum investment return. Enter 5% of line 5..................
    6
    549,247
    Part XI
    Distributable Amount (see instructions) (Section 4942(j)(3) and (j)(5) private operating foundations and certain foreign organizations check here right arrow and do not complete this part.)
    1
    Minimum investment return from Part X, line 6....................
    1
    549,247
    2a
    Tax on investment income for 2020 from Part VI, line 5......
    2a
    3,457
    b
    Income tax for 2020. (This does not include the tax from Part VI.)...
    2b
     
    c
    Add lines 2a and 2b............................
    2c
    3,457
    3
    Distributable amount before adjustments. Subtract line 2c from line 1............
    3
    545,790
    4
    Recoveries of amounts treated as qualifying distributions................
    4
     
    5
    Add lines 3 and 4............................
    5
    545,790
    6
    Deduction from distributable amount (see instructions).................
    6
     
    7
    Distributable amount as adjusted. Subtract line 6 from line 5. Enter here and on Part XIII, line 1 ...
    7
    545,790
    Part XII
    Qualifying Distributions (see instructions)
    1
    Amounts paid (including administrative expenses) to accomplish charitable, etc., purposes:
    a
    Expenses, contributions, gifts, etc.—total from Part I, column (d), line 26 ..........
    1a
    146,924
    b
    Program-related investments—total from Part IX-B..................
    1b
     
    2
    Amounts paid to acquire assets used (or held for use) directly in carrying out charitable, etc.,
    purposes...............................
    2
     
    3
    Amounts set aside for specific charitable projects that satisfy the:
    a
    Suitability test (prior IRS approval required)....................
    3a
     
    b
    Cash distribution test (attach the required schedule) .................
    3b
     
    4
    Qualifying distributions. Add lines 1a through 3b. Enter here and on Part V, line 8, and Part XIII, line 4
    4
    146,924
    5
    Foundations that qualify under section 4940(e) for the reduced rate of tax on net investment
    income. Enter 1% of Part I, line 27b. See instructions.................
    5
     
    6
    Adjusted qualifying distributions. Subtract line 5 from line 4..............
    6
    146,924
    Note: The amount on line 6 will be used in Part V, column (b), in subsequent years when calculating whether the foundation qualifies for
    the section 4940(e) reduction of tax in those years.
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 9
    Part XIII
    Undistributed Income (see instructions)
    (a)
    Corpus     		(b)
    Years prior to 2019     		(c)
    2019     		(d)
    2020
    1 Distributable amount for 2020 from Part XI, line 7 545,790
    2 Undistributed income, if any, as of the end of 2020:
    a Enter amount for 2019 only.......  
    b Total for prior years:20, 20, 20  
    3 Excess distributions carryover, if any, to 2020:
    a From 2015......  
    b From 2016...... 41,867
    c From 2017......  
    d From 2018...... 75,975
    e From 2019......  
    fTotal of lines 3a through e........ 117,842
    4Qualifying distributions for 2020 from Part
    XII, line 4: bullet$ 146,924
    a Applied to 2019, but not more than line 2a  
    b Applied to undistributed income of prior years
    (Election required—see instructions).....     		 
    c Treated as distributions out of corpus (Election
    required—see instructions)........     		 
    d Applied to 2020 distributable amount..... 146,924
    e Remaining amount distributed out of corpus  
    5 Excess distributions carryover applied to 2020. 117,842 117,842
    (If an amount appears in column (d), the
    same amount must be shown in column (a).)
    6Enter the net total of each column as
    indicated below:
    a Corpus. Add lines 3f, 4c, and 4e. Subtract line 5  
    b Prior years’ undistributed income. Subtract
    line 4b from line 2b ..........     		 
    c Enter the amount of prior years’ undistributed
    income for which a notice of deficiency has
    been issued, or on which the section 4942(a)
    tax has been previously assessed......     		 
    d Subtract line 6c from line 6b. Taxable amount
    —see instructions ...........     		 
    e Undistributed income for 2019. Subtract line
    4a from line 2a. Taxable amount—see
    instructions .............     		 
    f Undistributed income for 2020. Subtract
    lines 4d and 5 from line 1. This amount must
    be distributed in 2021 ..........     		281,024
    7 Amounts treated as distributions out of
    corpus to satisfy requirements imposed by
    section 170(b)(1)(F) or 4942(g)(3) (Election may
    be required - see instructions) .......     		 
    8 Excess distributions carryover from 2015 not
    applied on line 5 or line 7 (see instructions) ...     		 
    9Excess distributions carryover to 2021.
    Subtract lines 7 and 8 from line 6a ......     		 
    10 Analysis of line 9:
    a Excess from 2016....  
    b Excess from 2017....  
    c Excess from 2018....  
    d Excess from 2019....  
    e Excess from 2020....  
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 10
    Part XIV
    Private Operating Foundations (see instructions and Part VII-A, question 9)
    1a If the foundation has received a ruling or determination letter that it is a private operating
    foundation, and the ruling is effective for 2020, enter the date of the ruling....... bullet
     
    b Check box to indicate whether the organization is a private operating foundation described in section or
    2a Enter the lesser of the adjusted net
    income from Part I or the minimum
    investment return from Part X for each
    year listed ..........     		Tax year Prior 3 years (e) Total
    (a) 2020 (b) 2019 (c) 2018 (d) 2017
             
    b 85% of line 2a .........          
    c Qualifying distributions from Part XII,
    line 4 for each year listed .....     		         
    d Amounts included in line 2c not used directly
    for active conduct of exempt activities ..........     		         
    e Qualifying distributions made directly
    for active conduct of exempt activities.
    Subtract line 2d from line 2c ....     		         
    3 Complete 3a, b, or c for the
    alternative test relied upon:
    a “Assets" alternative test—enter:
    (1) Value of all assets ......          
    (2) Value of assets qualifying
    under section 4942(j)(3)(B)(i)    		          
    b “Endowment" alternative test— enter 2/3
    of minimum investment return shown in
    Part X, line 6 for each year listed...     		         
    c “Support" alternative test—enter:
    (1) Total support other than gross
    investment income (interest,
    dividends, rents, payments
    on securities loans (section
    512(a)(5)), or royalties) ....     		         
    (2) Support from general public
    and 5 or more exempt
    organizations as provided in
    section 4942(j)(3)(B)(iii)....     		         
    (3) Largest amount of support
    from an exempt organization    		          
    (4) Gross investment income          
    Part XV
    Supplementary Information (Complete this part only if the foundation had $5,000 or more in
    assets at any time during the year—see instructions.)
    1Information Regarding Foundation Managers:
    aList any managers of the foundation who have contributed more than 2% of the total contributions received by the foundation
    before the close of any tax year (but only if they have contributed more than $5,000). (See section 507(d)(2).)
    bList any managers of the foundation who own 10% or more of the stock of a corporation (or an equally large portion of the
    ownership of a partnership or other entity) of which the foundation has a 10% or greater interest.
    2Information Regarding Contribution, Grant, Gift, Loan, Scholarship, etc., Programs:
    Check here bullet
    aThe name, address, and telephone number or e-mail address of the person to whom applications should be addressed:
    SHANNON MORGAN
    PO BOX 7009
    PINE BLUFF,AR71611
    (870) 541-1102
    SHANNON.MORGAN@SIMMONSFIRST.COM
    bThe form in which applications should be submitted and information and materials they should include:
    WRITTEN FORMAT
    cAny submission deadlines:
    DETERMINED BY THE BOARD
    dAny restrictions or limitations on awards, such as by geographical areas, charitable fields, kinds of institutions, or other
    factors:
    DETERMINED BY THE BOARD
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 11
    Part XV
    Supplementary Information (continued)
    3 Grants and Contributions Paid During the Year or Approved for Future Payment
    Recipient If recipient is an individual,
    show any relationship to
    any foundation manager
    or substantial contributor
    		 Foundation
    status of
    recipient     		Purpose of grant or
    contribution     		Amount
    Name and address (home or business)
    aPaid during the year
    ARKANSAS FOOD BANK
    4301 W 65TH STREET
    LITTLE ROCK,AR72209     		NONE PC FOOD DONATION 1,000
    BOYS & GIRLS CLUB OF FAULKNER COUNT
    1405 ROBINS STREET
    CONWAY,AR72033     		NONE PC COMMUNITY DEVELOPMENT 3,500
    BOYS & GIRLS CLUB OF JEFFERSON COUN
    2701 SHORT REEKER STREET
    PINE BLUFF,AR71601     		NONE PC COMMUNITY DEVELOPMENT 19,110
    CHRISTIAN COMMUNITY SERVICES INC
    601 BENTON AVE
    NASHVILLE,TN37204     		NONE PC CHRISTIAN SERVICES 5,000
    CITY OF PINE BLUFF PARKS & RECREATI
    200 LAKE SARACEN DRIVE
    LITTLE ROCK,AR71601     		NONE PC PARKS AND RECREATION UPKEEP 20,000
    DOWN PAYMENT ASSISTANCE GRANTS
    PROVIDENCE TITLE LLC
    25 CENTRU BLVD
    SUITE 402
    NASHVILLE,TN37214     		NONE PC HOUSING DOWN PAYMENT ASSISTANCE PROG 7,500
    FORT SMITH CHILDREN'S SHELTER
    3015 S 14TH STREET
    FORT SMITH,AR72901     		NONE PC PROVIDE ASSISTANCE TO SHELTER 1,000
    LINCOLN CONSOLIDATED SCHOOL DISTRIC
    107 E SCHOOL STREET
    LINCOLN,AR72744     		NONE PC EDUCATIONAL PURPOSES 16,850
    OUR KIDS
    1804 HAYES STREET
    NASHVILLE,TN37203     		NONE PC PROVIDE MEDICAL ASSISTANCE TO KIDS 25,000
    PROFESSIONAL DEVELOPMENT GROUP
    620 OLD HICKORY BLVD
    JACKSON,TN38305     		NONE PC ECONOMIC DEVELOPMENT TRAINING 5,000
    PULASKI COUNTY SHERIFF'S FOP
    2900 S WOODROW STREET
    LITTLE ROCK,AR72204     		NONE AR FINANCIAL SUPPORT 1,000
    ROTARY CLUB OF WEST PINE BLUFF
    PO BOX 6845
    PINE BLUFF,AR71611     		NONE AR COMMUNITY LEADER DEVELOPMENT 1,000
    TENNESSEE SMALL BUSINESS DEVELOPMEN
    3050 MEDICAL CENTER PARKW
    MURFREESBORO,TN37129     		NONE PC ENCOURAGE SMALL BUSINESSES 6,250
    UAPB RIRP PROJECT
    1200 UNIVERSITY DRIVE
    PINE BLUFF,AR71601     		NONE AR EDUCATIONAL PURPOSES 3,964
    WOODBINE COMMUNITY ORGANIZATION
    643 SPENCE LANE
    NASHVILLE,TN37217     		NONE PC COMMUNITY DEVELOPMENT 3,750
    ARKANSAS SHAKESPEARE THEATRE
    UCA BOX 5136
    CONWAY,AR72035     		NONE PC EDUCATIONAL PURPOSES 25,000
    JEFFERSON COUNTY SHERIFF'S OFFICE R
    410 E 2ND AVENUE
    PINE BLUFF,AR71601     		NONE PC COMMUNITY DEVELOPMENT 2,000
    Total .................................bullet 3a 146,924
    bApproved for future payment
    Total .................................bullet 3b  
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 12
    Part XVI-A
    Analysis of Income-Producing Activities
    Enter gross amounts unless otherwise indicated. Unrelated business income Excluded by section 512, 513, or 514 (e)
    Related or exempt
    function income
    (See instructions.)
    1Program service revenue: (a)
    Business code     		(b)
    Amount     		(c)
    Exclusion code     		(d)
    Amount
    a
    b
    c
    d
    e
    f
    gFees and contracts from government agencies          
    2 Membership dues and assessments....          
    3 Interest on savings and temporary cash
    investments ...........     		    14 248  
    4 Dividends and interest from securities....     14 253,321  
    5 Net rental income or (loss) from real estate:
    aDebt-financed property......          
    bNot debt-financed property.....          
    6 Net rental income or (loss) from personal property          
    7 Other investment income.....          
    8 Gain or (loss) from sales of assets other than
    inventory ............     		    18 -127,529  
    9 Net income or (loss) from special events:          
    10 Gross profit or (loss) from sales of inventory          
    11 Other revenue: a
    b
    c
    d
    e
    12 Subtotal. Add columns (b), (d), and (e)..   126,040  
    13Total. Add line 12, columns (b), (d), and (e)..................
    13
    126,040
    (See worksheet in line 13 instructions to verify calculations.)
    Part XVI-B
    Relationship of Activities to the Accomplishment of Exempt Purposes
    Line No.
    DownArrow     		Explain below how each activity for which income is reported in column (e) of Part XVI-A contributed importantly to
    the accomplishment of the foundation’s exempt purposes (other than by providing funds for such purposes). (See
    instructions.)
    Form 990-PF (2020)
    Form 990-PF (2020)
    Page 13
    Part XVII
    Information Regarding Transfers To and Transactions and Relationships With Noncharitable Exempt Organizations
    1
    Did the organization directly or indirectly engage in any of the following with any other organization described in section 501(c) (other than section 501(c)(3) organizations) or in section 527, relating to political organizations?
    Yes
    No
    a
    Transfers from the reporting foundation to a noncharitable exempt organization of:
    (1) Cash...................................
    1a(1)
     
    No
    (2) Other assets.................................
    1a(2)
     
    No
    b
    Other transactions:
    (1) Sales of assets to a noncharitable exempt organization....................
    1b(1)
     
    No
    (2) Purchases of assets from a noncharitable exempt organization..................
    1b(2)
     
    No
    (3) Rental of facilities, equipment, or other assets.......................
    1b(3)
     
    No
    (4) Reimbursement arrangements...........................
    1b(4)
     
    No
    (5) Loans or loan guarantees.............................
    1b(5)
     
    No
    (6) Performance of services or membership or fundraising solicitations................
    1b(6)
     
    No
    c
    Sharing of facilities, equipment, mailing lists, other assets, or paid employees..............
    1c
     
    No
    d
    If the answer to any of the above is "Yes," complete the following schedule. Column (b) should always show the fair market value
    of the goods, other assets, or services given by the reporting foundation. If the foundation received less than fair market value
    in any transaction or sharing arrangement, show in column (d) the value of the goods, other assets, or services received.
    (a) Line No. (b) Amount involved (c) Name of noncharitable exempt organization (d) Description of transfers, transactions, and sharing arrangements
    2a
    Is the foundation directly or indirectly affiliated with, or related to, one or more tax-exempt organizations
    described in section 501(c) (other than section 501(c)(3)) or in section 527? ...........
    b
    If "Yes," complete the following schedule.

    (a) Name of organization (b) Type of organization (c) Description of relationship
    Sign Here
    Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than taxpayer) is based on all information of which preparer has any knowledge.
    Bullet Bullet
    May the IRS discuss this return
    with the preparer shown below?
    See instructions.
    Signature of officer or trustee Date Title
    Paid Preparer Use Only Print/Type preparer's name Preparer's Signature Date PTIN
    Firm's name SmallBullet
    		 Firm's EIN SmallBullet
    Firm's address SmallBullet


    		 Phone no.
    Form 990-PF (2020)
    Additional Data


    Software ID:  
    Software Version:  


    Form 990PF - Special Condition Description:
    Special Condition Description
    Schedule B
    (Form 990, 990-EZ,
    or 990-PF)
    Department of the Treasury
    Internal Revenue Service
    Schedule of Contributors

    Arrow Bullet Attach to Form 990, 990-EZ, or 990-PF.
    Arrow Bullet Go to www.irs.gov/Form990 for the latest information.
    OMB No. 1545-0047
    2020
    Name of the organization
    SIMMONS FIRST FOUNDATION INC
     
    Employer identification number

    46-4607601
    Organization type (check one):
    Filers of:
    Section:
    Form 990 or 990-EZ






    Form 990-PF




    Check if your organization is covered by the General Rule or a Special Rule.  
    Note: Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.
    General Rule
    Special Rules
    ......... Arrow Bullet $  
    Caution: An organization that isn't covered by the General Rule and/or the Special Rules doesn't file Schedule B (Form 990,
    990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its Form 990-EZ
    or on its Form 990PF, Part I, line 2, to certify that it doesn't meet the filing requirements of Schedule B (Form 990,
    990-EZ, or 990-PF).
    For Paperwork Reduction Act Notice, see the Instructions
    for Form 990, 990-EZ, or 990-PF.
    Cat. No. 30613XSchedule B (Form 990, 990-EZ, or 990-PF) (2020)
    Schedule B (Form 990, 990-EZ, or 990-PF) (2020) Page 2
    Name of organization
    SIMMONS FIRST FOUNDATION INC
          		Employer identification number
    46-4607601
    Part I
    Contributors
    Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
    1
    SIMMONS BANK
    SIMMONS BANK COMMUNITY ENHANCEMENT
    PO BOX 7009
     
    PINE BLUFF, AR71611

    		$ 3,000,000


    (Complete Part II for noncash contributions.)
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
    2
    LUCILLE R TLAPEK
    PO BOX 241009
     
    LITTLE ROCK, AR72223

    		$ 10,100


    (Complete Part II for noncash contributions.)
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
    3
    PINE BLUFF EDUCATIONAL ENDOWMENT
     
    PO BOX 8705
     
    PINE BLUFF, AR71611

    		$ 500,000


    (Complete Part II for noncash contributions.)
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
     
     
     
     

    		$  


    (Complete Part II for noncash contributions.)
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
     
     
     
     

    		$  


    (Complete Part II for noncash contributions.)
    (a)
    No.    		 (b)
    Name, address, and ZIP + 4    		 (c)
    Total contributions    		 (d)
    Type of contribution
     
     
     
     

    		$  


    (Complete Part II for noncash contributions.)
    Schedule B (Form 990, 990-EZ, or 990-PF) (2020)
    Schedule B (Form 990, 990-EZ, or 990-PF) (2020)
    Page 3
    Name of organization
    SIMMONS FIRST FOUNDATION INC
          		Employer identification number

    46-4607601
    Part II
    Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    (a)
    No. from Part I    		 (b)
    Description of noncash property given    		 (c)
    FMV (or estimate)
    (See instructions)     		(d)
    Date received
     
    		$    
    Schedule B (Form 990, 990-EZ, or 990-PF) (2020)
    Schedule B (Form 990, 990-EZ, or 990-PF) (2020)
    Page 4
    Name of organization
    SIMMONS FIRST FOUNDATION INC
          		Employer identification number

    46-4607601
    Part III
    Exclusively religious, charitable, etc., contributions to organizations described in section 501(c)(7), (8), or (10) that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) Arrow Bullet$  
    Use duplicate copies of Part III if additional space is needed.
    (a)
    No. from Part I    		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
     
    (e) Transfer of gift
    Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
     
     
         
     
    (a)
    No. from Part I    		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
     
    (e) Transfer of gift
    Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
     
     
         
     
    (a)
    No. from Part I    		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
     
    (e) Transfer of gift
    Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
     
     
         
     
    (a)
    No. from Part I    		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
     
    (e) Transfer of gift
    Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
     
     
         
     
    Schedule B (Form 990, 990-EZ, or 990-PF) (2020)
    Additional Data


    Software ID:  
    Software Version:  

    TY 2020 AccountingFeesSchedule
    Name:
    SIMMONS FIRST FOUNDATION INC
    EIN:
    46-4607601
    Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
    ACCOUNTING FEES 9,700 4,850    

    TY 2020 InvestmentsCorpBondsSchedule
    Name:
    SIMMONS FIRST FOUNDATION INC
    EIN:
    46-4607601
    Name of Bond End of Year Book Value End of Year Fair Market Value
    3M COMPANY 31,802 31,802
    ALPHABET INC 29,589 29,589
    ALPHABET INC 50,113 50,113
    ALLY BANK 75,799 75,799
    AMERICAN EXPRESS NATIONAL BANK 3% 75,974 75,974
    APPLE INC 1.1% 20,567 20,567
    APPLE INC 2.85% 78,760 78,760
    BANK OF AMERICA 1.898 50,517 50,517
    BANK OF AMERICA 2.25%    
    BANK OF HOPE 2.5%    
    BANK OF HOPE 2.5%    
    BANK OF NEW ENGLAND 51,864 51,864
    BANK OF NEW YORK MELLON 2.15%    
    BAPTIST HEALTH OBLIG GROUP 25,880 25,880
    BAPTIST HEALTH OBLIG GROUP 3.569 51,760 51,760
    BARCLAYS BANK 3%    
    BECTON DICKINSON & CO 3.25%    
    BERKSHIRE HATHAWAY FINANCIAL 3% 51,907 51,907
    BMO GARRIS BK NA    
    BMO HARRIS BK NA 2.8%    
    BOFI FED BANK SAN DIEGO CA    
    CAPITAL ONE BANK USA NA C/D 2.1% 15,183 15,183
    CAPITAL ONE FINANCIAL 16,097 16,097
    CAPITAL ONE FINANCIAL 3.5 53,655 53,655
    CATERPILLAR FINL SERVICES CORP 29,976 29,976
    CATRPILLAR FINL SERVICES CORP 49,961 49,961
    CITIBANK NA SIOUX FALLS 3.35% 79,853 79,853
    CITIBANK NA SIOUX FALLS SD 3.35% 26,618 26,618
    COCA-COLA CO 2.5% 54,257 54,257
    COMENITY CAPITAL BANK 3.05% 76,679 76,679
    ENERBANK C/D 2% 25,831 25,831
    ENERBANK C/D 2% 77,492 77,492
    ENTERY AR INC 4% 58,541 58,541
    FEDERATED INST HIGH YIELD BOND 9,976 9,976
    FEDERATED INST HIGH YIELD BOND FUND 128,418 128,418
    FIRST UNITED BANK AND TRUST CO    
    FORD MOTOR CREDIT COMPANY 4.134% 31,463 31,463
    GENERAL DYNAMICS    
    GENERAL DYNAMICS    
    GENERAL ELECTRIC 3.45 22,621 22,621
    GENERAL ELECTRIC 3.45 56,553 56,553
    GOLDMAN SACHS BANK 3% 50,550 50,550
    GUFFENHEIM FLTG RATE STRATEGIES 9,493 9,493
    HOT SPRINGS AR TAXABLE 81,266 81,266
    HOT SPRINGS AR TAXABLE 2.98 54,178 54,178
    HP INC 33,102 33,102
    INTERNATIONAL BUSINESS MACHINES    
    ISHARES IBOXX HIGH YIELD CORP 6,984 6,984
    ISHARES IBOXX HIGH YIELD CORP 26,190 26,190
    ISHARES IBOXX HIGH YIELD CORP BOND 30,555 30,555
    J P MORGAN CHASE AND CO 49,958 49,958
    JOHN DEERE CAPITAL CORP 3.45% 28,004 28,004
    JOHNSON & JOHNSON 25,898 25,898
    JOHNSON & JOHNSON 51,795 51,795
    JOHNSON & JOHNSON 2.05 51,795 51,795
    JP MORGAN CHASE 50,110 50,110
    LIVE OAK BANKING CO WILMINGTON 2.4%    
    MORGAN STANLEY BANK N A 2.6%    
    PEPSICO INC 2.25% 50,276 50,276
    PIMCO ETF TR ENHANCED SHORT MATURITY 10,204 10,204
    RAYMOND JAMES FINANCIAL INC 61,333 61,333
    RUSSELLVILLE AR TAXABLE 50,164 50,164
    SALLIE MAE BANK 3% 65,995 65,995
    SPRINGDALE AR SALES/USE TAX REV 25,349 25,349
    SPRINGDALE AR SALES/USE TAX REV 50,697 50,697
    SYSCO CORP 2.5 25,249 25,249
    TARGET CORP 2.5% 27,629 27,629
    TCF NATIONAL BANK SIOUX FALLS 2.45%    
    TYSON FOODS INC 2.25% 30,287 30,287
    UBS BANK SALT LAKE CITY 2.8%    
    UNITED PARCEL SERVICE INC 81,866 81,866
    UNIV OF CENTRAL AR REV TAXABLE 50,121 50,121
    WALGREENS BOOTS ALLIANCE INC 27,158 27,158
    WALMART INC 54,223 54,223
    WASHINGTON SVGS 2.5%    
    WELLS FARGO & CO 20,037 20,037
    WELLS FARGO BANK 50,093 50,093
    WEX BANK 3%    

    TY 2020 InvestmentsCorpStockSchedule
    Name:
    SIMMONS FIRST FOUNDATION INC
    EIN:
    46-4607601
    Name of Stock End of Year Book Value End of Year Fair Market Value
    ABBVIE INC 24,430 24,430
    ABBVIE INC 81,434 81,434
    ABBVIE INC 64,290 64,290
    ACTIVISION BLIZZARD INC 4,178 4,178
    AMERICAN ELECTRIC POWER INC 9,992 9,992
    AMERICAN ELECTRIC POWER INC 51,627 51,627
    AMERICAN ELECTRIC POWER INC 49,962 49,962
    AMGEN INC 4,828 4,828
    AMGEN INC 22,992 22,992
    AMGEN INC 30,120 30,120
    AT& T INC 81,535 81,535
    AT&T 20,851 20,851
    AT&T INC 68,161 68,161
    BRISTOL MYERS - SQUIBB CO. 17,927 17,927
    BRISTOL MYERS - SQUIBB COMPANY 54,710 54,710
    BRISTOL MYERS - SQUIBB COMPANY 43,421 43,421
    CHEVRON CORPORATION 5,067 5,067
    CHEVRON CORPORATION 26,602 26,602
    CHEVRON CORPORATION 31,669 31,669
    CISCO SYSTEM 88,605 88,605
    CISCO SYSTEM 67,125 67,125
    CISCO SYSTEM INC 29,311 29,311
    CME GROUP INC 9,103 9,103
    CME GROUP INC COMMON STOCK 60,077 60,077
    CME GROUP, INC 45,513 45,513
    COCA-COLA CO 40,801 40,801
    COCA-COLA CO 130,245 130,245
    COCA-COLA CO 116,809 116,809
    CRACKER BARREL OLD COUNTRY STORE    
    CRACKER BARREL OLD COUNTRY STORE    
    CUMMINS INC 25,662 25,662
    CUMMINS INC 78,577 78,577
    CUMMINS INC 61,544 61,544
    DANAHER CORP 16,661 16,661
    DUKE ENERGY CORP 3,754 3,754
    DUKE ENERGY CORP 18,678 18,678
    DUKE ENERGY CORP 16,481 16,481
    EXXON MOBIL CORPORATION 62,448 62,448
    EXXON MOBIL CORPORATION 61,830 61,830
    EXXON MOBILE CORPORATION 17,395 17,395
    FEDERATED HERMES, INC 6,269 6,269
    FEDERATED HERMES, INC 10,112 10,112
    FEDERATED HERMES, INC 10,689 10,689
    FEDERATED INVESTORS INC    
    FEDEX CORP    
    FORD MOTOR COMPANY 1,714 1,714
    FORD MOTOR COMPANY    
    GENERAL MOTORS    
    GENERAL MOTORS CO 4,081 4,081
    GENUINE PARTS CO 4,218 4,218
    GENUINE PARTS 22,597 22,597
    GENUINE PARTS 21,592 21,592
    GILEAD SCIENCES INC 11,244 11,244
    GILEAD SCIENCES INC 22,430 22,430
    GILEAD SCIENCES INC 30,878 30,878
    GOLDMAN SACHS MLP ENERGY    
    GOLDMAN SACHS MLP ENERGY    
    GOODUEAR TIRE AND RUBBER    
    GOODYEAR TIRE AND RUBBER CO 2,542 2,542
    INTEL CORPORATION 5,879 5,879
    ISHARES CORE HIGH DIVIDEND ETF 18,849 18,849
    ISHARES CORE HIGH DIVIDEND ETF 263,887 263,887
    ISHARES CORE HIGH DIVIDENDS 227,942 227,942
    ISHARES GOLD TRUST 31,365 31,365
    ISHARES GOLD TRUST 77,053 77,053
    ISHARES GOLD TRUST 67,988 67,988
    ISHARES MSCI EAFE ETF 10,944 10,944
    ISHARES MSCI EMERGING MKT ETF 17,051 17,051
    ISHARES RUSSELL 3000 11,178 11,178
    ISHARES RUSSELL 3000 50,299 50,299
    ISHARES TR CORE S&P SMALL-CAP ETF 3,740 3,740
    J P MORGAN CHASE & CO ALERIAN MLP IN    
    JB HUNT TRANSPORT SVCS INC 1,913 1,913
    JOHNSON & JOHNSON 6,610 6,610
    JOHNSON & JOHNSON 29,902 29,902
    JOHNSON & JOHNSON 37,456 37,456
    JP MORGAN CHASE AND CO    
    KIMBERLY-CLARK CORPORATION 28,719 28,719
    KIMBERLY-CLARK CORPORATION 69,842 69,842
    KIMBERLY-CLARK CORPORATION 100,448 100,448
    KRANESHARES CSI CHINA INTEREST    
    KROGER CO 9,147 9,147
    MERCK AND COMPANY INC 108,794 108,794
    MERCK AND COMPANY INC 98,160 98,160
    MERCK AND COMPANY INC 25,276 25,276
    MICROSOFT CORPORATION 8,007 8,007
    MURPHY OIL CORPORATION    
    MURPHY OIL CORPORATION    
    NEWMONT GOLDCORP CORP 9,882 9,882
    NEWMONT GOLDCORP CORP 10,780 10,780
    NEWMONT GOLDCORP CORP 14,374 14,374
    NEXTERA ENERGY INC 11,110 11,110
    NEXTERA ENERGY INC 24,688 24,688
    NEXTERA ENERGY INC 32,403 32,403
    NORTHERN GLOBAL REAL ESTATE 16,780 16,780
    NORTHERN TRUST CORPORATION    
    NUCOR CORP    
    NUCOR CORP    
    PAYCHEX INC 15,282 15,282
    PAYCHEX INC 38,670 38,670
    PAYCHEX INC 28,886 28,886
    PEPSICO INC 8,898 8,898
    PEPSICO INC 44,490 44,490
    PEPSICO INC 63,028 63,028
    PFIZER INC 75,461 75,461
    PFIZER INC 95,706 95,706
    PFZER INC 30,994 30,994
    PHILLIPS 66 7,623 7,623
    PHILLIPS 66 41,894 41,894
    PHILLIPS 66 32,802 32,802
    PINE BLUFF COMMERICAL, INC 100,000 100,000
    SALESFORCE COM INC 3,338 3,338
    SCHLUMBERGER LIMITED 3,056 3,056
    SCHLUMBERGER LIMITED 20,957 20,957
    SCHLUMBERGER LIMITED 8,928 8,928
    SELECT SECTOR SPDR INDUSTRIAL 3,896 3,896
    SELECT SECTOR SPDR MATERIALS 3,620 3,620
    SOUTHWEST AIRLINES    
    SPDR K&W REGIONAL BANKING ETF 8,312 8,312
    SPDR S & P METALS & MINING ETF    
    TARGET CORP 10,592 10,592
    TARGET CORP    
    TEXTRON INC 2,706 2,706
    THERMO FISHER SCIENTIFIC INC 3,260 3,260
    TWITTER INC    
    TYSON FOODS INC 13,468 13,468
    TYSON FOODS INC CL A 25,454 25,454
    TYSON FOODS INC CL A 35,635 35,635
    UBER TECHNOLOGIES INC 3,570 3,570
    UNDER ARMOUR INC CLASS A COMMON 3,262 3,262
    VANECK VECTORS 15,020 15,020
    VANGUARD DEV MKTS INDEX ADMIRAL 286,528 286,528
    VANGUARD DEVELOPED MARKETS INDEX FUN 373,081 373,081
    VANGUARD EMERGING MKTS INDEX ADM 75,868 75,868
    VANGUARD EMERGING MKTS INDEX FUND AD 98,603 98,603
    VANGUARD FTSE DEVELOPED MARKETS ETF 13,880 13,880
    VANGUARD FTSE EMERGING MARKETS 7,166 7,166
    VANGUARD GROWTH INDEX FUND ADM 276,125 276,125
    VANGUARD GROWTH INDEX FUND ADMIRAL C 402,723 402,723
    VANGUARD MID CAP GROWTH 79,266 79,266
    VANGUARD MID CAP GROWTH INDEX FUND 99,864 99,864
    VANGUARD MID CAP VALUE 98,976 98,976
    VANGUARD SMALL CAP GROWTH INDEX 28,358 28,358
    VANGUARD SMALL CAP GROWTH INDEX FUND 34,882 34,882
    VANGUARD SMALL CAP VALUE ETF 3,413 3,413
    VANGUARD SMALL CAP VALUE INDEX 27,950 27,950
    VANGUARD SMALL CAP VALUE INDEX FUND 35,364 35,364
    VANGUARD VALUE INDEX FUND ADMIRAL 209,215 209,215
    VANGUARD VALUE INDEX FUND ADMIRAL CL 410,337 410,337
    VERIZON COMMUNICATIONS 26,673 26,673
    VERIZON COMMUNICATIONS 111,625 111,625
    VERIZON COMMUNICATIONS 100,756 100,756
    WAL-MART 14,415 14,415
    WAL-MART INC 38,200 38,200
    WAL-MART STORES INC 25,803 25,803
    WALT DISNEY CO COMMON STOCK 10,146 10,146
    WELLS FARGO & CO 4,708 4,708
    WELLS FARGO & CO 15,090 15,090
    WELLS FARGO & CO 30,180 30,180
    VANGUARD MID CAP VALUE 79,576 79,576
    MEDTRONIC HLDG LTD FOREIGN STOCK    

    TY 2020 InvestmentsGovtObligationsSch
    Name:
    SIMMONS FIRST FOUNDATION INC
    EIN:
    46-4607601
    US Government Securities - End of Year Book Value:

    561,873
    US Government Securities - End of Year Fair Market Value:

    561,873
    State & Local Government Securities - End of Year Book Value:


    50,084
    State & Local Government Securities - End of Year Fair Market Value:


    50,084


    TY 2020 OtherAssetsSchedule
    Name:
    SIMMONS FIRST FOUNDATION INC
    EIN:
    46-4607601
    Description Beginning of Year - Book Value End of Year - Book Value End of Year - Fair Market Value
    CHANGE IN MARKET VALUE 446,958    


    TY 2020 OtherIncreasesSchedule
    Name:
    SIMMONS FIRST FOUNDATION INC
    EIN:
    46-4607601
    Description Amount
    UNREALIZED GAIN 442,574


    TY 2020 OtherProfessionalFeesSchedule
    Name:
    SIMMONS FIRST FOUNDATION INC
    EIN:
    46-4607601
    Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
    ADMINISTRATIVE 83      


    TY 2020 TaxesSchedule
    Name:
    SIMMONS FIRST FOUNDATION INC
    EIN:
    46-4607601
    Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
    EXCISE TAXES 4,980      
    FOREIGN TAXES   5