Forward-Looking Statements and Non-GAAP Financial Measures Non-GAAP Financial Measures. This presentation contains financial information determined by methods other than in accordance with U.S. generally accepted accounting principles ("GAAP"). The Company's management uses these non-GAAP financial measures in their analysis of the Company's performance. These measures adjust GAAP performance measures to, among other things, include the tax benefit associated with revenue items that are tax-exempt, as well ...

Simmons First National Corporation (NASDAQ:SFNC) Q4 2022 Earnings Conference Call January 24, 2023 10:00 AM ET Company Participants Ed Bilek - Director of Investor Relations Jay Brogdon - President and Chief Financial Officer Bob Fehlman - Chief Executive Officer Matt Reddin - Executive Vice President and Chief Banking Officer George Makris - Executive Chairman Conference Call Participants Brady Gailey - KBW David Feaster - Raymond James Stephen Scouten - Piper Sandler Gary Tenner - D.A. Davidson Matt Olne ...

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) (Former name, former address and former fiscal year, if changed since last report) Securities registered pursuant to Section 12(b) of the Act: ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to __ ...

Simmons First National Corp (NASDAQ:SFNC) Q3 2022 Earnings Conference Call October 25, 2022 10:00 AM ET Company Participants Edward Bilek - EVP & Director, IR Robert Fehlman - President & COO Matthew Reddin - EVP & Chief Banking Officer, Simmons Bank George Makris - Chairman & CEO James Brogdon - EVP, CFO & Treasurer Conference Call Participants Brady Gailey - KBW David Feaster - Raymond James & Associates Gary Tenner - D.A. Davidson & Co. Matthew Olney - Stephens Graham Dick - Piper Sandler & Co. Operator ...

Nasdaq: SFNC3 rd Quarter 2022 Earnings Presentation Contents 3 Q3 Highlights 4 Q3 Results Overview 10 Loans 13 Deposits, Liquidity, Securities, Interest Rate Sensitivity & Capital 19 Credit Quality 22 Key Takeaways 24 Appendix Forward-Looking Statements and Non-GAAP Financial Measures Forward-Looking Statements. Certain statements by Simmons First National Corporation (the "Company", which where appropriate includes the Company's wholly-owned banking subsidiary, Simmons Bank) contained in this presentation ...

Part I: Financial Information [Financial Statements (Unaudited)](index=3&type=section&id=Item%201.%20Financial%20Statements%20(Unaudited)) Unaudited Q2 2022 financial statements show **$27.2 billion** in assets from acquisitions, with net income at **$27.5 million** impacted by credit provisions and merger costs [Consolidated Balance Sheets](index=3&type=section&id=Consolidated%20Balance%20Sheets) Total assets grew to **$27.2 billion** by June 30, 2022, driven by loan growth and acquisitions, with equity stable despite increased comprehensive loss Consolidated Balance Sheet Highlights (in thousands of dollars) | Account | June 30, 2022 | December 31, 2021 | | :--- | :--- | :--- | | **Total Assets** | **$27,218,609** | **$24,724,759** | | Net Loans | $14,897,733 | $11,807,171 | | Goodwill | $1,310,528 | $1,146,007 | | Total Investments | $8,161,329 | $8,642,766 | | **Total Liabilities** | **$23,958,714** | **$21,475,918** | | Total Deposits | $22,035,863 | $19,366,548 | | **Total Stockholders' Equity** | **$3,259,895** | **$3,248,841** | | Accumulated other comprehensive loss | ($450,428) | ($10,545) | [Consolidated Statements of Income](index=4&type=section&id=Consolidated%20Statements%20of%20Income) Q2 2022 net income decreased to **$27.5 million** from **$74.9 million** in Q2 2021, primarily due to a **$33.9 million** credit loss provision and merger costs Key Income Statement Data (in thousands of dollars, except per share data) | Metric | Q2 2022 | Q2 2021 | YTD 2022 | YTD 2021 | | :--- | :--- | :--- | :--- | :--- | | Net Interest Income | $185,099 | $146,533 | $330,705 | $293,214 | | Provision for credit losses | $33,859 | ($12,951) | $13,945 | ($11,506) | | Non-Interest Income | $40,178 | $47,115 | $82,396 | $96,664 | | Non-Interest Expense | $156,813 | $114,657 | $285,230 | $227,659 | | Merger related costs | $19,133 | $686 | $21,019 | $919 | | **Net Income** | **$27,454** | **$74,924** | **$92,549** | **$142,344** | | **Diluted EPS** | **$0.21** | **$0.69** | **$0.77** | **$1.31** | [Consolidated Statements of Comprehensive Income (Loss)](index=5&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income%20(Loss)) Q2 2022 saw a comprehensive loss of **$96.0 million**, a significant shift from **$124.2 million** comprehensive income in Q2 2021, driven by unrealized losses on securities Comprehensive Income (Loss) Summary (in thousands of dollars) | Metric | Q2 2022 | Q2 2021 | YTD 2022 | YTD 2021 | | :--- | :--- | :--- | :--- | :--- | | Net Income | $27,454 | $74,924 | $92,549 | $142,344 | | Total Other Comprehensive Income (Loss) | ($123,467) | $49,249 | ($439,883) | ($47,653) | | **Comprehensive Income (Loss)** | **($96,013)** | **$124,173** | **($347,334)** | **$94,691** | [Consolidated Statements of Cash Flows](index=6&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) H1 2022 operating cash flow was **$177.9 million**, with **$353.2 million** used in investing and **$510.5 million** in financing, resulting in a **$685.8 million** decrease in cash Six-Month Cash Flow Summary (in thousands of dollars) | Activity | Six Months Ended June 30, 2022 | Six Months Ended June 30, 2021 | | :--- | :--- | :--- | | Net cash provided by operating activities | $177,857 | $176,310 | | Net cash used in investing activities | ($353,188) | ($2,462,960) | | Net cash (used in) provided by financing activities | ($510,475) | $1,153,622 | | **Decrease in Cash and Cash Equivalents** | **($685,806)** | **($1,133,028)** | [Consolidated Statements of Stockholders' Equity](index=7&type=section&id=Consolidated%20Statements%20of%20Stockholders'%20Equity) H1 2022 stockholders' equity slightly increased to **$3.26 billion**, with **$464.9 million** stock issuance for acquisition offset by **$439.9 million** comprehensive loss and repurchases - Stock issued for the Spirit acquisition totaled **18,275,074 shares**, valued at **$464.9 million**[22](index=22&type=chunk) - The company repurchased **2,549,049 shares** for **$66.1 million** during the first six months of 2022[22](index=22&type=chunk) - Accumulated other comprehensive loss increased significantly from **$10.5 million** at year-end 2021 to **$450.4 million** at June 30, 2022, primarily due to unrealized losses on available-for-sale securities[22](index=22&type=chunk) [Condensed Notes to Consolidated Financial Statements](index=13&type=section&id=Condensed%20Notes%20to%20Consolidated%20Financial%20Statements) Notes detail accounting policies, the **$464.9 million** Spirit merger, a **$1.99 billion** securities transfer to held-to-maturity, and loan portfolio growth to **$15.1 billion** with increased allowance [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=54&type=section&id=Item%202.%20Management's%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Q2 2022 net income was impacted by merger costs, with adjusted earnings at **$66.8 million**, driven by strong loan growth, expanded net interest margin, and improved asset quality - Q2 2022 net income was **$27.5 million**, or **$0.21 diluted EPS**; adjusted earnings, excluding merger costs and Day 2 provisions, were **$66.8 million**, or **$0.52 adjusted diluted EPS**[234](index=234&type=chunk) - The acquisition of Spirit of Texas Bancshares, Inc. was completed on April 8, 2022, strengthening the company's position in the Texas market[237](index=237&type=chunk) - Asset quality improved, with non-performing assets as a percent of total assets decreasing to **0.27%** at June 30, 2022, from **0.33%** at year-end 2021[239](index=239&type=chunk) - The commercial loan pipeline increased by **28%** from the prior quarter to **$3.02 billion**[242](index=242&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=80&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) The company manages interest rate risk, projecting a **2.88%** net interest income increase for a 100 basis point rate hike, and maintains diverse liquidity sources including **$3.7 billion** in FHLB advances - The company's primary sources of liquidity include federal funds lines of credit (**$415 million**), FHLB lines of credit (**$3.7 billion** available), wholesale and retail deposits, and a laddered investment portfolio[381](index=381&type=chunk)[382](index=382&type=chunk) Net Interest Income Sensitivity Analysis (as of June 30, 2022, % Change from Base) | Interest Rate Scenario | % Change from Base | | :--- | :--- | | Up 200 basis points | 5.33% | | Up 100 basis points | 2.88% | | Down 25 basis points | (0.82)% | [Controls and Procedures](index=82&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that disclosure controls and procedures were effective as of June 30, 2022, with no material changes to internal control over financial reporting during the quarter - Management concluded that the company's disclosure controls and procedures were effective as of June 30, 2022[393](index=393&type=chunk) - No material changes to internal controls over financial reporting occurred during the second quarter of 2022[394](index=394&type=chunk) Part II: Other Information [Legal Proceedings](index=82&type=section&id=Item%201.%20Legal%20Proceedings) The company is involved in class action lawsuits regarding overdraft fees, with settlements pending or in principle, and expects no material adverse financial impact - The company is party to several putative class action complaints regarding the assessment of overdraft and insufficient funds fees[160](index=160&type=chunk)[162](index=162&type=chunk) - Management has entered into a settlement agreement in one case and reached a settlement in principle in another, and does not expect these matters to have a material adverse effect on the company's financials[160](index=160&type=chunk)[161](index=161&type=chunk)[164](index=164&type=chunk) [Risk Factors](index=83&type=section&id=Item%201A.%20Risk%20Factors) No material changes to the company's risk factors were reported since the Annual Report on Form 10-K for the year ended December 31, 2021 - No material changes to risk factors were reported since the 2021 Form 10-K[396](index=396&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=83&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) A new **$175.0 million** stock repurchase program was authorized in January 2022, under which **2,035,324 shares** were repurchased in Q2 2022 at an average price of **$24.59** per share - A new stock repurchase program for up to **$175.0 million** was authorized in January 2022, terminating on January 31, 2024[397](index=397&type=chunk) Share Repurchases for Q2 2022 (in dollars, except shares) | Period | Total Shares Purchased | Average Price Paid per Share | Approximate Dollar Value Remaining | | :--- | :--- | :--- | :--- | | April 2022 | 0 | $0.00 | - | | May 2022 | 2,035,324 | $24.59 | $124,959,000 | | June 2022 | 0 | $0.00 | - | | **Total** | **2,035,324** | **$24.59** | **-** | [Exhibits](index=84&type=section&id=Item%206.%20Exhibits) Exhibits filed with the Form 10-Q include merger agreements, corporate governance documents, and Sarbanes-Oxley certifications from the CEO, CFO, and CAO - Exhibits filed include certifications from the CEO, CFO, and CAO as required by Sarbanes-Oxley, along with merger agreements and corporate governance documents[401](index=401&type=chunk)

Simmons First National Corporation (NASDAQ:SFNC) Q2 2022 Earnings Conference Call July 21, 2022 10:00 AM ET Company Participants Ed Bilek - Executive Vice President, and Director of Investor Relations George Makris - Chairman, and Chief Executive Officer James Brogdon - Executive Vice President, Chief Financial Officer, and Treasurer Matthew Reddin - Chief Banking Officer Robert Fehlman - President and Chief Operating Officer Conference Call Participants Brady Gailey - KBW David Feaster - Raymond James Matt ...

Nasdaq: SFNC2 nd Quarter 2022 Earnings Presentation Contents 3 Q2 Highlights 4 Q2 Results Overview 11 Loans 14 Deposits, Liquidity, Securities, Interest Rate Sensitivity & Capital 20 Credit Quality 23 Key Takeaways 25 Appendix Forward-Looking Statements and Non-GAAP Financial Measures Forward-Looking Statements. Certain statements by Simmons First National Corporation (the "Company", which where appropriate includes the Company's wholly-owned banking subsidiary, Simmons Bank) contained in this presentation ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____ to _____ Commission File Number 000-06253 SIMMONS FIRST NATIONAL CORPORATION (Exact name of registrant as specified in its charter) Arkansas 71-0407808 ...

Simmons First National Corp. (NASDAQ:SFNC) Q1 2022 Results Conference Call April 28, 2022 10:00 AM ET Company Participants Edward Bilek - EVP & Director, IR George Makris - Chairman, CEO James Brogdon - EVP, CFO & Treasurer Matthew Reddin - Chief Banking Officer Robert Fehlman - President, COO Conference Call Participants Brad Gailey – KBW David Feaster - Raymond James Gary Tenner - D.A. Davidson Matt Olney – Stephens Stephen Scouten - Piper Sandler Edward Bilek Good morning, and thank you for joining our f ...