Company Quick10K Filing
Simmons First National
Price25.51 EPS2
Shares97 P/E13
MCap2,474 P/FCF13
Net Debt923 EBIT372
TEV3,396 TEV/EBIT9
TTM 2019-09-30, in MM, except price, ratios
10-Q 2020-06-30 Filed 2020-08-06
10-Q 2020-03-31 Filed 2020-05-07
10-K 2019-12-31 Filed 2020-02-27
10-Q 2019-09-30 Filed 2019-11-07
10-Q 2019-06-30 Filed 2019-08-07
10-Q 2019-03-31 Filed 2019-05-08
10-K 2018-12-31 Filed 2019-02-27
10-Q 2018-09-30 Filed 2018-11-07
10-Q 2018-06-30 Filed 2018-08-07
10-Q 2018-03-31 Filed 2018-05-08
10-K 2017-12-31 Filed 2018-02-28
10-Q 2017-09-30 Filed 2017-11-06
10-Q 2017-06-30 Filed 2017-08-07
10-Q 2017-03-31 Filed 2017-05-09
10-K 2016-12-31 Filed 2017-02-28
10-Q 2016-09-30 Filed 2016-11-08
10-Q 2016-06-30 Filed 2016-08-08
10-Q 2016-03-31 Filed 2016-05-09
10-K 2015-12-31 Filed 2016-02-29
10-Q 2015-09-30 Filed 2015-11-09
10-Q 2015-06-30 Filed 2015-08-10
10-Q 2015-03-31 Filed 2015-05-11
10-K 2014-12-31 Filed 2015-03-16
10-Q 2014-09-30 Filed 2014-11-10
10-Q 2014-06-30 Filed 2014-08-11
10-Q 2014-03-31 Filed 2014-05-09
10-K 2013-12-31 Filed 2014-03-11
10-Q 2013-09-30 Filed 2013-11-12
10-Q 2013-06-30 Filed 2013-08-09
10-Q 2013-03-31 Filed 2013-05-10
10-K 2012-12-31 Filed 2013-03-12
10-Q 2012-09-30 Filed 2012-11-09
10-Q 2012-06-30 Filed 2012-08-09
10-Q 2012-03-31 Filed 2012-05-10
10-K 2011-12-31 Filed 2012-03-07
10-Q 2011-09-30 Filed 2011-11-09
10-Q 2011-06-30 Filed 2011-08-09
10-Q 2011-03-31 Filed 2011-05-10
10-K 2010-12-31 Filed 2011-03-04
10-Q 2010-09-30 Filed 2010-11-09
10-Q 2010-06-30 Filed 2010-08-09
10-Q 2010-03-31 Filed 2010-05-06
10-K 2009-12-31 Filed 2010-03-02
8-K 2020-08-31 Regulation FD, Exhibits
8-K 2020-07-23 Code of Ethics, Exhibits
8-K 2020-07-21 Earnings, Exhibits
8-K 2020-04-23
8-K 2020-04-23
8-K 2020-04-23
8-K 2020-04-21
8-K 2020-04-01
8-K 2020-03-04
8-K 2020-02-27
8-K 2020-02-11
8-K 2020-02-10
8-K 2020-01-27
8-K 2020-01-21
8-K 2019-12-20
8-K 2019-12-17
8-K 2019-12-02
8-K 2019-11-15
8-K 2019-10-29
8-K 2019-10-22
8-K 2019-10-17
8-K 2019-10-15
8-K 2019-09-25
8-K 2019-09-16
8-K 2019-09-03
8-K 2019-07-30
8-K 2019-07-24
8-K 2019-07-23
8-K 2019-06-25
8-K 2019-06-20
8-K 2019-06-05
8-K 2019-05-20
8-K 2019-05-17
8-K 2019-05-16
8-K 2019-05-06
8-K 2019-04-22
8-K 2019-04-17
8-K 2019-04-12
8-K 2019-03-25
8-K 2019-02-13
8-K 2019-02-12
8-K 2019-01-31
8-K 2019-01-28
8-K 2019-01-24
8-K 2019-01-22
8-K 2018-12-27
8-K 2018-11-26
8-K 2018-11-16
8-K 2018-11-13
8-K 2018-11-06
8-K 2018-10-24
8-K 2018-10-22
8-K 2018-10-05
8-K 2018-09-24
8-K 2018-09-04
8-K 2018-07-30
8-K 2018-07-25
8-K 2018-07-23
8-K 2018-07-19
8-K 2018-07-02
8-K 2018-06-06
8-K 2018-05-22
8-K 2018-05-14
8-K 2018-05-07
8-K 2018-05-02
8-K 2018-04-23
8-K 2018-04-19
8-K 2018-04-19
8-K 2018-03-21
8-K 2018-03-21
8-K 2018-03-19
8-K 2018-02-07
8-K 2018-01-22
8-K 2018-01-22
8-K 2018-01-18

SFNC 10Q Quarterly Report

Part I: Financial Information
Item 1. Financial Statements (Unaudited)
Note 1: Preparation of Interim Financial Statements
Note 2: Acquisitions
Note 3: Investment Securities
Note 4: Other Assets and Other Liabilities Held for Sale
Note 5: Loans and Allowance for Credit Losses
Note 6: Right - of - Use Lease Assets and Lease Liabilities
Note 7: Premises and Equipment
Note 8: Goodwill and Other Intangible Assets
Note 9: Time Deposits
Note 10: Income Taxes
Note 11: Securities Sold Under Agreements To Repurchase
Note 12: Other Borrowings and Subordinated Notes and Debentures
Note 13: Contingent Liabilities
Note 14: Capital Stock
Note 15: Undivided Profits
Note 16: Stock - Based Compensation
Note 17: Earnings per Share ("Eps")
Note 18: Additional Cash Flow Information
Note 19: Other Income and Other Operating Expenses
Note 20: Certain Transactions
Note 21: Commitments and Credit Risk
Note 22: Fair Value Measurements
Note 23: Derivative Instruments
Note 24: Recent Events
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 3. Quantitative and Qualitative Disclosures About Market Risk
Item 4. Controls and Procedures
Part Ii: Other Information
Item 1. Legal Proceedings
Item 1A. Risk Factors
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Item 6. Exhibits
EX-15.1 sfnc-063020xex151.htm
EX-31.1 sfnc-063020xex311.htm
EX-31.2 sfnc-063020xex312.htm
EX-31.3 sfnc-063020xex313.htm
EX-32.1 sfnc-063020xex321.htm
EX-32.2 sfnc-063020xex322.htm
EX-32.3 sfnc-063020xex323.htm

Simmons First National Earnings 2020-06-30

Balance SheetIncome StatementCash Flow

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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 June 30, 2020
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
sfnc-20200630_g1.jpg SIMMONS FIRST NATIONAL CORPORATION
(Exact name of registrant as specified in its charter)
Arkansas71-0407808
(State or other jurisdiction of(I.R.S. Employer
incorporation or organization)Identification No.)
  
501 Main Street71601
Pine Bluff(Zip Code)
Arkansas
(Address of principal executive offices)
 (870) 541-1000
(Registrant’s telephone number, including area code)
 
Not Applicable
(Former name, former address and former fiscal year, if changed since last report) 

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common stock, par value $0.01 per shareSFNCThe Nasdaq Global Select Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes    No
 
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes    No
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer
 
Accelerated filerNon-accelerated filer
Smaller reporting companyEmerging Growth company
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
 
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act.).  Yes    No

The number of shares outstanding of the Registrant’s Common Stock as of August 3, 2020, was 109,016,379.




Simmons First National Corporation
Quarterly Report on Form 10-Q
June 30, 2020

Table of Contents

  Page
 
 
 
 
 
 
 
 
 
   
 
Item 3.Defaults Upon Senior Securities*
Item 4.Mine Safety Disclosures*
Item 5.Other Information*
   
 
___________________
* No reportable information under this item.





Part I: Financial Information
Item 1. Financial Statements (Unaudited)
Simmons First National Corporation
Consolidated Balance Sheets
June 30, 2020 and December 31, 2019
June 30,December 31,
(In thousands, except share data)20202019
 (Unaudited) 
ASSETS  
Cash and non-interest bearing balances due from banks$234,998  $277,208  
Interest bearing balances due from banks and federal funds sold2,310,162  719,415  
Cash and cash equivalents
2,545,160  996,623  
Interest bearing balances due from banks - time4,561  4,554  
Investment securities:
Held-to-maturity, net of allowance for credit losses of $307 at June 30, 2020
51,720  40,927  
Available-for-sale, net of allowance for credit losses of $609 at June 30, 2020 (amortized cost of $2,428,548 and $3,263,151 at June 30, 2020 and December 31, 2019, respectively)
2,496,896  3,288,343  
Total investments
2,548,616  3,329,270  
Mortgage loans held for sale120,034  58,102  
Other assets held for sale399  260,332  
Loans14,606,900  14,425,704  
Allowance for credit losses on loans(231,643) (68,244) 
Net loans
14,375,257  14,357,460  
Premises and equipment478,896  492,384  
Premises held for sale4,576    
Foreclosed assets and other real estate owned14,111  19,121  
Interest receivable79,772  62,707  
Bank owned life insurance256,643  254,152  
Goodwill1,064,765  1,055,520  
Other intangible assets117,823  127,340  
Other assets293,071  241,578  
Total assets
$21,903,684  $21,259,143  
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits:
Non-interest bearing transaction accounts$4,608,098  $3,741,093  
Interest bearing transaction accounts and savings deposits8,978,045  9,090,878  
Time deposits3,029,975  3,276,969  
Total deposits
16,616,118  16,108,940  
Federal funds purchased and securities sold under agreements to repurchase387,025  150,145  
Other borrowings1,393,689  1,297,599  
Subordinated debentures382,604  388,260  
Other liabilities held for sale  159,853  
Accrued interest and other liabilities219,545  165,422  
Total liabilities
18,998,981  18,270,219  
Stockholders’ equity:
Preferred stock, 40,040,000 shares authorized; Series D, $0.01 par value, $1,000 liquidation value per share; 767 shares issued and outstanding at June 30, 2020 and December 31, 2019
767  767  
Common stock, Class A, $0.01 par value; 175,000,000 shares authorized at June 30, 2020 and December 31, 2019; 108,994,389 and 113,628,601 shares issued and outstanding at June 30, 2020 and December 31, 2019, respectively
1,090  1,136  
Surplus2,029,383  2,117,282  
Undivided profits819,153  848,848  
Accumulated other comprehensive income54,310  20,891  
Total stockholders’ equity
2,904,703  2,988,924  
Total liabilities and stockholders’ equity
$21,903,684  $21,259,143  


See Condensed Notes to Consolidated Financial Statements.
3




Simmons First National Corporation
Consolidated Statements of Income
Three and Six Months Ended June 30, 2020 and 2019

 Three Months Ended
June 30,
Six Months Ended June 30,
(In thousands, except per share data)2020201920202019
 (Unaudited)(Unaudited)
INTEREST INCOME
Loans$176,910  $178,122  $364,476  $337,562  
Interest bearing balances due from banks and federal funds sold603  1,121  3,044  3,275  
Investment securities13,473  15,666  32,416  31,947  
Mortgage loans held for sale668  332  949  542  
TOTAL INTEREST INCOME191,654  195,241  400,885  373,326  
INTEREST EXPENSE
Deposits18,006  34,796  49,283  65,546  
Federal funds purchased and securities sold under agreements to repurchase337  257  1,096  393  
Other borrowings4,963  6,219  9,840  13,012  
Subordinated notes and debentures4,667  4,541  9,502  8,952  
TOTAL INTEREST EXPENSE27,973  45,813  69,721  87,903  
NET INTEREST INCOME163,681  149,428  331,164  285,423  
Provision for credit losses26,915  7,079  53,049  16,364  
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES136,766  142,349  278,115  269,059  
NON-INTEREST INCOME
Trust income7,253  5,794  14,404  11,502  
Service charges on deposit accounts8,570  10,557  21,898  20,625  
Other service charges and fees1,489  1,312  3,077  2,601  
Mortgage lending income12,459  3,656  17,505  6,479  
SBA lending income245  895  541  1,392  
Investment banking income571  360  1,448  978  
Debit and credit card fees7,996  7,212  15,910  13,310  
Bank owned life insurance income1,445  1,260  2,743  2,055  
Gain on sale of securities, net390  2,823  32,485  5,563  
Other income9,809  6,065  22,610  10,221  
TOTAL NON-INTEREST INCOME50,227  39,934  132,621  74,726  
NON-INTEREST EXPENSE
Salaries and employee benefits57,644  56,128  125,568  112,495  
Occupancy expense, net9,217  6,919  18,727  14,394  
Furniture and equipment expense6,144  4,206  11,867  7,564  
Other real estate and foreclosure expense274  591