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
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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: Investment Securities
Note 3: Other Liabilities Held for Sale
Note 4: Loans and Allowance for Credit Losses
Note 5: Right - of - Use Lease Assets and Lease Liabilities
Note 6: Premises and Equipment
Note 7: Goodwill and Other Intangible Assets
Note 8: Time Deposits
Note 9: Income Taxes
Note 10: Securities Sold Under Agreements To Repurchase
Note 11: Other Borrowings and Subordinated Notes and Debentures
Note 12: Contingent Liabilities
Note 13: Capital Stock
Note 14: Undivided Profits
Note 15: Stock - Based Compensation
Note 16: Earnings per Share ("Eps")
Note 17: Additional Cash Flow Information
Note 18: Other Income and Other Operating Expenses
Note 19: Certain Transactions
Note 20: Commitments and Credit Risk
Note 21: Fair Value Measurements
Note 22: Derivative Instruments
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-10.1 ex101-indemnificationagree.htm
EX-10.4 ex104reddin-cicxsecversion.htm
EX-10.5 ex105compton-cicxsecversio.htm
EX-10.6 ex106makrisiii-cicxsecvers.htm
EX-10.7 ex107garner-cicxsecversion.htm
EX-10.8 ex10anneman-cicxsecversion.htm
EX-10.9 ex109barber-cicxsecversion.htm
EX-15.1 sfnc-033121xex151.htm
EX-31.1 sfnc-033121xex311.htm
EX-31.2 sfnc-033121xex312.htm
EX-31.3 sfnc-033121xex313.htm
EX-32.1 sfnc-033121xex321.htm
EX-32.2 sfnc-033121xex322.htm
EX-32.3 sfnc-033121xex323.htm

Simmons First National Earnings 2021-03-31

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 March 31, 2021
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-20210331_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 May 4, 2021, was 108,348,630.




Simmons First National Corporation
Quarterly Report on Form 10-Q
March 31, 2021

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
March 31, 2021 and December 31, 2020
March 31,December 31,
(In thousands, except share data)20212020
 (Unaudited) 
ASSETS  
Cash and non-interest bearing balances due from banks$227,713 $217,499 
Interest bearing balances due from banks and federal funds sold3,677,750 3,254,653 
Cash and cash equivalents3,905,463 3,472,152 
Interest bearing balances due from banks - time1,334 1,579 
Investment securities:
Held-to-maturity, net of allowance for credit losses of $1,618 and $2,915 at March 31, 2021 and December 31, 2020, respectively
609,500 333,031 
Available-for-sale, net of allowance for credit losses of $2,454 and $312 at March 31, 2021 and December 31, 2020, respectively (amortized cost of $4,582,052 and $3,397,043 at March 31, 2021 and December 31, 2020, respectively)
4,528,348 3,473,598 
Total investments5,137,848 3,806,629 
Mortgage loans held for sale63,655 137,378 
Loans12,195,873 12,900,897 
Allowance for credit losses on loans(235,116)(238,050)
Net loans11,960,757 12,662,847 
Premises and equipment427,540 441,692 
Premises held for sale13,613 15,008 
Foreclosed assets and other real estate owned11,168 18,393 
Interest receivable71,359 72,597 
Bank owned life insurance257,152 255,630 
Goodwill1,075,305 1,075,305 
Other intangible assets107,091 111,110 
Other assets315,832 289,432 
Total assets$23,348,117 $22,359,752 
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits:
Non-interest bearing transaction accounts$4,884,667 $4,482,091 
Interest bearing transaction accounts and savings deposits10,279,997 9,672,608 
Time deposits3,024,724 2,832,327 
Total deposits18,189,388 16,987,026 
Federal funds purchased and securities sold under agreements to repurchase323,053 299,111 
Other borrowings1,340,467 1,342,067 
Subordinated debentures383,008 382,874 
Other liabilities held for sale 154,620 
Accrued interest and other liabilities181,426 217,398 
Total liabilities20,417,342 19,383,096 
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 March 31, 2021 and December 31, 2020
767 767 
Common stock, Class A, $0.01 par value; 175,000,000 shares authorized at March 31, 2021 and December 31, 2020; 108,345,732 and 108,077,662 shares issued and outstanding at March 31, 2021 and December 31, 2020, respectively
1,083 1,081 
Surplus2,017,188 2,014,076 
Undivided profits948,913 901,006 
Accumulated other comprehensive (loss) income(37,176)59,726 
Total stockholders’ equity2,930,775 2,976,656 
Total liabilities and stockholders’ equity$23,348,117 $22,359,752 

See Condensed Notes to Consolidated Financial Statements.
3




Simmons First National Corporation
Consolidated Statements of Income
Three Months Ended March 31, 2021 and 2020

 Three Months Ended March 31,
(In thousands, except per share data)20212020
 (Unaudited)
INTEREST INCOME
Loans, including fees$146,424 $187,566 
Interest bearing balances due from banks and federal funds sold798 2,441 
Investment securities21,573 18,943 
Mortgage loans held for sale639 281 
TOTAL INTEREST INCOME169,434 209,231 
INTEREST EXPENSE
Deposits13,179 31,277 
Federal funds purchased and securities sold under agreements to repurchase245 759 
Other borrowings4,802 4,877 
Subordinated notes and debentures4,527 4,835 
TOTAL INTEREST EXPENSE22,753 41,748 
NET INTEREST INCOME146,681 167,483 
Provision for credit losses1,445 23,134 
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES145,236 144,349 
NON-INTEREST INCOME
Trust income6,666 7,151 
Service charges on deposit accounts9,715 13,328 
Other service charges and fees1,922 1,588 
Mortgage lending income6,447 5,046 
SBA lending income240 296 
Investment banking income695 877 
Debit and credit card fees8,964 7,914 
Bank owned life insurance income1,523 1,298 
Gain on sale of securities, net5,471 32,095 
Other income10,260 12,801 
TOTAL NON-INTEREST INCOME51,903 82,394 
NON-INTEREST EXPENSE
Salaries and employee benefits60,340 67,924 
Occupancy expense, net9,300 9,510 
Furniture and equipment expense5,415 5,723 
Other real estate and foreclosure expense343 325 
Deposit insurance1,308 2,475 
Merger related costs233 1,068 
Other operating expenses38,417 41,788 
TOTAL NON-INTEREST EXPENSE115,356 128,813 
INCOME BEFORE INCOME TAXES81,783 97,930 
Provision for income taxes14,363 20,694 
NET INCOME67,420 77,236 
Preferred stock dividends13 13 
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS$67,407 $77,223 
BASIC EARNINGS PER SHARE$0.62 $0.68 
DILUTED EARNINGS PER SHARE$0.62 $0.68 
See Condensed Notes to Consolidated Financial Statements.
4




Simmons First National Corporation
Consolidated Statements of Comprehensive (Loss) Income
Three Months Ended March 31, 2021 and 2020

 Three Months Ended March 31,
(In thousands)20212020
 (Unaudited)
NET INCOME$67,420 $77,236 
OTHER COMPREHENSIVE (LOSS) INCOME
Unrealized holding (losses) gains arising during the period on available-for-sale securities(125,717)55,569 
Less: Reclassification adjustment for realized gains included in net income
5,471 32,095 
Other comprehensive (loss) income, before tax effect(131,188)23,474 
Less: Tax effect of other comprehensive (loss) income(34,286)6,135 
TOTAL OTHER COMPREHENSIVE (LOSS) INCOME(96,902)17,339 
COMPREHENSIVE (LOSS) INCOME$(29,482)$94,575 

See Condensed Notes to Consolidated Financial Statements.
5




Simmons First National Corporation
Consolidated Statements of Cash Flows
Three Months Ended March 31, 2021 and 2020
(In thousands)March 31, 2021March 31, 2020
 (Unaudited)
OPERATING ACTIVITIES  
Net income$67,420 $77,236 
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Depreciation and amortization12,323 11,843 
Provision for credit losses1,445 23,134 
Gain on sale of investments(5,471)(32,095)
Net accretion of investment securities and assets(12,018)(14,975)
Net amortization on borrowings134 136 
Stock-based compensation expense3,852 4,506 
Gain on sale of premises held for sale(177) 
Gain on sale of foreclosed assets held for sale(134)(520)
Gain on sale of mortgage loans held for sale(11,409)(5,843)
Gain on sale of other intangibles (301)
Gain on sale of banking operations(5,300)(5,889)
Deferred income taxes3,227 (1,586)
Income from bank owned life insurance(1,534)(1,800)
Originations of mortgage loans held for sale(298,914)(182,550)
Proceeds from sale of mortgage loans held for sale384,046 196,511 
Changes in assets and liabilities:
Interest receivable1,237 5,058 
Other assets(30,187)1,325 
Accrued interest and other liabilities(20,733)50,643 
Income taxes payable(12,055)(21,221)
Net cash provided by operating activities75,752 103,612 
INVESTING ACTIVITIES
Net change in loans705,540 (49,104)
Proceeds from sale of loans1,847  
Decrease in due from banks - time245 245 
Purchases of premises and equipment, net(2,514)(10,570)
Proceeds from sale of premises held for sale1,572  
Proceeds from sale of foreclosed assets held for sale8,338 2,464 
Proceeds from sale of available-for-sale securities135,651 1,076,858 
Proceeds from maturities of available-for-sale securities185,636 1,255,991 
Purchases of available-for-sale securities(1,464,377)(1,458,730)
Proceeds from maturities of held-to-maturity securities4,426 3,561 
Purchases of held-to-maturity securities(280,043)(16,997)
Proceeds from bank owned life insurance death benefits573 763 
Disposition of assets and liabilities held for sale(134,166)123,610 
Net cash (used in) provided by investing activities(837,272)928,091 
FINANCING ACTIVITIES
Net change in deposits1,192,740 (503,567)
Dividends paid on preferred stock(13)(13)
Dividends paid on common stock(19,500)(19,077)
Net change in other borrowed funds(1,600)99,230 
Net change in federal funds purchased and securities sold under agreements to repurchase23,942 227,714 
Net shares issued (cancelled) under stock compensation plans1,172 (3,063)
Shares issued under employee stock purchase plan1,170 956 
Repurchases of common stock(3,080)(93,307)
Net cash provided by (used in) financing activities1,194,831 (291,127)
INCREASE IN CASH AND CASH EQUIVALENTS433,311 740,576 
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD3,472,152 996,623 
CASH AND CASH EQUIVALENTS, END OF PERIOD$3,905,463 $1,737,199 
See Condensed Notes to Consolidated Financial Statements.
6




Simmons First National Corporation
Consolidated Statements of Stockholders’ Equity
Three Months Ended March 31, 2021 and 2020


(In thousands, except share data)Preferred StockCommon
Stock
SurplusAccumulated
Other
Comprehensive
(Loss) Income
Undivided
Profits
Total
Three Months Ended March 31, 2021
Balance, December 31, 2020$767 $1,081 $2,014,076 $59,726 $901,006 $2,976,656 
Comprehensive (loss) income— — — (96,902)67,420 (29,482)
Stock issued for employee stock purchase plan – 60,697 shares
— 1 1,169 — — 1,170 
Stock-based compensation plans, net – 338,289 shares
— 2 5,022 — — 5,024 
Stock repurchases – 130,916 shares
— (1)(3,079)— — (3,080)
Dividends on preferred stock
— — — — (13)(13)
Dividends on common stock – $0.18 per share
— — — — (19,500)(19,500)
Balance, March 31, 2021 (Unaudited)$767 $1,083 $2,017,188 $(37,176)$948,913 $2,930,775 
Three Months Ended March 31, 2020
Balance, December 31, 2019$767 $1,136 $2,117,282 $20,891 $848,848 $2,988,924 
Impact of ASU 2016-13 adoption— — — — (128,101)(128,101)
Comprehensive income— — — 17,339 77,236 94,575 
Stock issued for employee stock purchase plan – 43,681 shares
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