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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 September 30, 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
sfnc-20220930_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 November 2, 2022, was 126,969,648.




Simmons First National Corporation
Quarterly Report on Form 10-Q
September 30, 2022

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
September 30, 2022 and December 31, 2021
September 30,December 31,
(In thousands, except share data)20222021
 (Unaudited) 
ASSETS  
Cash and noninterest bearing balances due from banks$175,547 $209,190 
Interest bearing balances due from banks and federal funds sold503,863 1,441,463 
Cash and cash equivalents679,410 1,650,653 
Interest bearing balances due from banks - time1,290 1,882 
Investment securities:
Held-to-maturity, net of allowance for credit losses of $1,384 and $1,279 at September 30, 2022 and December 31, 2021, respectively
3,787,076 1,529,221 
Available-for-sale, at estimated fair value (amortized cost of $4,484,131 and $7,130,861 at September 30, 2022 and December 31, 2021, respectively)
3,937,543 7,113,545 
Total investments7,724,619 8,642,766 
Mortgage loans held for sale12,759 36,356 
Other loans held for sale2,292 100 
Loans15,607,135 12,012,503 
Allowance for credit losses on loans(197,589)(205,332)
Net loans15,409,546 11,807,171 
Premises and equipment549,932 483,469 
Foreclosed assets and other real estate owned3,612 6,032 
Interest receivable86,637 72,990 
Bank owned life insurance488,364 445,305 
Goodwill1,309,000 1,146,007 
Other intangible assets133,059 106,235 
Other assets675,554 325,793 
Total assets$27,076,074 $24,724,759 
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits:
Noninterest bearing transaction accounts$6,218,283 $5,325,318 
Interest bearing transaction accounts and savings deposits12,103,994 11,588,770 
Time deposits3,826,415 2,452,460 
Total deposits22,148,692 19,366,548 
Federal funds purchased and securities sold under agreements to repurchase168,513 185,403 
Other borrowings964,772 1,337,973 
Subordinated notes and debentures365,951 384,131 
Accrued interest and other liabilities270,995 201,863 
Total liabilities23,918,923 21,475,918 
Stockholders’ equity:
Common stock, Class A, $0.01 par value; 350,000,000 and 175,000,000 shares authorized at September 30, 2022 and December 31, 2021, respectively; 126,943,467 and 112,715,444 shares issued and outstanding at September 30, 2022 and December 31, 2021, respectively
1,269 1,127 
Surplus2,527,153 2,164,989 
Undivided profits1,196,459 1,093,270 
Accumulated other comprehensive loss(567,730)(10,545)
Total stockholders’ equity3,157,151 3,248,841 
Total liabilities and stockholders’ equity$27,076,074 $24,724,759 

See Condensed Notes to Consolidated Financial Statements.
3




Simmons First National Corporation
Consolidated Statements of Income
Three and Nine Months Ended September 30, 2022 and 2021

 Three Months Ended September 30,Nine Months Ended
September 30,
(In thousands, except per share data)2022202120222021
 (Unaudited)(Unaudited)
INTEREST INCOME
Loans, including fees$187,347 $132,216 $478,101 $417,444 
Interest bearing balances due from banks and federal funds sold1,141 763 2,907 2,212 
Investment securities40,954 30,717 112,514 79,418 
Mortgage loans held for sale178 230 568 1,255 
Other loans held for sale998  3,061  
TOTAL INTEREST INCOME230,618 163,926 597,151 500,329 
INTEREST EXPENSE
Deposits25,429 9,116 42,000 33,077 
Federal funds purchased and securities sold under agreements to repurchase305 70 492 507 
Other borrowings6,048 4,893 15,671 14,592 
Subordinated notes and debentures5,251 4,610 14,698 13,702 
TOTAL INTEREST EXPENSE37,033 18,689 72,861 61,878 
NET INTEREST INCOME193,585 145,237 524,290 438,451 
Provision for credit losses103 (19,890)14,048 (31,396)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES193,482 165,127 510,242 469,847 
NONINTEREST INCOME
Service charges on deposit accounts12,560 11,557 34,635 31,322 
Debit and credit card fees7,685 7,102 23,358 20,785 
Wealth management fees8,562 7,877 23,744 23,130 
Mortgage lending income2,593 5,818 9,383 16,755 
Bank owned life insurance income2,902 2,573 8,171 6,134 
Other service charges and fees2,085 1,964 5,593 5,934 
Gain (loss) on sale of securities, net(22)5,248 (226)15,846 
Other income6,658 6,411 20,761 25,308 
TOTAL NONINTEREST INCOME43,023 48,550 125,419 145,214 
NONINTEREST EXPENSE
Salaries and employee benefits71,923 61,902 213,964 182,503 
Occupancy expense, net11,674 9,361 32,701 27,764 
Furniture and equipment expense5,394 4,895 15,273 15,169 
Other real estate and foreclosure expense168 339 653 1,545 
Deposit insurance3,278 1,870 7,928 4,865 
Merger related costs1,422 1,401 22,441 2,320 
Other operating expenses45,084 34,565 131,213 107,826 
TOTAL NONINTEREST EXPENSE138,943 114,333 424,173 341,992 
INCOME BEFORE INCOME TAXES97,562 99,344 211,488 273,069 
Provision for income taxes16,959 18,770 38,336 50,151 
NET INCOME80,603 80,574 173,152 222,918 
Preferred stock dividends 13  39 
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS$80,603 $80,561 $173,152 $222,879 
BASIC EARNINGS PER SHARE$0.63 $0.75 $1.41 $2.06 
DILUTED EARNINGS PER SHARE$0.63 $0.74 $1.40 $2.05 
See Condensed Notes to Consolidated Financial Statements.
4




Simmons First National Corporation
Consolidated Statements of Comprehensive Income (Loss)
Three and Nine Months Ended September 30, 2022 and 2021


 Three Months Ended
September 30,
Nine Months Ended September 30,
(In thousands)2022202120222021
 (Unaudited)(Unaudited)
NET INCOME$80,603 $80,574 $173,152 $222,918 
OTHER COMPREHENSIVE INCOME (LOSS)
Unrealized holding losses arising during the period on available-for-sale securities(195,540)(41,398)(639,915)(95,313)
Less: Reclassification adjustment for realized (losses) gains included in net income(22)5,248 (226)15,846 
Less: Realized losses on available-for-sale securities interest rate hedges(41,412)(13,722)(101,443)(13,722)
Net unrealized gains (losses) on securities transferred from available for sale to held to maturity during the period 1,106 (206,682)1,106 
Less: Accretion of net unrealized losses on securities transferred from available-for-sale to held-to-maturity4,700  9,401  
Other comprehensive loss, before tax effect(158,806)(31,818)(754,329)(96,331)
Less: Tax effect of other comprehensive loss(41,504)(8,316)(197,144)(25,176)
TOTAL OTHER COMPREHENSIVE INCOME (LOSS)(117,302)(23,502)(557,185)(71,155)
COMPREHENSIVE INCOME (LOSS)$(36,699)$57,072 $(384,033)$151,763 

See Condensed Notes to Consolidated Financial Statements.
5



Simmons First National Corporation
Consolidated Statements of Cash Flows
Nine Months Ended September 30, 2022 and 2021
(In thousands)September 30, 2022September 30, 2021
 (Unaudited)
OPERATING ACTIVITIES  
Net income$173,152 $222,918 
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Depreciation and amortization36,660 35,396 
Provision for credit losses14,048 (31,396)
(Gain) loss on sale of investments226 (15,846)
Net accretion of investment securities and assets(32,531)(36,929)
Net amortization on borrowings274 404 
Stock-based compensation expense11,475 12,591 
Gain on sale of premises and equipment, net of impairment (591)
Gain on sale of foreclosed assets and other real estate owned(424)(76)
Gain on sale of mortgage loans held for sale(7,187)(29,222)
Gain on sale of loans(282) 
Gain on sale of branches (5,316)
Deferred income taxes2,924 3,585 
Income from bank owned life insurance(8,189)(6,229)
Loss from early retirement of TruPS365  
Originations of mortgage loans held for sale(436,477)(752,480)
Proceeds from sale of mortgage loans held for sale467,261 884,452 
Changes in assets and liabilities:
Interest receivable(5,852)4,191 
Other assets(18,712)(22,677)
Accrued interest and other liabilities34,850 (41,674)
Income taxes payable(5,373)(1,199)
Net cash provided by operating activities226,208 219,902 
INVESTING ACTIVITIES
Net change in loans(1,344,441)2,056,058 
Proceeds from sale of loans51,856 26,472 
Net change in due from banks - time592 (201)
Purchases of premises and equipment, net(25,757)(36,832)
Proceeds from sale of premises and equipment 5,621 
Proceeds from sale of foreclosed assets and other real estate owned3,476 14,594 
Proceeds from sale of available-for-sale securities 342,577 
Proceeds from maturities of available-for-sale securities974,625 559,259 
Purchases of available-for-sale securities(261,375)(4,786,533)
Proceeds from maturities of held-to-maturity securities60,215 13,804 
Purchases of held-to-maturity securities(329,660)(694,734)
Purchases of bank owned life insurance death benefits (160,000)
Proceeds from bank owned life insurance death benefits1,873 3,814 
Disposition of assets and liabilities held for sale (134,166)
Purchase of Spirit of Texas Bancshares, Inc.
276,396  
Net cash used in investing activities(592,200)(2,790,267)
FINANCING ACTIVITIES
Net change in deposits63,128 1,075,422 
Repayments of TruPS(56,189) 
Dividends paid on preferred stock (39)
Dividends paid on common stock(69,963)(58,319)
Net change in other borrowed funds(411,250)(3,482)
Net change in federal funds purchased and securities sold under agreements to repurchase(16,890)(81,835)
Net shares issued (cancelled) under stock compensation plans(4,105)1,222 
Shares issued under employee stock purchase plan1,151 1,170 
Repurchases of common stock(111,133)(54,513)
Net cash (used in) provided by financing activities(605,251)879,626 
DECREASE IN CASH AND CASH EQUIVALENTS(971,243)(1,690,739)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD1,650,653 3,472,152 
CASH AND CASH EQUIVALENTS, END OF PERIOD$679,410 $1,781,413 
See Condensed Notes to Consolidated Financial Statements.
6




Simmons First National Corporation
Consolidated Statements of Stockholders’ Equity
Three Months Ended September 30, 2022 and 2021

(In thousands, except share data)Preferred StockCommon
Stock
SurplusAccumulated
Other
Comprehensive
(Loss) Income
Undivided
Profits
Total
Three Months Ended September 30, 2022
Balance, June 30, 2022 (Unaudited)$ $1,288 $2,569,060 $(450,428)$1,139,975 $3,259,895 
Comprehensive (loss) income— — — (117,302)80,603 (36,699)
Stock-based compensation plans, net – 39,416 shares
— — 3,111 — — 3,111 
Stock repurchases – 1,883,713 shares
— (19)(45,018)— — (45,037)
Dividends on common stock – $0.19 per share
— — — — (24,119)(24,119)
Balance, September 30, 2022 (Unaudited)$ $1,269 $2,527,153 $(567,730)$1,196,459 $3,157,151 
Three Months Ended September 30, 2021
Balance, June 30, 2021 (Unaudited)$767 $1,084 $2,021,128 $12,073 $1,004,314 $3,039,366 
Comprehensive (loss) income— — — (23,502)80,574 57,072 
Stock-based compensation plans, net – 22,767 shares
— — 4,848 — — 4,848 
Stock repurchases – 1,806,205 shares
— (18)(51,415)— — (51,433)
Dividends on preferred stock— — — — (