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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, 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-20220630_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, 2022, was 128,317,550.




Simmons First National Corporation
Quarterly Report on Form 10-Q
June 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
June 30, 2022 and December 31, 2021
June 30,December 31,
(In thousands, except share data)20222021
 (Unaudited) 
ASSETS  
Cash and non-interest bearing balances due from banks$193,473 $209,190 
Interest bearing balances due from banks and federal funds sold771,374 1,441,463 
Cash and cash equivalents964,847 1,650,653 
Interest bearing balances due from banks - time1,535 1,882 
Investment securities:
Held-to-maturity, net of allowance for credit losses of $1,381 and $1,279 at June 30, 2022 and December 31, 2021, respectively
3,819,682 1,529,221 
Available-for-sale, at estimated fair value (amortized cost of $4,730,178 and $7,130,861 at June 30, 2022 and December 31, 2021, respectively)
4,341,647 7,113,545 
Total investments8,161,329 8,642,766 
Mortgage loans held for sale14,437 36,356 
Other loans held for sale16,375 100 
Loans15,110,344 12,012,503 
Allowance for credit losses on loans(212,611)(205,332)
Net loans14,897,733 11,807,171 
Premises and equipment553,062 483,469 
Foreclosed assets and other real estate owned4,084 6,032 
Interest receivable82,332 72,990 
Bank owned life insurance486,355 445,305 
Goodwill1,310,528 1,146,007 
Other intangible assets137,285 106,235 
Other assets588,707 325,793 
Total assets$27,218,609 $24,724,759 
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits:
Non-interest bearing transaction accounts$6,057,186 $5,325,318 
Interest bearing transaction accounts and savings deposits12,816,198 11,588,770 
Time deposits3,162,479 2,452,460 
Total deposits22,035,863 19,366,548 
Federal funds purchased and securities sold under agreements to repurchase155,101 185,403 
Other borrowings1,060,244 1,337,973 
Subordinated notes and debentures421,693 384,131 
Accrued interest and other liabilities285,813 201,863 
Total liabilities23,958,714 21,475,918 
Stockholders’ equity:
Common stock, Class A, $0.01 par value; 350,000,000 and 175,000,000 shares authorized at June 30, 2022 and December 31, 2021, respectively; 128,787,764 and 112,715,444 shares issued and outstanding at June 30, 2022 and December 31, 2021, respectively
1,288 1,127 
Surplus2,569,060 2,164,989 
Undivided profits1,139,975 1,093,270 
Accumulated other comprehensive loss(450,428)(10,545)
Total stockholders’ equity3,259,895 3,248,841 
Total liabilities and stockholders’ equity$27,218,609 $24,724,759 

See Condensed Notes to Consolidated Financial Statements.
3




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

 Three Months Ended June 30,Six Months Ended
June 30,
(In thousands, except per share data)2022202120222021
 (Unaudited)(Unaudited)
INTEREST INCOME
Loans, including fees$165,641 $138,804 $292,817 $285,228 
Interest bearing balances due from banks and federal funds sold1,117 651 1,766 1,449 
Investment securities37,848 27,128 71,560 48,701 
Mortgage loans held for sale200 386 390 1,025 
TOTAL INTEREST INCOME204,806 166,969 366,533 336,403 
INTEREST EXPENSE
Deposits9,754 10,782 16,571 23,961 
Federal funds purchased and securities sold under agreements to repurchase119 192 187 437 
Other borrowings4,844 4,897 9,623 9,699 
Subordinated notes and debentures4,990 4,565 9,447 9,092 
TOTAL INTEREST EXPENSE19,707 20,436 35,828 43,189 
NET INTEREST INCOME185,099 146,533 330,705 293,214 
Provision for credit losses33,859 (12,951)13,945 (11,506)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES151,240 159,484 316,760 304,720 
NON-INTEREST INCOME
Wealth management fees7,214 7,892 15,182 15,253 
Service charges on deposit accounts11,379 10,050 22,075 19,765 
Other service charges and fees1,871 2,048 3,508 3,970 
Mortgage lending income2,240 4,490 6,790 10,937 
Debit and credit card fees8,224 7,073 15,673 13,683 
Bank owned life insurance income2,563 2,038 5,269 3,561 
Gain (loss) on sale of securities, net(150)5,127 (204)10,598 
Other income6,837 8,397 14,103 18,897 
TOTAL NON-INTEREST INCOME40,178 47,115 82,396 96,664 
NON-INTEREST EXPENSE
Salaries and employee benefits74,135 60,261 142,041 120,601 
Occupancy expense, net11,004 9,103 21,027 18,403 
Furniture and equipment expense5,104 4,859 9,879 10,274 
Other real estate and foreclosure expense142 863 485 1,206 
Deposit insurance2,812 1,687 4,650 2,995 
Merger related costs19,133 686 21,019 919 
Other operating expenses44,483 37,198 86,129 73,261 
TOTAL NON-INTEREST EXPENSE156,813 114,657 285,230 227,659 
INCOME BEFORE INCOME TAXES34,605 91,942 113,926 173,725 
Provision for income taxes7,151 17,018 21,377 31,381 
NET INCOME27,454 74,924 92,549 142,344 
Preferred stock dividends 13  26 
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS$27,454 $74,911 $92,549 $142,318 
BASIC EARNINGS PER SHARE$0.21 $0.69 $0.77 $1.31 
DILUTED EARNINGS PER SHARE$0.21 $0.69 $0.77 $1.31 
See Condensed Notes to Consolidated Financial Statements.
4




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


 Three Months Ended
June 30,
Six Months Ended June 30,
(In thousands)2022202120222021
 (Unaudited)(Unaudited)
NET INCOME$27,454 $74,924 $92,549 $142,344 
OTHER COMPREHENSIVE INCOME (LOSS)
Unrealized holding gains (losses) arising during the period on available-for-sale securities21,333 71,801 (444,375)(53,916)
Less: Reclassification adjustment for realized (loss) gains included in net income(150)5,127 (204)10,598 
Less: Realized loss on available-for-sale securities interest rate hedges(22,832) (60,031) 
Net unrealized losses on securities transferred from available for sale to held to maturity during the period(206,682) (206,682) 
Less: Accretion of net unrealized losses on securities transferred from available-for-sale to held-to-maturity4,785  4,701  
Other comprehensive income (loss), before tax effect(167,152)66,674 (595,523)(64,514)
Less: Tax effect of other comprehensive income (loss)(43,685)17,425 (155,640)(16,861)
TOTAL OTHER COMPREHENSIVE INCOME (LOSS)(123,467)49,249 (439,883)(47,653)
COMPREHENSIVE INCOME (LOSS)$(96,013)$124,173 $(347,334)$94,691 

See Condensed Notes to Consolidated Financial Statements.
5



Simmons First National Corporation
Consolidated Statements of Cash Flows
Six Months Ended June 30, 2022 and 2021
(In thousands)June 30, 2022June 30, 2021
 (Unaudited)
OPERATING ACTIVITIES  
Net income$92,549 $142,344 
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Depreciation and amortization24,230 23,837 
Provision for credit losses13,945 (11,506)
(Gain) loss on sale of investments204 (10,598)
Net accretion of investment securities and assets(24,494)(24,377)
Net amortization on borrowings192 269 
Stock-based compensation expense8,164 7,592 
Gain on sale of premises and equipment, net of impairment (606)
Gain on sale of foreclosed assets and other real estate owned(290)(177)
Gain on sale of mortgage loans held for sale(4,333)(20,006)
Gain on sale of loans(228) 
Gain on sale of branches (5,300)
Deferred income taxes917 6,315 
Income from bank owned life insurance(5,269)(3,630)
Originations of mortgage loans held for sale(329,833)(534,124)
Proceeds from sale of mortgage loans held for sale356,085 655,497 
Changes in assets and liabilities:
Interest receivable(1,547)4,680 
Other assets(10,064)(2,402)
Accrued interest and other liabilities57,874 (58,284)
Income taxes payable(245)6,786 
Net cash provided by operating activities177,857 176,310 
INVESTING ACTIVITIES
Net change in loans(835,002)1,520,504 
Proceeds from sale of loans15,556 1,847 
Net change in due from banks - time347 244 
Purchases of premises and equipment, net(17,000)(5,829)
Proceeds from sale of premises and equipment 5,156 
Proceeds from sale of foreclosed assets and other real estate owned2,819 10,988 
Proceeds from sale of available-for-sale securities 249,454 
Proceeds from maturities of available-for-sale securities762,094 314,547 
Purchases of available-for-sale securities(259,586)(3,672,029)
Proceeds from maturities of held-to-maturity securities30,848 9,479 
Purchases of held-to-maturity securities(329,660)(606,187)
Purchases of bank owned life insurance death benefits (160,000)
Proceeds from bank owned life insurance death benefits 3,032 
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(353,188)(2,462,960)
FINANCING ACTIVITIES
Net change in deposits(49,701)1,307,965 
Dividends paid on preferred stock (26)
Dividends paid on common stock(45,844)(39,010)
Net change in other borrowed funds(315,778)(2,874)
Net change in federal funds purchased and securities sold under agreements to repurchase(30,302)(111,896)
Net shares issued (cancelled) under stock compensation plans(3,905)1,373 
Shares issued under employee stock purchase plan1,151 1,170 
Repurchases of common stock(66,096)(3,080)
Net cash (used in) provided by financing activities(510,475)1,153,622 
DECREASE IN CASH AND CASH EQUIVALENTS(685,806)(1,133,028)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD1,650,653 3,472,152 
CASH AND CASH EQUIVALENTS, END OF PERIOD$964,847 $2,339,124 
See Condensed Notes to Consolidated Financial Statements.
6




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

(In thousands, except share data)Preferred StockCommon
Stock
SurplusAccumulated
Other
Comprehensive
(Loss) Income
Undivided
Profits
Total
Three Months Ended June 30, 2022
Balance, March 31, 2022 (Unaudited)$ $1,125 $2,150,453 $(326,961)$1,136,990 $2,961,607 
Comprehensive (loss) income— — — (123,467)27,454 (96,013)
Stock-based compensation plans, net – 42,459 shares
— — 3,893 — — 3,893 
Stock issued for Spirit acquisition - 18,275,074 shares
— 183 464,735 — — 464,918 
Stock repurchases – 2,035,324 shares
— (20)(50,021)— — (50,041)
Dividends on common stock – $0.19 per share
— — — — (24,469)(24,469)
Balance, June 30, 2022 (Unaudited)$ $1,288 $2,569,060 $(450,428)$1,139,975 $3,259,895 
Three Months Ended June 30, 2021
Balance, March 31, 2021 (Unaudited)$767 $1,083 $2,017,188 $(37,176)$948,913 $2,930,775 
Comprehensive income— — — 49,249 74,924 124,173 
Stock-based compensation plans, net – 40,937 shares
— 1 3,940 — — 3,941 
Dividends on preferred stock— — — — (13)(13)
Dividends on common stock – $0.18 per share
— — — — (19,510)(19,510)