财务数据和关键指标变化 - 第四季度净息差（NIM）从2.61%提升至2.68%，其中1个基点的提升归因于证券重组交易 [84] - 非利息收入方面，公司通过优化资产负债表和减少高成本批发融资，实现了部分成本节约 [23][68] - 公司预计2024年净息差将有所扩张，主要基于资产重新定价和资产负债表优化 [6][20] 各条业务线数据和关键指标变化 - 贷款业务在第四季度有所增长，尽管农业贷款季节性下降，但整体贷款增长仍然保持 [59] - 存款业务方面，非利息存款（NIBs）在第四季度下降速度放缓，而储蓄账户和货币市场账户表现强劲 [9][60] - 公司通过证券销售和核心存款增长，减少了批发融资的依赖 [101] 各个市场数据和关键指标变化 - 公司在商业存款方面取得了显著增长，特别是在商业客户领域 [60] - 消费者存款保持稳定，尽管第四季度略有下降，主要受季节性消费影响 [60] 公司战略和发展方向和行业竞争 - 公司将继续专注于资产负债表优化和贷款定价，以提升盈利能力 [22][27] - 公司计划在2024年进行股票回购，预计回购金额为1.75亿美元，约占公司市值的7% [40][81] - 公司预计2024年将进行三次利率下调，其中第三次将在年底进行，对全年影响有限 [20][35] 管理层对经营环境和未来前景的评论 - 管理层对净息差的未来扩张持乐观态度，但短期内仍面临存款压力 [6] - 公司预计2024年费用将下降1%至2%，主要得益于“Better Bank”计划的实施 [39] - 管理层对贷款增长持谨慎乐观态度，预计农业贷款将在年初回升 [59] 其他重要信息 - 公司在第四季度完成了证券重组交易，减少了高成本批发融资，预计不会对2024年第一季度产生影响 [68][84] - 公司预计2024年将继续面临行业性盈利压力，但通过优化资产负债表和提升运营效率，有望实现长期盈利目标 [40][82] 问答环节所有的提问和回答 问题: 关于净息差的展望 - 公司预计净息差将在2024年有所扩张，主要基于资产重新定价和资产负债表优化 [6][20] 问题: 关于贷款增长的驱动因素 - 尽管需求放缓，公司通过严格的信贷审批和定价策略，仍实现了贷款管道的扩张 [22][59] 问题: 关于存款业务的展望 - 公司预计非利息存款将在年初触底，而储蓄账户和货币市场账户将继续表现强劲 [9][60] 问题: 关于股票回购计划 - 公司计划在2024年进行1.75亿美元的股票回购，约占公司市值的7% [40][81] 问题: 关于利率下调的影响 - 公司预计2024年将进行三次利率下调，其中第三次将在年底进行，对全年影响有限 [20][35] 问题: 关于费用控制的展望 - 公司预计2024年费用将下降1%至2%，主要得益于“Better Bank”计划的实施 [39]

Contents 3 Company Profile 4 4Q23 Financial Highlights 12 Deposits, Securities, Liquidity, Interest Rate Sensitivity and Capital 18 Loan Portfolio 22 Credit Quality 26 Appendix 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 may not be based on historical facts and should be considered "forward-looking statements" within the meaning ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 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 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Identification No.) FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTI ...

Simmons First National Corporation (NASDAQ:SFNC) Q3 2023 Earnings Conference Call October 24, 2023 10:00 AM ET Company Participants Ed Bilek - Executive Vice President, Director of Investor and Media Relations Bob Fehlman - Chief Executive Officer Jay Brogdon - President and Chief Financial Officer George Makris - Executive Chairman Conference Call Participants Brady Gailey - KBW David Feaster - Raymond James Matt Olney - Stephens Graham Dick - Piper Sandler Gary Tenner - D.A. Davidson Operator Good day and ...

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, 2023 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 Corporation (NASDAQ:SFNC) Q2 2023 Earnings Conference Call July 25, 2023 10:00 AM ET Company Participants Ed Bilek - Executive Vice President, Director of Investor and Media Relations George Makris - Executive Chairman Bob Fehlman - Chief Executive Officer Jay Brogdon - President and Chief Financial Officer Conference Call Participants Brady Gailey - KBW David Feaster - Raymond James Matt Olney - Stephens Gary Tenner - D.A. Davidson Stephen Scouten - Piper Sandler Operator Good day, a ...

Book Value Per Common Share1 CET 1 Capital Ratio 11.9% Share Repurchase Program3(activity in Q2 23) • ~$60M remaining share authorization Loan Portfolio 19 Texas Arkansas Tennessee Missouri Oklahoma Kansas Other Retail (non-owner occupied) By State Texas Arkansas Tennessee Missouri Oklahoma Kansas Other 4 | --- | --- | --- | --- | --- | --- | |----------|-------|-------------|-------|-------|--------| | | | | | | | | | | | | | | | | | | | | | | | | ons Bank as | | | | | | | | | | | | | | | | | | | Appendix ...

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, 2023 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 Corporation (NASDAQ:SFNC) Q1 2023 Earnings Conference Call April 25, 2023 10:00 AM ET Company Participants Edward Bilek - Director of Investor Relations Jay Brogdon - President and Chief Financial Officer Robert Fehlman - Chief Executive Officer Matthew 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 Matt Olney - Stephens Gary Ten ...

Nasdaq: SFNC 1st Quarter 2023 Earnings Presentation 2 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 and capital adequacy. These measures adjust GAAP performance measures to, among other things, include the tax benefit associated with revenue items that are tax‐ ...