Company: SFNC
Filing Date: 2025-08-05
Form Type: 10-Q
Source: 0001628280-25-037719
Chunk: 49

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-08-05
Form: 10-Q
Item: Part I, Item 1
Chunk 49
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 345,983 NET INTEREST INCOME171,824 153,905 335,246 305,811 Provision for credit losses11,945 11,099 38,742 21,305 NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES159,879 142,806 296,504 284,506 NONINTEREST INCOMEService charges on deposit accounts12,588 12,252 25,223 24,207 Debit and credit card fees8,567 8,162 17,013 16,408 Wealth management fees9,464 9,187 19,093 17,585 Mortgage lending income1,687 1,973 3,700 4,293 Bank owned life insurance income3,890 3,876 7,982 7,690 Other service charges and fees1,321 1,439 2,654 2,718 Other income4,837 6,410 12,844 13,582 TOTAL NONINTEREST INCOME42,354 43,299 88,509 86,483 NONINTEREST EXPENSESalaries and employee benefits73,862 70,716 148,686 143,369 Occupancy expense, net11,844 11,864 24,495 24,122 Furniture and equipment expense5,474 5,623 10,939 10,764 Other real estate and foreclosure expense216 117 414 296 Deposit insurance4,917 5,682 10,308 12,817 Other operating expenses42,276 45,352 88,327 87,865 TOTAL NONINTEREST EXPENSE138,589 139,354 283,169 279,233 INCOME BEFORE INCOME TAXES63,644 46,751 101,844 91,756 Provision for income taxes8,871 5,988 14,683 12,122 NET INCOME$54,773 $40,763 $87,161 $79,634 BASIC EARNINGS PER SHARE$0.43 $0.32 $0.69 $0.64 DILUTED EARNINGS PER SHARE$0.43 $0.32 $0.69 $0.63