Company: SFNC
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001628280-25-050112
Chunk: 268

Company: SIMMONS FIRST NATIONAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 268
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4 shows changes in interest income and interest expense resulting from changes in both volume and interest rates for the three months ended September 30, 2025 as compared to the three months ended June 30, 2025 and the nine months ended September 30, 2025 and 2024, respectively. The changes in interest rate and volume have been allocated to changes in average volume and changes in average rates in proportion to the relationship of absolute dollar amounts of the changes in rates and volume.

Table 4: Volume/Rate Analysis 

Three Months EndedNine Months EndedSeptember 30, 2025 compared to                       June 30, 2025September 30, 2025 compared to                    September 30, 2024(In thousands, on a fully taxable equivalent basis)VolumeYield/RateTotalVolumeYield/RateTotalIncrease (decrease) in:   Interest income:   Interest bearing balances due from banks and federal funds sold$3,929 $(39)$3,890 $4,796 $(2,036)$2,760 Investment securities - taxable(7,207)5,157 (2,050)(21,465)(5,489)(26,954)Investment securities - non-taxable(11,768)1,768 (10,000)(12,110)1,699 (10,411)Mortgage loans held for sale12 (4)8 54 (33)21 Assets held in trading accounts99 — 99 99 — 99 Loans - including fees(1,106)4,948 3,842 (4,242)(13,822)(18,064)Total(16,041)11,830 (4,211)(32,868)(19,681)(52,549)Interest expense:Interest bearing transaction and savings accounts(1,084)(478)(1,562)3,595 (35,132)(31,537)Time deposits(6,784)(1,383)(8,167)(23,318)(28,952)(52,270)Federal funds purchased and securities sold under agreements to repurchase(20)33 13 (166)(73)(239)Other borrowings(7,634)(22)(7,656)(15,441)(7,016)(22,457)Subordinated notes and debentures720 215 935 792 (2