| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Loans, including fees | 269,210 | 265,373 | 257,755 | 277,939 |
| Interest bearing balances due from banks and federal funds sold | 6,421 | 2,531 | 2,703 | 2,921 |
| Investment securities | 37,464 | 46,898 | 47,257 | 53,220 |
| Mortgage loans held for sale | 229 | 221 | 122 | 209 |
| Assets held in trading accounts | 99 | - | - | - |
| Total interest income | 313,423 | 315,023 | 307,837 | 334,289 |
| Deposits | 116,610 | 126,339 | 130,454 | 152,244 |
| Federal funds purchased and securities sold under agreements to repurchase | 72 | 59 | 113 | 138 |
| Other borrowings | 2,957 | 10,613 | 7,714 | 17,067 |
| Subordinated notes and debentures | 7,123 | 6,188 | 6,134 | 7,128 |
| Total interest expense | 126,762 | 143,199 | 144,415 | 176,577 |
| Net interest income | 186,661 | 171,824 | 163,422 | 157,712 |
| Loans | 15,180 | - | - | - |
| Unfunded commitments | 0 | - | - | - |
| Securities - htm | -3,214 | - | - | - |
| Securities - afs | 0 | - | - | - |
| Provision for credit losses | 11,966 | 11,945 | 26,797 | 12,148 |
| Net interest income after provision for credit losses | 174,695 | 159,879 | 136,625 | 145,564 |
| Non-interest income-Mortgage Loans | - | 1,687 | - | - |
| Non-interest income-Deposit Account | 13,045 | 12,588 | - | - |
| Non-interest income-Financial Service Other | - | 1,321 | - | - |
| Non-interest income-Credit And Debit Card | 8,478 | 8,567 | - | - |
| Non-interest income-Fiduciary And Trust | 9,965 | 9,464 | - | - |
| Non-interest income-Mortgage Loans | 2,259 | - | - | - |
| Bank owned life insurance income | 3,943 | 3,890 | 4,092 | 3,757 |
| Non-interest income | - | - | 34,056 | 33,420 |
| Non-interest income-Financial Service Other | 1,474 | - | - | - |
| Loss on sale of securities, net | -801,492 | - | - | -28,393 |
| Other income | 6,141 | 4,837 | 8,007 | 8,346 |
| Total noninterest income (loss) | -756,187 | 42,354 | 46,155 | 17,130 |
| Salaries and employee benefits | 76,249 | 73,862 | 74,824 | 69,167 |
| Occupancy expense, net | 12,106 | 11,844 | 12,651 | 12,216 |
| Furniture and equipment expense | 5,275 | 5,474 | 5,465 | 5,612 |
| Other real estate and foreclosure expense | 200 | 216 | 198 | 87 |
| Deposit insurance | 5,175 | 4,917 | 5,391 | 5,571 |
| Other operating expenses | 43,027 | 42,276 | 46,051 | 44,540 |
| Total noninterest expense | 142,032 | 138,589 | 144,580 | 137,193 |
| Income (loss) before income taxes | -723,524 | 63,644 | 38,200 | 25,501 |
| Provision (benefit) for income taxes | -160,732 | 8,871 | 5,812 | 761 |
| Net income (loss) | -562,792 | 54,773 | 32,388 | 24,740 |
| Average common shares outstanding (in shares) | 140,234,000 | 125,962,000 | 125,800,000 | 125,538,000 |
| Average diluted common shares (in shares) | 140,649,000 | 126,406,000 | 126,337,000 | 125,999,000 |
| Basic earnings per share (in dollars per share) | -4.01 | 0.43 | 0.26 | 0.2 |
| Diluted earnings per share (in dollars per share) | -4 | 0.43 | 0.26 | 0.2 |
SIMMONS FIRST NATIONAL CORP (SFNC)
SIMMONS FIRST NATIONAL CORP (SFNC)