Simmons Reports First Quarter Net Income of $22 Million

PINE BLUFF, Ark., April 19, 2017 (GLOBE NEWSWIRE) -- Simmons First National Corp. (NASDAQ:SFNC) today announced net income available to common shareholders of $22.1 million for the first quarter of 2017, a decrease of $1.4 million compared with the same quarter last year. Diluted earnings per share were $0.70, a decrease of $0.07.

Included in first quarter 2017 results were $412,000 in net after-tax merger-related and branch right-sizing costs. Excluding the impact of these items, core earnings were $22.5 million for the quarter and diluted core earnings per share were $0.71.

“We are satisfied with our operating results during the first quarter,” said George A. Makris Jr., chairman and CEO. “We continue to experience excellent loan growth throughout our market. While our core expense control remains relatively stable, our non-interest income experienced some usual seasonal declines along with a softer mortgage market during the first quarter. As we prepare for the $10 billion asset threshold, we have managed to offset most of our increases in audit and regulatory affairs expenses with economies gained because of our size and scale.

“We are excited about our previously announced mergers. As we have indicated, Simmons Bank will enter new and very attractive markets as a result of the Bank SNB and Southwest Bank mergers and will be able to expand in our current markets with the First South Bank merger. We look forward to closing these mergers and integrating these new markets.”

Loans

Total loans, including those acquired, were $5.8 billion at March 31, 2017, an increase of $847 million, or 17.2 percent, compared with the same period in 2016. Legacy loans (all loans excluding acquired loans) grew $1.2 billion, or 33.4 percent. On a linked quarter basis, total loan growth was $144 million, including a seasonal reduction in credit card and agricultural production loans of $22.5 million.

Deposits

At March 31, 2017, total deposits were $6.8 billion, an increase of $709 million, or 11.7 percent, compared with the same period in 2016. Total non-time deposits were $5.5 billion, an increase of $743 million, or 15.5 percent, and comprised 82 percent of total deposits.

Net Interest Income

The company’s net interest income for the first quarter of 2017 was $72.4 million, an increase of $2.1 million, or 3.1 percent, from the same period of 2016. The net interest income was negatively impacted by a $3.7 million decline in yield accretion on acquired loans. Included in interest income was the yield accretion recognized on acquired loans of $4.4 million and $8.1 million for the first quarter of 2017 and 2016, respectively. Net interest margin was 4.04 percent for the quarter ended March 31, 2017, a 37 basis-point decline from the same quarter of 2016. The company’s core net interest margin, excluding the accretion, was 3.80 percent for the first quarter of 2017, a 12 basis-point decline from the same quarter of 2016.

Provision for Loan Losses

Provision for loan losses for the first quarter of 2017 was $4.3 million, an increase of $1.5 million compared with the first quarter of 2016. The provision increase was necessary in order to maintain an appropriate allowance for loan losses for the company’s growing legacy loan portfolio.

Non-Interest Income

Non-interest income for the first quarter was $30.1 million, an increase of $557,000 compared with the first quarter of 2016. The increase in non-interest income was due to additional trust income, service charge income, debit and credit card income resulting from internal growth and as a result of our most recent acquisition.

Non-Interest Expense

Non-interest expense for the first quarter of 2017 was $66.3 million, an increase of $4.5 million compared with the first quarter of 2016. Included in the quarter were $678,000 of merger-related expenses and branch rightsizing costs. Increases in occupancy expenses and other operating expenses are related to our most recent acquisition. The increases in professional services are related to the continued preparations for crossing the $10 billion asset threshold as a result of closing our three pending acquisitions.

Asset Quality

All acquired loans are recorded at their discounted net present value; therefore, they are excluded from the computations of the asset quality ratios for the legacy loan portfolio, except for their inclusion in total assets.

At March 31, 2017, the allowance for loan losses for legacy loans was $37.9 million. The company's allowance for loan losses on legacy loans at March 31, 2017 was 0.82 percent of total loans and 71 percent of non-performing loans. In the legacy portfolio, non-performing loans as a percent of total loans were 1.15 percent.

The allowance for loan losses for acquired loans was $435,000 and the acquired loan discount credit mark was $28.9 million. The allowances for loan losses and credit marks provide a total of $67.2 million of coverage, which equates to a total coverage ratio of 1.2 percent of gross loans. The ratio of credit mark and related allowance to acquired loans was 2.5 percent.

The 2017 annualized net charge-off ratio was 18 basis points. Excluding credit cards, the net charge-off ratio was 11 basis points.

“In February, we executed a sale of 11 substandard loans, which were primarily acquired loans, with a net principal balance of $11 million,” Makris said. “We recognized a loss of $676,000 on this sale. We continually explore options to manage the problem assets remaining from the acquired FDIC and Metropolitan portfolios as well as options to further reduce problem loans and expect to execute additional sales of assets.”

Capital

At March 31, 2017, common stockholders' equity was $1.2 billion, book value per share was $37.30 and tangible book value per share was $24.51. The company's ratio of stockholders' equity to total assets was 13.6 percent and its ratio of tangible common equity to tangible assets was 9.4 percent.

Simmons First National Corporation

Simmons First National Corp. is a financial holding company, headquartered in Pine Bluff, Ark., with total assets of $8.6 billion conducting financial operations throughout Arkansas, Kansas, Missouri and Tennessee. The company through its subsidiaries offers comprehensive financial solutions delivered with a client-centric approach. The company’s common stock trades on the NASDAQ Global Select Market under the symbol “SFNC.”

Conference Call

Management will conduct a live conference call to review this information beginning at 11 a.m. CDT on Thursday, Apr. 20, 2017. Interested persons can listen to this call by dialing toll-free 1-866-298-7926 (United States and Canada only) and asking for the Simmons First National Corp. conference call, conference ID 2974437. In addition, the call will be available live or in recorded version on the company’s website at www.simmonsbank.com.

Non-GAAP Financial Measures

This press release contains financial information determined by methods other than in accordance with generally accepted accounting principles (GAAP). The company’s management uses these non-GAAP financial measures in their analysis of the company’s performance. These measures typically adjust GAAP performance measures to include the tax benefit associated with revenue items that are tax-exempt, as well as adjust income available to common shareholders for certain significant non-core activities or nonrecurring transactions. Since the presentation of these GAAP performance measures and their impact differ between companies, management believes presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the company’s core businesses. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in the tables of this release.

Forward-Looking Statements

Statements in this news release that are not historical facts should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Any forward-looking statement speaks only as of the date of this news release, and we undertake no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date of this news release. By nature, forward-looking statements involve inherent risk and uncertainties. Various factors, including, but not limited to, economic conditions, credit quality, interest rates, loan demand and changes in the assumptions used in making the forward-looking statements, could cause actual results to differ materially from those contemplated by the forward-looking statements. Additional information on factors that might affect Simmons First National Corp.’s financial results is included in its Form 10-K filing with the Securities and Exchange Commission.

Simmons First National Corporation													SFNC
Consolidated End of Period Balance Sheets
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2017			2016			2016			2016			2016
($ in thousands)
ASSETS
Cash and non-interest bearing balances due from banks	$	103,875		$	117,007		$	112,572		$	96,037		$	118,468
Interest bearing balances due from banks		201,406			168,652			324,951			151,570			100,593
Federal funds sold		-			-			17,000			3,000			4,000
Cash and cash equivalents		305,281			285,659			454,523			250,607			223,061
Interest bearing balances due from banks - time		4,563			4,563			4,393			9,781			11,188
Investment securities - held-to-maturity		431,176			462,096			496,594			632,154			674,502
Investment securities - available-for-sale		1,257,813			1,157,354			1,024,206			821,372			857,673
Mortgage loans held for sale		9,754			27,788			28,069			30,529			24,563
Assets held in trading accounts		55			41			2,969			7,321			7,074
Loans:
Legacy loans		4,632,905			4,327,207			3,943,089			3,725,422			3,472,691
Allowance for loan losses		(37,865	)		(36,286	)		(34,094	)		(33,523	)		(32,681	)
Loans acquired (net of discount and allowance)
Net loans		5,739,331			5,596,604			5,367,193			4,980,334			4,897,380
Premises and equipment		221,880			199,359			192,523			183,362			192,327
Premises held for sale		4,611			6,052			6,732			6,167			2,364
Foreclosed assets		26,421			26,895			30,396			30,529			41,126
Interest receivable		26,089			27,788			27,390			24,150			23,545
Bank owned life insurance		139,439			138,620			138,298			130,943			130,092
Goodwill		350,035			348,505			348,769			327,686			327,686
Other intangible assets		51,408			52,959			54,268			50,329			51,783
Other assets		58,782			65,773			50,669			48,955			72,589
Total assets	$	8,626,638		$	8,400,056		$	8,226,992		$	7,534,219		$	7,536,953

LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits:
Non-interest bearing transaction accounts	$	1,554,675		$	1,491,676		$	1,473,420		$	1,283,426		$	1,274,816
Interest bearing transaction accounts and savings deposits		3,987,730			3,956,483			3,815,939			3,538,808			3,524,808
Time deposits less than $100,000		653,538			686,780			653,105			643,081			674,915
Time deposits greater than $100,000		592,345			600,280			674,917			562,888			605,236
Total deposits		6,788,288			6,735,219			6,617,381			6,028,203			6,079,775
Federal funds purchased and securities sold
under agreements to repurchase		110,007			115,029			124,289			103,038			97,429
Other borrowings		441,074			273,159			215,276			191,827			176,829
Subordinated debentures		60,503			60,397			60,290			60,184			60,077
Accrued interest and other liabilities		55,877			65,141			62,615			60,256			50,859
Total liabilities		7,455,749			7,248,945			7,079,851			6,443,508			6,464,969

Stockholders' equity:
Preferred stock		-			-			-			-			-
Common stock		314			313			313			304			303
Surplus		716,564			711,976			710,132			668,306			665,850
Undivided profits		468,309			454,034			434,579			417,863			402,265
Accumulated other comprehensive income (loss):
Unrealized appreciation (depreciation) on AFS securities		(14,298	)		(15,212	)		2,117			4,238			3,566
Total stockholders' equity		1,170,889			1,151,111			1,147,141			1,090,711			1,071,984
Total liabilities and stockholders' equity	$	8,626,638		$	8,400,056		$	8,226,992		$	7,534,219		$	7,536,953

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Simmons First National Corporation									SFNC
Consolidated Statements of Income - Quarter-to-Date
For the Quarters Ended	Mar 31		Dec 31		Sep 30		Jun 30		Mar 31
(Unaudited)	2017		2016		2016		2016		2016
($ in thousands, except per share data)
INTEREST INCOME
Loans	$	68,728	$	70,887	$	65,078	$	63,009	$	66,678
Federal funds sold		5		11		19		17		10
Investment securities		9,451		8,700		7,774		8,499		8,506
Mortgage loans held for sale		126		230		299		295		278
Assets held in trading accounts		-		3		4		3		6
Interest bearing balances due from banks		117		234		244		77		144
TOTAL INTEREST INCOME		78,427		80,065		73,418		71,900		75,622
INTEREST EXPENSE
Time deposits		2,015		2,023		1,767		1,741		1,636
Other deposits		2,189		2,032		1,965		2,035		2,018
Federal funds purchased and securities
sold under agreements to repurchase		75		90		59		59		65
Other borrowings		1,194		1,034		1,048		938		1,128
Subordinated debentures		574		558		516		544		543
TOTAL INTEREST EXPENSE		6,047		5,737		5,355		5,317		5,390
NET INTEREST INCOME		72,380		74,328		68,063		66,583		70,232
Provision for loan losses		4,307		4,332		8,294		4,616		2,823
NET INTEREST INCOME AFTER PROVISION
FOR LOAN LOSSES		68,073		69,996		59,769		61,967		67,409
NON-INTEREST INCOME
Trust income		4,212		4,282		3,873		3,656		3,631
Service charges on deposit accounts		8,102		8,666		8,771		7,661		7,316
Other service charges and fees		2,197		4,026		3,261		2,718		2,867
Mortgage and SBA lending income		2,423		4,580		4,339		4,730		2,834
Investment banking income		690		472		1,131		1,181		687
Debit and credit card fees		7,934		8,027		7,825		7,688		7,200
Bank owned life insurance income		818		895		606		826		997
Gain on sale of securities, net		63		1,445		315		3,759		329
Other income		3,621		3,722		6,755		4,669		3,642
TOTAL NON-INTEREST INCOME		30,060		36,115		36,876		36,888		29,503
NON-INTEREST EXPENSE
Salaries and employee benefits		35,536		33,797		31,784		33,103		34,773
Occupancy expense, net		4,663		4,516		4,690		4,990		4,471
Furniture and equipment expense		4,443		4,387		4,272		4,077		3,947
Other real estate and foreclosure expense		589		679		1,849		967		966
Deposit insurance		680		89		1,136		1,096		1,148
Merger-related costs		524		2,846		1,524		372		93
Other operating expenses		19,887		20,411		17,179		19,532		16,391
TOTAL NON-INTEREST EXPENSE		66,322		66,725		62,434		64,137		61,789
NET INCOME BEFORE INCOME TAXES		31,811		39,386		34,211		34,718		35,123
Provision for income taxes		9,691		12,415		10,782		11,809		11,618
NET INCOME		22,120		26,971		23,429		22,909		23,505
Preferred stock dividends		-		-		-		-		24
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$	22,120	$	26,971	$	23,429	$	22,909	$	23,481
BASIC EARNINGS PER SHARE	$	0.71	$	0.86	$	0.77	$	0.75	$	0.77
DILUTED EARNINGS PER SHARE	$	0.70	$	0.85	$	0.76	$	0.75	$	0.77

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Simmons First National Corporation													SFNC
Consolidated Risk-Based Capital
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2017			2016			2016			2016			2016
($ in thousands)
Tier 1 capital
Stockholders' equity	$	1,170,889		$	1,151,111		$	1,147,141		$	1,090,711		$	1,071,984
Trust preferred securities, net allowable		60,503			60,397			60,290			60,184			60,077
Disallowed intangible assets, net of deferred tax		(361,944	)		(354,028	)		(354,582	)		(334,395	)		(335,166	)
Unrealized loss (gain) on AFS securities		14,298			15,212			(2,117	)		(4,238	)		(3,566	)
Other		-			15			-			-			-
Total Tier 1 capital		883,746			872,707			850,732			812,262			793,329

Tier 2 capital
Qualifying allowance for loan losses and
reserve for unfunded commitments		41,303			40,241			38,050			37,240			36,398
Total Tier 2 capital		41,305			40,241			38,050			37,240			36,398
Total risk-based capital	$	925,051		$	912,948		$	888,782		$	849,502		$	829,727

Common equity
Tier 1 capital	$	883,746		$	872,707		$	850,732		$	812,262		$	793,329
Less: Trust preferred securities		(60,503	)		(60,397	)		(60,290	)		(60,184	)		(60,077	)
Total common equity	$	823,243		$	812,310		$	790,442		$	752,078		$	733,252

Risk weighted assets	$	6,425,150		$	6,039,034		$	5,724,052		$	5,343,355		$	5,293,395

Adjusted average assets for leverage ratio	$	8,076,525		$	7,966,681		$	7,355,702		$	7,185,633		$	7,167,839

Ratios at end of quarter
Equity to assets		13.57	%		13.70	%		13.94	%		14.48	%		14.22	%
Tangible common equity to tangible assets (1)		9.35	%		9.37	%		9.51	%		9.96	%		9.68	%
Common equity Tier 1 ratio (CET1)		12.81	%		13.45	%		13.81	%		14.08	%		13.85	%
Tier 1 leverage ratio		10.94	%		10.95	%		11.57	%		11.30	%		11.07	%
Tier 1 risk-based capital ratio		13.75	%		14.45	%		14.86	%		15.20	%		14.99	%
Total risk-based capital ratio		14.40	%		15.12	%		15.53	%		15.90	%		15.67	%


(1) Calculations of tangible common equity to tangible assets and the reconciliations to GAAP are included in the schedules accompanying this release.

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Simmons First National Corporation									SFNC
Consolidated Loans and Investments
For the Quarters Ended	Mar 31		Dec 31		Sep 30		Jun 30		Mar 31
(Unaudited)	2017		2016		2016		2016		2016
($ in thousands)
Legacy Loan Portfolio - End of Period⁽¹⁾
Consumer
Credit cards	$	171,947	$	184,591	$	175,032	$	171,468	$	167,803
Other consumer		349,200		303,972		275,947		248,018		227,480
Total consumer		521,147		488,563		450,979		419,486		395,283
Real Estate
Construction		365,051		336,759		304,082		330,666		300,042
Single-family residential		957,717		904,245		841,958		785,289		746,754
Other commercial		1,959,677		1,787,075		1,521,132		1,414,663		1,327,372
Total real estate		3,282,445		3,028,079		2,667,172		2,530,618		2,374,168
Commercial
Commercial		657,606		639,525		607,738		577,771		551,695
Agricultural		141,125		150,378		203,529		187,047		143,033
Total commercial		798,731		789,903		811,267		764,818		694,728
Other		30,582		20,662		13,671		10,500		8,512
Total Loans	$	4,632,905	$	4,327,207	$	3,943,089	$	3,725,422	$	3,472,691

(1) Excludes all acquired loans.

Investment Securities - End of Period
Held-to-Maturity
U.S. Government agencies	$	68,895	$	76,875	$	80,849	$	199,505	$	223,484
Mortgage-backed securities		18,743		19,773		21,454		22,612		23,734
State and political subdivisions		341,854		362,532		391,495		407,273		424,586
Other securities		1,684		2,916		2,796		2,765		2,698
Total held-to-maturity		431,176		462,096		496,594		632,155		674,502
Available-for-Sale
U.S. Treasury	$	-	$	300	$	63,985	$	4,305	$	4,302
U.S. Government agencies		142,356		137,771		148,781		58,113		78,308
Mortgage-backed securities		927,277		868,324		699,748		652,425		722,982
State and political subdivisions		130,747		102,943		67,019		64,836		11,260
FHLB stock		19,149		12,235		11,235		8,781		7,838
Other securities		38,285		35,781		33,438		32,911		32,983
Total available-for-sale		1,257,814		1,157,354		1,024,206		821,371		857,673
Total investment securities	$	1,688,990	$	1,619,450	$	1,520,800	$	1,453,526	$	1,532,175
Fair value - HTM investment securities	$	435,701	$	465,960	$	508,910	$	647,293	$	686,835

Investment Securities - QTD Average
Taxable securities	$	1,185,794	$	1,146,703	$	963,150	$	1,059,802	$	1,067,302
Tax exempt securities		455,481		467,757		466,782		443,492		439,370
Total investment securities - QTD average	$	1,641,275	$	1,614,460	$	1,429,932	$	1,503,294	$	1,506,672

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Simmons First National Corporation													SFNC
Consolidated Loans and Credit Coverage
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2017			2016			2016			2016			2016
($ in thousands)
LOANS
Legacy loans	$	4,632,905		$	4,327,207		$	3,943,089		$	3,725,422		$	3,472,691
Allowance for loan losses (legacy loans)		(37,865	)		(36,286	)		(34,094	)		(33,523	)		(32,681	)
Legacy loans (net of allowance)		4,595,040			4,290,921			3,908,995			3,691,899			3,440,010
Loans acquired		1,173,667			1,342,099			1,502,051			1,327,683			1,503,482
Credit discount		(28,941	)		(35,462	)		(42,899	)		(38,294	)		(45,158	)
Allowance for loan losses (loans acquired)		(435	)		(954	)		(954	)		(954	)		(954	)
Loans acquired (net of discount and allowance)		1,144,291			1,305,683			1,458,198			1,288,435			1,457,370
Net loans	$	5,739,331		$	5,596,604		$	5,367,193		$	4,980,334		$	4,897,380


Loan Coverage Ratios
Allowance for loan losses to legacy loans		0.82	%		0.84	%		0.86	%		0.90	%		0.94	%

Discount for credit losses and allowance on loans acquired
to total loans acquired plus discount for credit losses
and allowance on loans acquired (non-GAAP) (1)		2.50	%		2.71	%		2.92	%		2.96	%		3.07	%

Total allowance and credit coverage (non-GAAP) (1)		1.16	%		1.28	%		1.43	%		1.44	%		1.58	%


(1) Calculations of the non-GAAP loan coverage ratios and the reconciliations to GAAP are included in the schedules accompanying this release.


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Simmons First National Corporation													SFNC
Consolidated Allowance and Asset Quality
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2017			2016			2016			2016			2016
($ in thousands)
Allowance for Loan Losses (Legacy Loans)
Balance, beginning of quarter	$	36,286		$	34,094		$	33,523		$	32,681		$	31,351
Loans charged off
Credit cards		1,044			935			699			702			859
Other consumer		1,174			493			600			489			393
Real estate		656			167			6,297			824			229
Commercial		292			913			284			2,283			476
Total loans charged off		3,166			2,508			7,880			4,298			1,957

Recoveries of loans previously charged off
Credit cards		236			213			199			253			242
Other consumer		690			158			106			149			103
Real estate		232			73			55			111			112
Commercial		30			28			12			318			7
Total recoveries		1,188			472			372			831			464
Net loans charged off		1,978			2,036			7,508			3,467			1,493
Provision for loan losses		3,557			4,228			8,079			4,309			2,823
Balance, end of quarter	$	37,865		$	36,286		$	34,094		$	33,523		$	32,681

Non-performing assets^{(1) (2)}
Non-performing loans
Nonaccrual loans		52,913			39,104			37,392			43,305			34,244
Loans past due 90 days or more		231			299			144			227			881
Total non-performing loans		53,144			39,403			37,536			43,532			35,125
Other non-performing assets
Foreclosed assets held for sale ⁽²⁾		26,421			26,895			30,396			30,529			41,126
Other non-performing assets		352			471			621			519			256
Total other non-performing assets		26,773			27,366			31,017			31,048			41,382
Total non-performing assets	$	79,917		$	66,769		$	68,553		$	74,580		$	76,507
Performing TDRs (troubled debt restructurings)	$	10,833		$	10,998		$	13,604		$	10,887		$	10,759

Ratios^{(1) (2)}
Allowance for loan losses to total loans		0.82	%		0.84	%		0.86	%		0.90	%		0.94	%
Allowance for loan losses to non-performing loans		71	%		92	%		91	%		77	%		93	%
Non-performing loans to total loans		1.15	%		0.91	%		0.95	%		1.17	%		1.01	%
Non-performing assets (including performing TDRs)
to total assets		1.05	%		0.93	%		1.00	%		1.13	%		1.16	%
Non-performing assets to total assets		0.93	%		0.79	%		0.83	%		0.99	%		1.02	%
Annualized net charge offs to total loans		0.18	%		0.20	%		0.82	%		0.39	%		0.18	%
Annualized net credit card charge offs to
total credit card loans		1.84	%		1.66	%		1.14	%		1.07	%		1.46	%
Annualized net charge offs to total loans
(excluding credit cards)		0.11	%		0.14	%		0.81	%		0.36	%		0.11	%

(1) Excludes all acquired loans, except for their inclusion in total assets.
(2) Includes acquired foreclosed assets held for sale.
Page 6

Simmons First National Corporation																	SFNC
Consolidated - Average Balance Sheet and Net Interest Income Analysis
For the Quarters Ended
(Unaudited)
	Three Months Ended Mar 2017						Three Months Ended Dec 2016						Three Months Ended Mar 2016
($ in thousands)	Average Balance		Income/ Expense		Yield/ Rate		Average Balance		Income/ Expense		Yield/ Rate		Average Balance		Income/ Expense		Yield/ Rate
ASSETS
Earning assets:
Interest bearing balances due from banks	$	131,079	$	117	0.36	%	$	243,396	$	234	0.38	%	$	167,381	$	144	0.35	%
Federal funds sold		249		5	8.14	%		5,381		11	0.81	%		1,839		10	2.19	%
Investment securities - taxable		1,292,441		6,477	2.03	%		1,236,864		5,681	1.83	%		1,076,855		5,311	1.98	%
Investment securities - non-taxable (FTE)		348,834		4,884	5.68	%		377,596		4,959	5.22	%		429,817		5,249	4.91	%
Mortgage loans held for sale		11,473		126	4.45	%		23,307		230	3.93	%		26,616		278	4.20	%
Assets held in trading accounts		48		-	0.00	%		1,774		3	0.67	%		5,196		6	0.46	%
Loans, including acquired loans		5,685,585		68,783	4.91	%		5,484,918		70,941	5.15	%		4,889,685		66,708	5.49	%
Total interest earning assets (FTE)		7,469,709		80,392	4.36	%		7,373,236		82,059	4.43	%		6,597,389		77,706	4.74	%
Non-earning assets		944,761						935,222						901,796
Total assets	$	8,414,470					$	8,308,458					$	7,499,185

LIABILITIES AND STOCKHOLDERS' EQUITY
Interest bearing liabilities:
Interest bearing transaction and
savings accounts	$	3,950,169	$	2,189	0.22	%	$	3,895,367	$	2,032	0.21	%	$	3,484,571	$	2,018	0.23	%
Time deposits		1,262,430		2,015	0.65	%		1,292,961		2,023	0.62	%		1,303,614		1,636	0.50	%
Total interest bearing deposits		5,212,599		4,204	0.33	%		5,188,328		4,055	0.31	%		4,788,185		3,654	0.31	%
Federal funds purchased and securities
sold under agreement to repurchase		111,474		75	0.27	%		124,323		90	0.29	%		113,551		65	0.23	%
Other borrowings		345,664		1,194	1.40	%		203,615		1,034	2.02	%		184,000		1,128	2.47	%
Subordinated debentures		60,452		574	3.85	%		60,345		558	3.68	%		60,109		543	3.63	%
Total interest bearing liabilities		5,730,189		6,047	0.43	%		5,576,611		5,737	0.41	%		5,145,845		5,390	0.42	%
Non-interest bearing liabilities:
Non-interest bearing deposits		1,466,501						1,515,853						1,225,311
Other liabilities		51,307						59,061						53,240
Total liabilities		7,247,997						7,151,525						6,424,396
Stockholders' equity		1,166,473						1,156,933						1,074,789
Total liabilities and stockholders' equity	$	8,414,470					$	8,308,458					$	7,499,185
Net interest income (FTE)			$	74,345					$	76,322					$	72,316
Net interest spread (FTE)					3.93	%					4.02	%					4.32	%
Net interest margin (FTE) - quarter-to-date					4.04	%					4.12	%					4.41	%

Net interest margin (FTE) - year-to-date					4.04	%					4.19	%					4.41	%

Core net interest margin (FTE) - quarter-to-date (1)					3.80	%					3.76	%					3.92	%
Core loan yield (FTE) - quarter-to-date (1)					4.59	%					4.67	%					4.82	%

Core net interest margin (FTE) - year-to-date (1)					3.80	%					3.83	%					3.92	%
Core loan yield (FTE) - year-to-date (1)					4.59	%					4.72	%					4.82	%

(1) Calculations of core net interest margin and core loan yield and the reconciliations to GAAP are included in the schedules accompanying this release.
Page 7

Simmons First National Corporation													SFNC
Consolidated - Selected Financial Data
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2017			2016			2016			2016			2016
($ in thousands, except share data)
QUARTER-TO-DATE
Financial Highlights - GAAP
Net Income	$	22,120		$	26,971		$	23,429		$	22,909		$	23,481
Diluted earnings per share		0.70			0.85			0.76			0.75			0.77
Return on average assets		1.07	%		1.29	%		1.21	%		1.22	%		1.26	%
Return on average common equity		7.69	%		9.27	%		8.36	%		8.48	%		8.87	%
Return on tangible common equity		12.22	%		14.71	%		13.26	%		13.52	%		14.30	%
Net interest margin (FTE)		4.04	%		4.12	%		4.08	%		4.14	%		4.41	%
FTE adjustment		1,965			1,994			1,969			1,675			2,084
Amortization of intangibles		1,550			1,533			1,503			1,451			1,455
Amortization of intangibles, net of taxes		942			932			913			882			884
Average diluted shares outstanding		31,612,900			31,592,713			30,843,714			30,452,285			30,481,604
Cash dividends declared per common share		0.25			0.24			0.24			0.24			0.24
Financial Highlights - Core (non-GAAP)
Core earnings (excludes non-core items) (1)	$	22,532		$	28,751		$	24,382		$	25,091		$	23,185
Diluted core earnings per share (1)		0.71			0.91			0.79			0.82			0.76
Core net interest margin (FTE) (2)		3.80	%		3.76	%		3.79	%		3.86	%		3.92	%
Efficiency ratio (1)		60.92	%		55.47	%		53.94	%		57.33	%		58.73	%
Core return on average assets (1)		1.09	%		1.38	%		1.26	%		1.34	%		1.24	%
Core return on average common equity (1)		7.83	%		9.89	%		8.71	%		9.29	%		8.75	%
Core return on tangible common equity (1)		12.44	%		15.65	%		13.78	%		14.76	%		14.13	%
YEAR-TO-DATE
Financial Highlights - GAAP
Net Income	$	22,120		$	96,790		$	69,819		$	46,390		$	23,481
Diluted earnings per share		0.70			3.13			2.28			1.52			0.77
Return on average assets		1.07	%		1.25	%		1.23	%		1.24	%		1.26	%
Return on average common equity		7.69	%		8.75	%		8.57	%		8.67	%		8.87	%
Return on tangible common equity		12.22	%		13.92	%		13.68	%		13.90	%		14.30	%
Net interest margin (FTE)		4.04	%		4.19	%		4.21	%		4.28	%		4.41	%
FTE adjustment		1,965			7,722			5,728			3,759			2,084
Amortization of intangibles		1,550			5,942			4,409			2,906			1,455
Amortization of intangibles, net of taxes		942			3,611			2,679			1,766			884
Average diluted shares outstanding		31,612,900			30,963,546			30,656,882			30,438,939			30,481,604
Cash dividends declared per common share		0.25			0.96			0.72			0.48			0.24
Financial Highlights - Core (non-GAAP)
Core earnings (excludes non-core items) (1)	$	22,532		$	101,409		$	72,658		$	48,276		$	23,185
Diluted core earnings per share (1)		0.71			3.28			2.37			1.59			0.76
Core net interest margin (FTE) (2)		3.80	%		3.83	%		3.86	%		3.89	%		3.92	%
Efficiency ratio (1)		60.92	%		56.32	%		56.62	%		58.03	%		58.73	%
Core return on average assets (1)		1.09	%		1.31	%		1.28	%		1.29	%		1.24	%
Core return on average common equity (1)		7.83	%		9.17	%		8.91	%		9.02	%		8.75	%
Core return on tangible common equity (1)		12.44	%		14.56	%		14.22	%		14.45	%		14.13	%
END OF PERIOD
Book value per share	$	37.30		$	36.80		$	36.69		$	35.86		$	35.35
Tangible book value per share		24.51			23.97			23.80			23.43			22.84
Shares outstanding		31,388,357			31,277,723			31,267,614			30,415,980			30,324,499
Full-time equivalent employees		1,876			1,875			1,985			1,880			1,931
Total number of ATM's		187			186			186			174			185
Total number of financial centers		151			150			150			140			149

(1) Core earnings exclude non-core items, which is a non-GAAP measurement. Reconciliations to GAAP are included in the schedules accompanying this release.

(2) Excludes accretable yield adjustment on loans, which is a non-GAAP measurement. Reconciliations to GAAP are included in the schedules accompanying this release.
Page 8

Simmons First National Corporation													SFNC
Consolidated - Reconciliation of Core Earnings (non-GAAP)
For the Quarters Ended	Mar 31			Dec 31			Sep 30			Jun 30			Mar 31
(Unaudited)	2017			2016			2016			2016			2016
($ in thousands, except per share data)
QUARTER-TO-DATE
Net Income	$	22,120		$	26,971		$	23,429		$	22,909		$	23,481
Non-core items
Gain from early retirement of trust preferred securities		-			-			-			-			(594	)
Merger-related costs		524			2,846			1,524			372			93
Branch right-sizing		154			83			43			3,219			14
Tax effect ⁽¹⁾		(266	)		(1,149	)		(614	)		(1,409	)		191
Net non-core items		412			1,780			953			2,182			(296	)
Core earnings (non-GAAP)	$	22,532		$	28,751		$	24,382		$	25,091		$	23,185

Diluted earnings per share	$	0.70		$	0.85		$	0.76		$	0.75		$	0.77
Non-core items
Gain from early retirement of trust preferred securities		-			-			-			-			(0.02	)
Merger-related costs		0.02			0.09			0.05			0.01			-
Branch right-sizing		-			-			-			0.11			-
Tax effect ⁽¹⁾		(0.01	)		(0.03	)		(0.02	)		(0.05	)		0.01
Net non-core items		0.01			0.06			0.03			0.07			(0.01	)
Core earnings (non-GAAP)	$	0.71		$	0.91		$	0.79		$	0.82		$	0.76

YEAR-TO-DATE
Net Income	$	22,120		$	96,790		$	69,819		$	46,390		$	23,481
Non-core items
Gain from early retirement of trust preferred securities		-			(594	)		(594	)		(594	)		(594	)
Merger-related costs		524			4,835			1,989			465			93
Branch right-sizing		154			3,359			3,276			3,233			14
Tax effect ⁽¹⁾		(266	)		(2,981	)		(1,832	)		(1,218	)		191
Net non-core items		412			4,619			2,839			1,886			(296	)
Core earnings (non-GAAP)	$	22,532		$	101,409		$	72,658		$	48,276		$	23,185

Diluted earnings per share	$	0.70		$	3.13		$	2.28		$	1.52		$	0.77
Non-core items
Gain from early retirement of trust preferred securities		-			(0.02	)		(0.02	)		(0.02	)		(0.02	)
Merger-related costs		0.02			0.16			0.06			0.02			-
Branch right-sizing		-			0.11			0.11			0.11			-
Tax effect ⁽¹⁾		(0.01	)		(0.10	)		(0.06	)		(0.04	)		0.01
Net non-core items		0.01			0.15			0.09			0.07			(0.01	)
Core earnings (non-GAAP)	$	0.71		$	3.28		$	2.37		$	1.59		$	0.76

(1) Effective tax rate of 39.225%, adjusted for non-deductible merger-related costs.

Page 9

Simmons First National Corporation													SFNC
Reconciliation Of Non-GAAP Financial Measures - End of Period
For the Quarters Ended
(Unaudited)	Mar 31			Dec 31			Sept 30			Jun 30			Mar 31
	2017			2016			2016			2016			2016
($ in thousands, except per share data)

Calculation of Tangible Common Equity and the Ratio of Tangible Common Equity to Tangible Assets

Total stockholders' equity	$	1,170,889		$	1,151,111		$	1,147,141		$	1,090,711		$	1,071,984
Preferred stock		-			-			-			-			-
Total common stockholders' equity		1,170,889			1,151,111			1,147,141			1,090,711			1,071,984
Intangible assets:
Goodwill		(350,035	)		(348,505	)		(348,769	)		(327,686	)		(327,686	)
Other intangible assets		(51,408	)		(52,959	)		(54,268	)		(50,329	)		(51,783	)
Total intangibles		(401,443	)		(401,464	)		(403,037	)		(378,015	)		(379,469	)
Tangible common stockholders' equity	$	769,446		$	749,647		$	744,104		$	712,696		$	692,515

Total assets	$	8,626,638		$	8,400,056		$	8,226,992		$	7,534,219		$	7,536,953
Intangible assets:
Goodwill		(350,035	)		(348,505	)		(348,769	)		(327,686	)		(327,686	)
Other intangible assets		(51,408	)		(52,959	)		(54,268	)		(50,329	)		(51,783	)
Total intangibles		(401,443	)		(401,464	)		(403,037	)		(378,015	)		(379,469	)
Tangible assets	$	8,225,195		$	7,998,592		$	7,823,955		$	7,156,204		$	7,157,484

Ratio of equity to assets		13.57	%		13.70	%		13.94	%		14.48	%		14.22	%
Ratio of tangible common equity to tangible assets		9.35	%		9.37	%		9.51	%		9.96	%		9.68	%

Calculation of Discount for credit losses and allowance on loans acquired to total loans acquired plus
discount for credit losses and allowance on loans acquired

Credit discount on acquired loans	$	28,941		$	35,462		$	42,899		$	38,294		$	45,158
Allowance for loan losses on acquired loans		435			954			954			954			954
Total credit discount and ALLL on acquired loans	$	29,376		$	36,416		$	43,853		$	39,248		$	46,112
Total loans acquired	$	1,173,667		$	1,342,099		$	1,502,051		$	1,327,683		$	1,503,482
Discount and ALLL on acquired loans to acquired loans		2.50	%		2.71	%		2.92	%		2.96	%		3.07	%

Calculation of Total Allowance and Credit Coverage

Allowance for loan losses	$	37,865		$	36,286		$	34,094		$	33,523		$	32,681
Total credit discount and ALLL on acquired loans		29,376			36,416			43,853			39,248			46,112
Total allowance and credit discount	$	67,241		$	72,702		$	77,947		$	72,771		$	78,793
Total loans	$	5,806,572		$	5,669,306		$	5,445,140		$	5,053,105		$	4,976,173
Total allowance and credit coverage		1.16	%		1.28	%		1.43	%		1.44	%		1.58	%

Calculation of Tangible Book Value per Share

Total common stockholders' equity	$	1,170,889		$	1,151,111		$	1,147,141		$	1,090,711		$	1,071,984
Intangible assets:
Goodwill		(350,035	)		(348,505	)		(348,769	)		(327,686	)		(327,686	)
Other intangible assets		(51,408	)		(52,959	)		(54,268	)		(50,329	)		(51,783	)
Total intangibles		(401,443	)		(401,464	)		(403,037	)		(378,015	)		(379,469	)
Tangible common stockholders' equity	$	769,446		$	749,647		$	744,104		$	712,696		$	692,515
Shares of common stock outstanding		31,388,357			31,277,723			31,267,614			30,415,980			30,324,499
Book value per common share	$	37.30		$	36.80		$	36.69		$	35.86		$	35.35
Tangible book value per common share	$	24.51		$	23.97		$	23.80		$	23.43		$	22.84

Page 10

Simmons First National Corporation													SFNC
Reconciliation Of Non-GAAP Financial Measures - Quarter-to-Date
For the Quarters Ended
(Unaudited)	Mar 31			Dec 31			Sept 30			Jun 30			Mar 31
	2017			2016			2016			2016			2016
($ in thousands)
Calculation of Core Return on Average Assets

Net income available to common stockholders	$	22,120		$	26,971		$	23,429		$	22,909		$	23,481
Net non-core items, net of taxes, adjustment		412			1,780			953			2,182			(296	)
Core earnings	$	22,532		$	28,751		$	24,382		$	25,091		$	23,185

Average total assets	$	8,414,470		$	8,308,458		$	7,703,837		$	7,522,133		$	7,499,185

Return on average assets		1.07	%		1.29	%		1.21	%		1.22	%		1.26	%
Core return on average assets		1.09	%		1.38	%		1.26	%		1.34	%		1.24	%

Calculation of Return on Tangible Common Equity

Net income available to common stockholders	$	22,120		$	26,971		$	23,429		$	22,909		$	23,481
Amortization of intangibles, net of taxes		942			932			913			882			884
Total income available to common stockholders	$	23,062		$	27,903		$	24,342		$	23,791		$	24,365

Net non-core items, net of taxes		412			1,780			953			2,182			(296	)
Core earnings		22,532			28,751			24,382			25,091			23,185
Amortization of intangibles, net of taxes		942			932			913			882			884
Total core income available to common stockholders	$	23,474		$	29,683		$	25,295		$	25,973		$	24,069

Average common stockholders' equity	$	1,166,473		$	1,156,933		$	1,114,252		$	1,086,618		$	1,065,296
Average intangible assets:
Goodwill		(348,837	)		(348,597	)		(332,893	)		(327,686	)		(327,686	)
Other intangibles		(52,169	)		(53,646	)		(50,893	)		(51,043	)		(52,498	)
Total average intangibles		(401,006	)		(402,243	)		(383,786	)		(378,729	)		(380,184	)
Average tangible common stockholders' equity	$	765,467		$	754,690		$	730,466		$	707,889		$	685,112

Return on average common equity		7.69	%		9.27	%		8.36	%		8.48	%		8.87	%
Return on tangible common equity		12.22	%		14.71	%		13.26	%		13.52	%		14.30	%
Core return on average common equity		7.83	%		9.89	%		8.71	%		9.29	%		8.75	%
Core return on tangible common equity		12.44	%		15.65	%		13.78	%		14.76	%		14.13	%

Calculation of Efficiency Ratio *(1)*

Non-interest expense	$	66,322		$	66,725		$	62,434		$	64,137		$	61,789
Non-core non-interest expense adjustment		(635	)		(2,995	)		(1,742	)		(3,591	)		(107	)
Other real estate and foreclosure expense adjustment		(550	)		(669	)		(1,787	)		(967	)		(966	)
Amortization of intangibles adjustment		(1,550	)		(1,533	)		(1,503	)		(1,451	)		(1,455	)
Efficiency ratio numerator	$	63,587		$	61,528		$	57,402		$	58,128		$	59,261

Net-interest income	$	72,380		$	74,328		$	68,063		$	66,583		$	70,232
Non-interest income		30,060			36,115			36,876			36,888			29,503
Non-core non-interest income adjustment		43			(66	)		(175	)		-			(594	)
Fully tax-equivalent adjustment		1,965			1,994			1,969			1,675			2,084
(Gain) loss on sale of securities		(63	)		(1,445	)		(315	)		(3,759	)		(329	)
Efficiency ratio denominator	$	104,385		$	110,926		$	106,418		$	101,387		$	100,896

Efficiency ratio (1)		60.92	%		55.47	%		53.94	%		57.33	%		58.73	%

Calculation of Core Net Interest Margin

Net interest income	$	72,380		$	74,328		$	68,063		$	66,583		$	70,232
Fully tax-equivalent adjustment		1,965			1,994			1,969			1,675			2,084
Fully tax-equivalent net interest income		74,345			76,322			70,032			68,258			72,316

Total accretable yield		(4,427	)		(6,552	)		(4,928	)		(4,700	)		(8,077	)
Core net interest income	$	69,918		$	69,770		$	65,104		$	63,558		$	64,239
Average earning assets	$	7,469,709		$	7,373,236		$	6,825,019		$	6,625,642		$	6,597,389

Net interest margin		4.04	%		4.12	%		4.08	%		4.14	%		4.41	%
Core net interest margin		3.80	%		3.76	%		3.79	%		3.86	%		3.92	%

Calculation of Core Loan Yield

Loan interest income	$	68,728		$	70,887		$	65,078		$	63,009		$	66,678
Total accretable yield		(4,427	)		(6,552	)		(4,928	)		(4,700	)		(8,077	)
Core loan interest income	$	64,301		$	64,335		$	60,150		$	58,309		$	58,601
Average loan balance	$	5,685,585		$	5,484,918		$	5,105,474		$	4,957,888		$	4,889,685

Core loan yield		4.59	%		4.67	%		4.69	%		4.73	%		4.82	%

(1) Efficiency ratio is noninterest expense before foreclosed property expense and amortization of intangibles as a percent of net interest income (fully
taxable equivalent) and noninterest revenues, excluding gains and losses from securities transactions and non-core items.

Page 11

Simmons First National Corporation													SFNC
Reconciliation Of Non-GAAP Financial Measures - Year-to-Date
For the Quarters Ended
(Unaudited)	Mar 31			Dec 31			Sept 30			Jun 30			Mar 31
	2017			2016			2016			2016			2016
($ in thousands)
Calculation of Core Return on Average Assets

Net income available to common stockholders	$	22,120		$	96,790		$	69,819		$	46,390		$	23,481
Net non-core items, net of taxes, adjustment		412			4,619			2,839			1,886			(296	)
Core earnings	$	22,532		$	101,409		$	72,658		$	48,276		$	23,185

Average total assets	$	8,414,470		$	7,760,233		$	7,575,053		$	7,510,657		$	7,499,185

Return on average assets		1.07	%		1.25	%		1.23	%		1.24	%		1.26	%
Core return on average assets		1.09	%		1.31	%		1.28	%		1.29	%		1.24	%

Calculation of Return on Tangible Common Equity

Net income available to common stockholders	$	22,120		$	96,790		$	69,819		$	46,390		$	23,481
Amortization of intangibles, net of taxes		942			3,611			2,679			1,766			884
Total income available to common stockholders	$	23,062		$	100,401		$	72,498		$	48,156		$	24,365

Net non-core items, net of taxes		412			4,619			2,839			1,886			(296	)
Core earnings		22,532			101,409			72,658			48,276			23,185
Amortization of intangibles, net of taxes		942			3,611			2,679			1,766			884
Total core income available to common stockholders	$	23,474		$	105,020		$	75,337		$	50,042		$	24,069

Average common stockholders' equity	$	1,166,473		$	1,105,775		$	1,088,723		$	1,075,957		$	1,065,296
Average intangible assets:
Goodwill		(348,837	)		(332,974	)		(329,422	)		(327,686	)		(327,686	)
Other intangibles		(52,169	)		(51,710	)		(51,478	)		(51,771	)		(52,498	)
Total average intangibles		(401,006	)		(384,684	)		(380,900	)		(379,457	)		(380,184	)
Average tangible common stockholders' equity	$	765,467		$	721,091		$	707,823		$	696,500		$	685,112

Return on average common equity		7.69	%		8.75	%		8.57	%		8.67	%		8.87	%
Return on tangible common equity		12.22	%		13.92	%		13.68	%		13.90	%		14.30	%
Core return on average common equity		7.83	%		9.17	%		8.91	%		9.02	%		8.75	%
Core return on tangible common equity		12.44	%		14.56	%		14.22	%		14.45	%		14.13	%

Calculation of Efficiency Ratio *(1)*

Non-interest expense	$	66,322		$	255,085		$	188,360		$	125,931		$	61,789
Non-core non-interest expense adjustment		(635	)		(8,435	)		(5,440	)		(3,698	)		(107	)
Other real estate and foreclosure expense adjustment		(550	)		(4,389	)		(3,720	)		(1,934	)		(966	)
Amortization of intangibles adjustment		(1,550	)		(5,942	)		(4,409	)		(2,906	)		(1,455	)
Efficiency ratio numerator	$	63,587		$	236,319		$	174,791		$	117,393		$	59,261

Net-interest income	$	72,380		$	279,206		$	204,878		$	136,814		$	70,232
Non-interest income		30,060			139,382			103,267			66,397			29,503
Non-core non-interest income adjustment		43			(835	)		(769	)		(594	)		(594	)
Fully tax-equivalent adjustment		1,965			7,722			5,728			3,759			2,084
(Gain) loss on sale of securities		(63	)		(5,848	)		(4,403	)		(4,088	)		(329	)
Efficiency ratio denominator	$	104,385		$	419,627		$	308,701		$	202,288		$	100,896

Efficiency ratio (1)		60.92	%		56.32	%		56.62	%		58.03	%		58.73	%

Calculation of Core Net Interest Margin

Net interest income	$	72,380		$	279,206		$	204,878		$	136,814		$	70,232
Fully tax-equivalent adjustment		1,965			7,722			5,728			3,759			2,084
Fully tax-equivalent net interest income		74,345			286,928			210,606			140,573			72,316

Total accretable yield		(4,427	)		(24,257	)		(17,705	)		(12,777	)		(8,077	)
Core net interest income	$	69,918		$	262,671		$	192,901		$	127,796		$	64,239
Average earning assets	$	7,469,709		$	6,855,322		$	6,682,683		$	6,611,516		$	6,597,389

Net interest margin		4.04	%		4.19	%		4.21	%		4.28	%		4.41	%
Core net interest margin		3.80	%		3.83	%		3.86	%		3.89	%		3.92	%

Calculation of Core Loan Yield

Loan interest income	$	68,728		$	265,652		$	194,765		$	129,688		$	66,678
Total accretable yield		(4,427	)		(24,257	)		(17,705	)		(12,777	)		(8,077	)
Core loan interest income	$	64,301		$	241,395		$	177,060		$	116,911		$	58,601
Average loan balance	$	5,685,585		$	5,109,492		$	4,984,349		$	4,923,787		$	4,889,685

Core loan yield		4.59	%		4.72	%		4.75	%		4.77	%		4.82	%

(1) Efficiency ratio is noninterest expense before foreclosed property expense and amortization of intangibles as a percent of net interest income (fully
taxable equivalent) and noninterest revenues, excluding gains and losses from securities transactions and non-core items.

Page 12

Simmons Reports First Quarter Net Income of $22 Million

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