Simmons First National Corporation · NASDAQ:SFNC
Simmons First National — Shareholder Meeting (April 2017)
23 slides from Simmons First National's shareholder meeting presentation, Apr 19, 2017
Slide 1: 2017 Shareholder Meeting
2017 Shareholder Meeting
Slide 2: Forward-Looking Statements and Non-GAAP Financial Measures
Forward-Looking Statements and Non-GAAP Financial Measures Certain statements contained in this presentation may not be based on historical facts and are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21€ of the Securities Exchan
Slide 3: @1G! ei ¢
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Slide 4: Pine Bluff Simmons First Foundation
i0 FORWARB> PINE BLUFF Simmons First Foundation
Slide 5: 2016 In Review
2016 In Review
Slide 6: Strong Regulatory Capital
STRONG REGULATORY CAPITAL
Slide 7: Strong Asset Quality
STRONG ASSET QUALITY Consistently Outpertorming Our Peers SFNC ALL U.S. BANKS. 2 Nonperforming Loans % as a % of Loans! % Net Charge-Offs as a % of Average Loans % Net Credit Card 9 Charge-Offs as a % of % Credit Card Portfolio Includes troubled-debt restructures ? Legacy loans: excluding all acquir
Slide 8: Total Asset Growth
LIONS OF DOLLARS TOTAL ASSET GROWTH 2012 2013 2014 2015 2016
Slide 9: Earnings Growth
$101,409,000 EARNINGS GROWTH MILLIONS OF DOLLARS core tnangs “Core earings” and “diluted core eamings per share” are financial measures that exclude non-core items such as items related to branch right sizing and merger related costs. We believe these non-GAAP financial measures provide a meaningful
Slide 10: Dividend History
$100 =) $20 —| sso | sao s20—| DIVIDEND HISTORY 2016 Annual Dividend Yield: (Based on 12/3/16 stock price)
Slide 11: 1-Year and 3-Year Total Shareholder Return
1-YEAR' TOTAL 3-YEAR? TOTAL SHAREHOLDER RETURN? SHAREHOLDER RETURN? (Potent 2c orien) Oowand Stok Aareiton) 0 1.0 wane wa seve 70% Situs eakindere 230% Fes. eakindere 2 \ 0 ty df co / * z { ; i i i 2 f K evil 3 3 AW H FH nw \ at WW si a iY | arson al aay ° yar Va Ve “0 tects morse i some ore Dect ov
Slide 12: Market Capitalization
MILLIONS OF DOLLARS MARKET CAPITALIZATION
Slide 13: Overview of Citizens National (Athens, TN)
Overview of Citizens National (Athens, TN) Citizens National Footprint =F z = z Headquarters Athens, TN : bares Year Established 1908 es Branches 9 ars exe nent CEO (Age) Paul G. Willson (64) Che 7; : mao Total Assets $552,288, ~ 2 Sey 2 Total Loans 356,554 “sar Seal = “0 Deposits 472,240 = foe loan
Slide 14: Simmons First National Corporation Pro Forma Footprint
7 Simmons First National Corporation Pro Forma Footprint
Slide 15: Overview of First South Bank (Jackson, TN - Hardeman)
Overview of First South Bank (Jackson, TN - Hardeman) Hardeman Footprint eee ©. ne L mate = mn id “9 Overview + Founded in 1903 + Headquartered in Jackson, TN + Operates 10 branches in West Tennessee * Insurance, investments and commercial and agricultural lending lines of business FINANCIAL HIGHLIG
Slide 16: Overview of Bank SNB (Stillwater, OK - OKSB)
Overview of Bank SNB (Stillwater, OK - OKSB) OKSB Footprint Overview a is a = "Founded in 1894 (Bank SNB) "Headquartered in Stillwater, OK = Operates 31 branches throughout Colorado, Kansas, Oklahoma and Texas o "Offers commercial and consumer lending, deposit services, specialized cash management a
Slide 17: Overview of Southwest Bank (Fort Worth, TX - First Texas)
Overview of Southwest Bank (Fort Worth, TX - First Texas) SWB Footprint Overview ae Mckinney. ete Fitco pa - on use The Colony Lentqvile Pidno Wyte od Troy Cl Giroltges Cie Garland %€ Quel Goiveity parm, Rowlt steve Beatord | ining x Beis reute tty Mri OSS @o Duncgaie Syowle, e mn m Maes Scoahe vill
Slide 18: Attractive & Diverse Regional Footprint
Attractive & Diverse Regional Footprint Southwest Missouri and Arkansas Tennessee * Footprint concentrated in high + Stable core deposit markets + Strong presence stretching growth metropolitan areas as Bea cieta Retainer ail across Tennessee = Deposit market share rank of #10 in OK = ‘Gepost market
Slide 19: 2017 & Beyond
2017 & Beyond
Slide 20: Preparing for $10 Billion in Assets
Preparing for $10 Billion in Assets * Regulatory Cost ¢ Durbin Amendment Cost [ne
Slide 21: Regulatory Cost
Regulatory Cost (Audit and Compliance) * 2015 total cost $4.1 million * 2016 total cost $7.0 million * 2017 total cost $9.3 million (projected) (does not include pending or future acquisitions) [ne
Slide 22: Durbin Amendment Cost
Durbin Amendment Cost (Debit Card Interchange) * 2017 projected total cost SO * 2018 projected total cost $6 million * 2019 projected total cost $12 million (= a elec
Slide 23: 2017 Shareholder Meeting
2017 Shareholder Meeting
Simmons First National — Shareholder Meeting (April 2017) on 6ix