Simmons First National Corporation · NASDAQ:SFNC
Simmons First National — Shareholder Meeting (April 2016)
21 slides from Simmons First National's shareholder meeting presentation, Apr 20, 2016
Slide 1: Simmons First National Corporation 2016 Shareholder Meeting
7 Simmons First _ National Corporation 2016 Shareholder Meeting
Slide 2: 2015 In Review
2015 In Review
Slide 3: Four State Footprint
Four State Footprint
Slide 4: Convert MNB, integrate branches and close branches
~ Convert MNB, integrate 35 branches and close 27 branches uo Regulatory filings (charter Consolidation & Delta Trust) o Convert 3 legacy charters (sra-neA, sF8-searcy & SF8-Hot Springs) eo Regulatory approval (delta Trust) eo Regulatory filings (First state & Liberty) of File S-4 (Delta Trust) o Fi
Slide 5: Strong Regulatory Capital
STRONG REGULATORY CAPITAL LEVERAGE RATIO COMMON EGUITY TIER 1 CAPITAL RATIO TIER 1 CAPITAL RATIO TOTAL RISK-BASED CAPITAL RATIO. 3
Slide 6: Strong Asset Quality
STRONG ASSET QUALITY Consistently Qutperforming Our Peers SFNC ALL U.S. BANKS, Nonperforming Loans %2 %2 as a % of Loans! Net Charge-Offs as a% % %? of Average Loans* Net Credit Card 9 ¥4 Credit Cards Portfolio Includes troubled-debt restructures Excluding credit cards Legacy loans; exc uding all ac
Slide 7: Total Asset Growth
TOTAL ASSET GROWTH ED $4,643,354,000 mi '$4,383,100,000 Fj $3,320,129,000_$3:527/499,000 BILLIONS OF DOLLARS
Slide 8: Core Earnings Growth
CORE EARNINGS GROWTH! (eS < = $38,707,000 a Per Shar MILLIONS OF DOLLARS a 3
Slide 9: Consistent Dividend History
/ CONSISTENT DIVIDEND HISTORY / st00 2015 Annual Dividend Yield: 1.8% (Based on 12/3/15 stockprice) 5 il $80 = $60 : = : ° G sao = 4 3 : > 107 CONSECUTIVE YEARS OF PAYING DIVIDENDS TO OUR SHAREHOLDER:
Slide 10: 1-Year Total Shareholder Return
1-YEAR TOTAL SHAREHOLDER RETURN Dividends + Stock Appreciation) TAS — 12815 —SFNC_ —SNLUSS. Bank +28.9% — +1.7% aa ey 1) v Dec-14 Mar-15 Jun-15 Sep-15 Dec-15
Slide 11: 3-Year Total Shareholder Return
3-YEAR TOTAL SHAREHOLDER RETURN [Dividends + Stock Appreciation} TANS 128115 —SFNC_ —SNLUS. Bank 140 +117.6% _ +56.1% Dec-12 Dec-13 Dec-14 Dec-15
Slide 12: Market Capitalization
MILLIONS OF DOLLARS 1,600 1,400 1,200 1,000 800 600 400 MARKET CAPITALIZATION number of shares X stock price $468,002,899 $419,524,850 '$602,805,410 $733,833,637 $1,555,100,268
Slide 13: 2016 & Beyond
2016 & Beyond
Slide 14: Preparing for $10 Billion in Assets
Preparing for $10 Billion in Assets ¢ Regulatory Changes including CFPB ¢ Expenses — Durbin Amendment ($4 to $5 million) | 5
Slide 15: Continue to establish network of full-service community bank regions
Continue to establish network of full-service community bank regions
Slide 16: 2016 Strategy
2016 Strategy Sustainable Operational Great Place to Growth Excellence Work Expand and Grow Lines of Becsencetioe Powerful Culture Sree ise Exceptional Leadership Continuous impr 10 Billion ld ‘Asset Quality and Regulatory Compliance
Slide 17: Continue Pursuing Merger Partners
Continue Pursuing Merger Partners z
Slide 18: Expansion Interests: Fill-in existing footprint
Slide 19: Expansion Interests: New Markets
Slide 20: Commitment to our communities
Commitment to our communities with a special emphasis on Pine Bluff - headquarters Simmons Foundation * Grants of $300,000 * Go Forward Pine Bluff - Model for future use Es
Slide 21: Simmons First National Corporation 2016 Shareholder Meeting
7 Simmons First _ National Corporation 2016 Shareholder Meeting
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