Simmons Q2 EPS $0.21; adjusted $0.52; revenue up 20%; NIM expands to 3.24%

SIMMONS FIRST NATIONAL CORP

2022-Q2 EPS reported $0.77

Diluted EPS $0.21 vs $0.58 Q1; adjusted EPS $0.52 vs $0.59 Q1. Revenue $225.4M (+20% linked quarter).
Net interest margin expanded 48 bps to 3.24%; net interest income $185.1M (+27% linked quarter).
Provision for credit losses $33.9M, reflecting Day 2 CECL provision on acquired loans; total loans up 26% linked quarter to $15.1B.
Completed acquisition of Spirit of Texas Bancshares on April 8, contributing $2.3B loans and $2.7B deposits; merger costs $19.1M.
Credit quality stable: NPL ratio 0.42% (down 11 bps), net charge-off ratio 0.02%.

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