0001171843-20-005014.txt : 20200717 0001171843-20-005014.hdr.sgml : 20200717 20200717063014 ACCESSION NUMBER: 0001171843-20-005014 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20200717 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20200717 DATE AS OF CHANGE: 20200717 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST HORIZON NATIONAL CORP CENTRAL INDEX KEY: 0000036966 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 620803242 STATE OF INCORPORATION: TN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-15185 FILM NUMBER: 201032725 BUSINESS ADDRESS: STREET 1: 165 MADISON AVENUE CITY: MEMPHIS STATE: TN ZIP: 38103 BUSINESS PHONE: 9018186232 MAIL ADDRESS: STREET 1: 165 MADISON AVENUE CITY: MEMPHIS STATE: TN ZIP: 38103 FORMER COMPANY: FORMER CONFORMED NAME: FIRST TENNESSEE NATIONAL CORP DATE OF NAME CHANGE: 19920703 FORMER COMPANY: FORMER CONFORMED NAME: FIRST TENNESSEE BANKS INC DATE OF NAME CHANGE: 19600201 8-K 1 f8k_071720.htm FORM 8-K
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UNITED STATES

 

SECURITIES AND EXCHANGE COMMISSION

 

Washington, DC 20549

 

FORM 8-K

 

CURRENT REPORT

 

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

 

Date of report (Date of earliest event reported): July 17, 2020

________________________

 

First Horizon National Corporation

(Exact Name of Registrant as Specified in Charter)

 

Tennessee 001-15185 62-0803242
(State or other jurisdiction (Commission File Number) (IRS Employer Identification No.)
of incorporation)    

 

165 Madison Avenue, Memphis, Tennessee 38103

(Address of Principal Executive Offices) (Zip Code)

 

 

Registrant’s telephone number, including area code: (901) 523-4444

 

(Former name or former address, if changed from last report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

 

 

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of Each Class Trading Symbol(s) Name of Exchange on which Registered
$0.625 Par Value Common Capital Stock FHN New York Stock Exchange, LLC

Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A

 FHN PR A New York Stock Exchange, LLC
Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series B FHN PR B New York Stock Exchange, LLC
Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series C FHN PR C New York Stock Exchange, LLC
Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series D FHN PR D New York Stock Exchange, LLC
Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series E FHN PR E New York Stock Exchange, LLC

 

 

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2).

 

☐ Emerging growth company

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

 

 

 

ITEM 2.02. Results of Operations and Financial Condition.

 

ITEM 7.01. Regulation FD Disclosure.

 

Furnished as Exhibit 99.1 is a copy of the First Horizon National Corporation ("First Horizon" or "FHN”) earnings release for the quarter ended June 30, 2020, released today.

 

Exhibit 99.1 is furnished pursuant to Item 2.02, "Regulation of Operations and Financial Condition," and Item 7.01, "Regulation FD Disclosure." The exhibit speaks as of the date thereof and FHN does not assume any obligation to update in the future the information therein.

 

Use of Non-GAAP Measures and Regulatory Measures that are not GAAP in the Exhibit

 

Certain measures are included in the exhibit that are “non-GAAP,” meaning (under U.S. financial reporting rules) they are not presented in accordance with generally accepted accounting principles (“GAAP”) in the U.S. and also are not codified in the U.S. banking regulations currently applicable to FHN. Although other entities may use calculation methods that differ from those used by FHN for non-GAAP measures, FHN’s management believes such measures are relevant to understanding the financial condition, capital position, and financial results of FHN and its business segments. Non-GAAP measures are reported to FHN’s management and directors through various internal reports.

 

Presentation of regulatory measures, some of which follow regulatory definitions rather than GAAP, provides a meaningful base for comparability to other financial institutions subject to the same regulations as FHN. Such measures are used by the various banking regulators in reviewing the performance, stability, and capital adequacy of financial institutions they regulate. Although not GAAP terms, these regulatory measures are not considered “non-GAAP” under U.S. financial reporting rules as long as their presentation conforms to regulatory standards. Regulatory measures used in the exhibit include: common equity tier 1 capital, generally defined as common equity less goodwill, other intangibles, and certain other required regulatory deductions; tier 1 capital, generally defined as the sum of core capital (including common equity and instruments that cannot be redeemed at the option of the holder) adjusted for certain items under risk based capital regulations; and risk weighted assets (“RWA”), which is a measure of total on- and off-balance sheet assets adjusted for credit and market risk, used to determine regulatory capital ratios.

 

 

 

 

The non-GAAP measures presented in the exhibit include: adjusted net income available to common ("NIAC"), adjusted earnings per share ("EPS"), adjusted return on average assets ("ROA"), adjusted return on average common equity ("ROCE"), return on average tangible common equity (“ROTCE”), adjusted ROTCE, pre-provision net revenue ("PPNR"), and adjusted PPNR.

 

Reconciliations of non-GAAP to GAAP measures and presentation of the most comparable GAAP items are presented at the end of the earnings release.

 

Forward-Looking Statements

 

This communication contains certain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended (the "Securities Act"), and Section 21 E of the Securities Exchange Act of 1934, as amended, (the "Exchange Act") with respect to FHN's beliefs, plans, goals, expectations, and estimates. Forward-looking statements are not a representation of historical information, but instead pertain to future operations, strategies, financial results or other developments. The words "believe," "expect," "anticipate," "intend," "estimate," "should," "is likely," "will," "going forward" and other expressions that indicate future events and trends identify forward-looking statements.

 

Forward-looking statements are necessarily based upon estimates and assumptions that are inherently subject to significant business, operational, economic and competitive uncertainties and contingencies, many of which are beyond the control of FHN, and many of which, with respect to future business decisions and actions, are subject to change and which could cause actual results to differ materially from those contemplated or implied by forward-looking statements or historical performance. Examples of uncertainties and contingencies include factors previously disclosed in FHN's respective reports filed with the U.S. Securities and Exchange Commission (the "SEC"), as well as the following factors, among others: the possibility that the anticipated benefits of FHN’s 2020 merger with IBERIABANK Corporation (the “2020 merger”) will not be realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the strength of the economy and competitive factors in any or all of FHN’s market areas; the possibility that the 2020 merger may be more expensive to integrate than anticipated, including as a result of unexpected factors or events; diversion of management's attention from ongoing business operations and opportunities; potential adverse reactions or changes to business or employee relationships resulting from the 2020 merger; FHN’s success in executing its business plans and strategies following the 2020 merger, and managing the risks involved in the foregoing; the potential impacts on FHN’s businesses of the coronavirus COVID-19 pandemic, including negative impacts from quarantines, market declines, and volatility, and changes in customer behavior related to COVID-19; and other factors that may affect future results of FHN.

 

FHN cautions that the foregoing list of important factors that may affect future results is not exhaustive. Additional factors that could cause results to differ materially from those contemplated by forward-looking statements can be found in FHN's annual report on Form 10-K for the year ended December 31, 2019, and its quarterly report on Form 10-Q for the period ended March 31, 2020, both filed with the SEC and available on the SEC’s website, http://www.sec.gov, and also available in the "Investor Relations" section of FHN's website, http://www.FirstHorizon.com, under the heading "SEC Filings," and in other documents FHN files with the SEC.

 

 

 

 

ITEM 9.01. Financial Statements and Exhibits.

 

(d) Exhibits

 

The following exhibit is furnished pursuant to Items 2.02 and 7.01, is not to be considered "filed" under the Securities Exchange Act 1934, as amended ("Exchange Act"), and shall not be incorporated by reference into any of First Horizon's previous or future filings under the Securities Act of 1933, as amended, or the Exchange Act.

 

Exhibit # Description
   
99.1 First Horizon National Corporation earnings release issued for the quarter ended June 30, 2020.
   
104 Cover Page Interactive Data File, formatted in Inline XBRL

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SIGNATURE

 

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

    First Horizon National Corporation
     
Date: July 17, 2020 By:   /s/ William C. Losch III
    William C. Losch III
    Senior Executive Vice President and Chief Financial Officer

 

 

 

 

 

 

 

 

 

 

 

 

 

 EX-99.1 2 exh_991.htm EXHIBIT 99.1 EdgarFiling

EXHIBIT 99.1

First Horizon National Corp. Reports Second Quarter EPS of $0.17 with Adjusted EPS of $0.20**

Results reflect additional CECL-related reserve build of $93 million, or $0.23 per share driven by COVID-19 impact

Strong fee income, up 31% year over year driven by strength in fixed income

CET1 ratio of 9.3% improved 72 bps from first quarter 2020

Tangible book value per share of $9.99

MEMPHIS, Tenn., July 17, 2020 (GLOBE NEWSWIRE) -- First Horizon National Corp. (NYSE:FHN or “First Horizon”) today reported second quarter net income available to common shareholders (“NIAC”) of $52 million, or $0.17 per share, up from $12 million and $0.04 per share in first quarter 2020.  Adjusted NIAC, excluding certain notable items, was $64 million, or $0.20 per share, compared with $17 million and $0.05 per share in first quarter 2020.
                                                               
“In this quarter of significant pandemic-related and broad-based economic challenges, we delivered solid results as we continued to work diligently to support clients, communities and our associates while prudently managing risk,” said President and Chief Executive Officer Bryan Jordan.  “Our second quarter results reflect the benefit of our diversified business model with strong pre-provision net revenue growth led by robust fee income and a modest increase in net interest income.”

Jordan continued, “We completed our merger of equals with IBERIABANK Corporation on July first, creating one of the largest banks in the South. With $83 billion in assets on a combined basis, the organization has significant scale with expanded capabilities and geographic reach that position us well to continue to deliver enhanced value for all our constituents.  I believe our strong balance sheet, the diversification of our portfolio, expense management, as well as the experience and commitment of the combined team will deliver significant shareholder value.”

During the quarter, First Horizon secured $2 billion in loans through the Small Business Administration’s (SBA) Paycheck Protection Program (PPP) which provided aid to more than 300,000 employees of 15,000 customers.

  • 20% of the PPP loans supported women- and minority-owned businesses or businesses in low-to-moderate income tracts.
  • First Horizon entered Phase 2 of reopening on June 4, 2020. Banking centers are open with occupancy limits and in-person appointments aren’t required but recommended.
  • First Horizon continues to prioritize health and safety and remains focused on executing the business continuity plan and proactive client outreach and communication.
  • The Company continues to be prudent in its focus on risk management and credit oversight.
  • The acquisition of 30 branches from Truist Financial Corporation is scheduled to close today, July 17, 2020.

____________
**References to “Adjusted” results exclude notable items and are Non-GAAP Financial Measures. Where there is a reference to “Adjusted” results in a paragraph, all measures that follow these references are on the same basis. Additional information regarding the impact of notable items and Acquisitions on our results is described in this release. Please see the end of this release for important information on our use of Key Performance Metrics and Non-GAAP Financial Measures, as applicable, and their reconciliation to GAAP financial measures. References in this release to balance sheet items are on an average basis and loans exclude loans held for sale (“LHFS”) unless otherwise noted. References to net interest margin are on a fully taxable equivalent (“FTE”) basis and all references to earnings per share represent fully diluted per common share.  References to consolidated and/or commercial loans, loan growth, nonaccrual loans and allowance for loan losses include leases. The "Company" refers to First Horizon. Current reporting-period regulatory capital ratios are preliminary. Select totals may not sum due to rounding.

 

Second Quarter 2020 Financial Highlights

Diluted EPS/
Adjusted EPS**
$0.17/ $0.20 		  ROA/
Adjusted ROA**
0.48% / 0.57% 		  ROCE/
Adjusted ROCE**
4.5%/5.5% 		  ROTCE**/
Adjusted ROTCE**
6.7% / 8.3%

 

Consolidated Highlights 
Quarterly, Unaudited

              2Q20 Changes vs.
(Dollars in Thousands) 2Q20   1Q20   2Q19   1Q20 2Q19
Consolidated                    
Income Statement                    
Net interest income $ 305,344     $ 302,802     $ 303,610     1   % 1   %
Noninterest income 206,269     174,756     157,993     18   % 31   %
Total revenues 511,613     477,558     461,603     7   % 11   %
Provision /(Provision Credit) for loan losses 110,000     145,000     13,000     (24 ) % NM    
Noninterest expense 332,168     311,319     300,394     7   % 11   %
Income before income taxes 69,445     21,239     148,209     NM     (53 ) %
Provision for income taxes 12,780     4,767     34,467     NM     (63 ) %
Net income 56,665     16,472     113,742     NM     (50 ) %
Net income attributable to noncontrolling interest 2,851     2,852     2,852     *     *    
Preferred stock dividends 1,550     1,550     1,550     *     *    
Net income available to common shareholders $ 52,264     $ 12,070     $ 109,340     NM     (52 ) %
PPNR (a) 179,445     166,239     161,209     8   % 11   %
NIM 2.90   % 3.16   % 3.34   % (8 ) % (13 ) %
Diluted Shares 312,936     313,170     315,786     *     (1 ) %
                     
Balance Sheet                    
Average Loans $ 33,967,681     $ 30,524,165     $ 28,672,161     11   % 18   %
Average Deposits 37,526,495     32,882,006     31,963,544     14   % 17   %
Average Assets 47,934,074     43,551,912     41,243,007     10   % 16   %
Average Common Equity 4,672,507     4,611,339     4,478,106     1   % 4   %
NM - Not meaningful                    
* Amount is less than one percent.                    
(a) This non-GAAP measure is reconciled to pre-tax income ("PTI") in the reconciliation to GAAP financial measures at the end of this release.

Consolidated highlights for the second quarter:

  • Total revenue of $512 million increased 7% linked quarter (“LQ” – compared to first quarter 2020) and 11% year over year (YoY – compared to second quarter 2019).
  • Net interest income was relatively stable up 1% LQ despite rate headwinds, reflecting strong balance sheet growth.
    • Net interest margin of 2.90% decreased 26 basis points driven by a significant decline in interest rates and excess cash balances, somewhat offset by loan growth, accretion and disciplined
      deposit pricing.
    • Noninterest income growth of 18% LQ and 31% YoY was driven by strong fixed income results and higher other income tied to deferred compensation.
  • Noninterest expense increased $21 million driven by deferred compensation and merger-related expense of $14 million, somewhat offset by lower advertising, travel and entertainment expenses.
    • Efficiency ratio improved to 64.74% from 65.19% in first quarter 2020 and 65.08% in second
      quarter 2019.
  • Provision for credit losses of $110 million decreased $35 million from first quarter 2020 and included a $93 million reserve build tied to COVID-19.
  • Adjusted pre-provision net revenue of $194 million rose 13% LQ and 2% YoY, reflecting strength in noninterest income and stable net interest income.
  • Loan loss reserves as a percentage of average loans as of June 30, 2020 increased to 1.64% from 1.33% as of March 31, 2020 and 0.65% as of June 30, 2019.
  • Average loans increased 11% LQ and 18% YoY driven by loans to mortgage companies and the PPP program portfolio.
  • Average deposits increased 14% LQ and 17% YoY driven by significant strength in demand deposits and savings; demand deposits represented 30% of total deposits as of June 30, 2020.
  • CET1 Ratio of 9.3%, up 72 basis points LQ.
  • Tangible book value per share of $9.99 increased slightly LQ and 5% YoY.

Regional Banking Highlights
Quarterly, Unaudited

              2Q20 Changes vs.
(Dollars in Thousands) 2Q20   1Q20   2Q19   1Q20 2Q19
Regional Banking                    
Net interest income $ 349,749     $ 300,187     $ 297,534     17   % 18   %
Noninterest income 79,312     81,896     81,565     (3 ) % (3 ) %
Total revenues 429,061     382,083     379,099     12   % 13   %
Provision for loan losses 108,311     145,441     17,776     (26 ) % NM    
Noninterest expense 202,297     211,034     192,413     (4 ) % 5   %
Income before income taxes $ 118,453     $ 25,608     $ 168,910     NM     (30 ) %
PPNR (a) $ 226,764     $ 171,049     $ 186,686     33   % 21   %
Balance Sheet                        
Average Loans $ 33,114,929     $ 29,614,576     $ 27,541,358     12   % 20   %
Average Deposits 33,792,347     30,581,519     29,955,819     10   % 13   %
NM - Not meaningful                    
(a) This non-GAAP measure is reconciled to pre-tax income ("PTI") in the reconciliation to GAAP financial measures at the end of this release.

Regional Banking highlights include:

  • Revenue up 12% LQ and 13% YoY.
  • Net interest income up 17% LQ and 18% YoY, reflecting loan growth.
  • Average loans up 12% LQ and 20% YoY driven by loans to mortgage companies and PPP loans.
  • Average deposit growth of 10% LQ and 13% YoY.
    • Deposit costs trending down, reflecting lower rates and pricing discipline.
  • Provision expense of $108 million decreased $37 million LQ and increased $91 million YoY driven by the impact of changes in the macroeconomic forecast tied to current expected credit losses methodology.
  • Noninterest expense decreased 4% LQ largely reflecting lower personnel, advertising, and travel and entertainment expense and increased 5% YoY largely reflecting an increase in the reserve for unfunded commitments.

Fixed Income Highlights
Quarterly, Unaudited

              2Q20 Changes vs.
(Dollars in Thousands) 2Q20   1Q20   2Q19   1Q20 2Q19
Fixed Income                    
Net interest income $ 13,545     $ 10,914     $ 6,171     24   % NM    
Noninterest income 113,235     95,723     65,622     18   % 73   %
Total revenues 126,780     106,637     71,793     19   % 77   %
Noninterest expense 83,039     81,063     55,534     2   % 50   %
Income before income taxes $ 43,741     $ 25,574     $ 16,259     71   % NM    
NM - Not meaningful                        

Fixed Income highlights include:

  • Total revenue of $127 million, up 19% LQ and 77% YoY reflecting robust sales activity across all trading desks.
  • Fixed income average daily revenue of $1.6 million, increased 26% LQ and 84% YoY, reflecting more favorable market conditions.
  • Noninterest expense increased 2% LQ and 50% YoY, reflecting an increase in variable compensation related to higher revenues.

Capital and Liquidity Highlights
Quarterly, Unaudited

              2Q20 Changes vs.
(Dollars in Millions) 2Q20   1Q20   2Q19   1Q20 2Q19
Capital and Liquidity Highlights                    
Common dividends declared $ 46.8     $ 46.7     $ 43.7     *   7   %
Preferred dividends declared 1.6     1.6     1.6     *   *    
Share repurchases —     —     50.2     NM   NM    
Capital Ratios (a)                    
Common Equity Tier 1 9.26   % 8.54   % 9.25   %        
Tier 1 10.69   % 9.52   % 10.24   %        
Total Capital 12.48   % 10.78   % 11.34   %        
Leverage 8.56   % 9.00   % 9.04   %        
(a) Current quarter is an estimate.
NM - Not meaningful                    
* Amount is less than one percent.                    

Capital and Liquidity highlights include:

  • Declared $0.15 per common share quarterly dividend in 2Q20, which was paid on July 1, 2020.
  • No share repurchases in 2Q20.
  • CET 1 of 9.3% and total capital 12.5% as of June 30, 2020.

Asset Quality Highlights
Quarterly, Unaudited

              2Q20 Changes vs.
(Dollars in Thousands) 2Q20   1Q20   2Q19   1Q20 2Q19
Asset Quality Highlights                    
Allowance for loan losses $ 537,881     $ 444,490     $ 192,749     21   % NM    
Allowance / loans % 1.64 %   1.33 %   0.65 %              
Net Charge-offs $ 16,609     $ 7,211     $ 5,162     NM     NM    
Net charge-offs % 0.20 %   0.10 %   0.07 %              
Nonperforming Loans (a) $ 225,991     $ 189,813     $ 204,586     19   % 10   %
NPL % 0.69 %   0.57 %   0.69 %              
30+ delinquencies $ 41,654     $ 62,642     $ 58,861     (34 ) % (29 ) %
30+ delinquencies % 0.13 %   0.19 %   0.20 %          
(a) Excludes loans held-for-sale.                    
NM - Not meaningful                    

Asset Quality highlights include:

  • Allowance for loan losses increased to $538 million largely reflecting the impact of changes in macro-economic expectations given the COVID-19 pandemic and the implementation of current expected credit losses methodology.
  • Nonperforming loans increased $36 million from first quarter 2020 and $21 million from second quarter 2019.
  • Net charge-offs of $17 million increased $9 million from first quarter 2020 and $11 million from second quarter 2019 primarily driven by one energy credit and one restaurant credit.
  • The allowance for credit losses to loans ratio increased to 1.64% from 1.33% as of March 31, 2020 and 0.65% as of June 30, 2019.
  • 30+ delinquencies decreased in the C&I and CRE portfolios.

Use of Non-GAAP Measures
Several financial measures in this release are non-GAAP, meaning they are not presented in accordance with generally accepted accounting principles (GAAP) in the U.S. The non-GAAP items presented in this release are adjusted net income available to common ("NIAC"), adjusted earnings per share ("EPS"), adjusted return on average assets ("ROA"), adjusted return on average common equity (“ROCE”), return on tangible common equity ("ROTCE"), adjusted ROTCE, pre-provision net revenue (“PPNR”), and adjusted PPNR. These profitability measures are reported to First Horizon’s management and directors through various internal reports. First Horizon’s management believes these measures are relevant to understanding the financial results of First Horizon and its business segments. Non-GAAP measures are not formally defined by GAAP or codified in the federal banking regulations, and other entities may use calculation methods that differ from those used by First Horizon. First Horizon has reconciled each of these measures to a comparable GAAP measure below: 


           
FHN NON-GAAP TO GAAP RECONCILIATION          
Quarterly, Unaudited          
(Dollars and shares in thousands, except per share data)          
           
Adjusted Diluted EPS   2Q20
     1Q20    
Net income available to common ("NIAC") (GAAP) a $ 52,264     $ 12,070    
Plus Tax effected notable items (Non-GAAP) (a)   $ 11,752     $ 4,537    
Adjusted NIAC (Non-GAAP) b $ 64,016     $ 16,607    
           
Diluted Shares (GAAP) c 312,936     313,170    
           
Diluted EPS (GAAP) a/c $ 0.17     $ 0.04    
Adjusted diluted EPS (Non-GAAP) b/c $ 0.20     $ 0.05    
           
           
Adjusted Net Income ("NI") and Adjusted Return on Assets ("ROA")   2Q20
     1Q20    
Net Income ("NI") (GAAP)   $ 56,665     $ 16,472    
Plus Tax effected notable items (Non-GAAP) (a)   $ 11,752     $ 4,537    
Adjusted NI (Non-GAAP)   $ 68,417     $ 21,009    
           
NI (annualized) (GAAP) d $ 227,905     $ 66,250    
Adjusted NI (annualized) (Non-GAAP) e $ 275,172     $ 84,498    
           
Average assets (GAAP) f $ 47,934,074     $ 43,551,912    
           
ROA (GAAP) d/f 0.48   % 0.15   %
Adjusted ROA (Non-GAAP) e/f 0.57   % 0.19   %
           
           
Adjusted Return on Average Common Equity ("ROCE")/
Return on Average Tangible Common Equity ("ROTCE")		   2Q20
     1Q20    
NIAC (GAAP)   $ 52,264     $ 12,070    
Plus Tax effected notable items (Non-GAAP) (a)   $ 11,752     $ 4,537    
Adjusted NIAC (Non-GAAP)   $ 64,016     $ 16,607    
           
NIAC (annualized) (GAAP) g $ 210,205     $ 48,545    
Adjusted NIAC (annualized) (Non-GAAP) h $ 257,471     $ 66,793    
           
Average Common Equity (GAAP) i $ 4,672,507     $ 4,611,339    
Intangible Assets (GAAP) (b)   $ 1,555,049     $ 1,560,340    
Average Tangible Common Equity (Non-GAAP) j $ 3,117,458     $ 3,050,999    
           
ROCE (GAAP) g/i 4.50   % 1.05   %
Adjusted ROCE (Non-GAAP) h/i 5.51   % 1.45   %
           
ROTCE (Non-GAAP) g/j 6.74   % 1.59   %
Adjusted ROTCE (Non-GAAP) h/j 8.26   % 2.19   %
           
           


Consolidated Pre-provision Net Revenue ("PPNR")/ Adjusted PPNR 2Q20
     1Q20     2Q19  
Net interest income (GAAP) $ 305,344     $ 302,802     $ 303,610  
Plus: Noninterest income (GAAP) $ 206,269     $ 174,756     $ 157,993  
Total revenues (GAAP) $ 511,613     $ 477,558     $ 461,603  
Less: Noninterest expense (GAAP) $ 332,168     $ 311,319     $ 300,394  
PPNR (Non-GAAP) $ 179,445     $ 166,239     $ 161,209  
Provision/(provision credit) for loan losses (GAAP) $ 110,000     $ 145,000     $ 13,000  
Income before income taxes (pre-tax income ("PTI")) (GAAP) $ 69,445     $ 21,239     $ 148,209  
PPNR (Non-GAAP) $ 179,445     $ 166,239     $ 161,209  
Plus: Notable items (Non-GAAP) (c) $ 14,321     $ 5,777     $ 28,059  
Adjusted PPNR (Non-GAAP) $ 193,766     $ 172,016     $ 189,268  
           
Regional Banking PPNR          
Net interest income (GAAP) $ 349,749     $ 300,187     $ 297,534  
Plus: Noninterest income (GAAP) $ 79,312     $ 81,896     $ 81,565  
Total revenues (GAAP) $ 429,061     $ 382,083     $ 379,099  
Less: Noninterest expense (GAAP) $ 202,297     $ 211,034     $ 192,413  
PPNR (Non-GAAP) $ 226,764     $ 171,049     $ 186,686  
Provision/(provision credit) for loan losses (GAAP) $ 108,311     $ 145,441     $ 17,776  
Income before income taxes (PTI) (GAAP) $ 118,453     $ 25,608     $ 168,910  

(a) 2Q20 and 1Q20 include $14.3 million and $5.8 million, respectively of pre-tax acquisition-related expenses largely associated with the merger of equals with IBERIABANK Corporation ("IBKC") and pending branch acquisition adjusted using an incremental tax rate of approximately 18 percent in 2Q20 and 21 percent in 1Q20.

(b) Includes goodwill and other intangible assets, net of amortization.

(c) 2Q20, 1Q20, and 2Q19 include $14.3 million, $5.8 million, and $8.6 million, respectively of pre-tax acquisition-related expenses; 2Q19 also includes $18.7 million of restructuring-related expenses, $9.1 million of rebranding-related expenses, and an $(8.3) million expense reversal related to the resolution of a legal matter.

Conference call
Management will hold a conference call at 8:30 a.m. Central Time today to review earnings and performance trends. There will also be a live webcast accompanied by the slide presentation available in the investor relations section of www.FirstHorizon.com.  The call and slide presentation may involve forward-looking information, including guidance.

Callers wishing to participate may call toll-free starting at 8:15 a.m. CT today by dialing 888-317-6003 and entering access code 5406075. The number for international participants is 412-317-6061 and the access code is 5406075.

Participants can also listen to the live audio webcast with the accompanying slide presentation through the investor relations section of www.FirstHorizon.com. A replay will be available from noon CT today until midnight CT on July 31. To listen to the replay, dial 877-344-7529 or 412-317-0088. The access code is 10145732. The event also will be archived and available beginning today by midnight CT in the investor relations section of www.FirstHorizon.com.

Disclaimers and Other Information
This communication contains forward-looking statements involving significant risks and uncertainties. A number of important factors could cause actual results to differ materially from those in the forward-looking information. Those factors include general economic and financial market conditions, including expectations of and actual timing and amount of interest rate movements including the slope of the yield curve, competition, ability to execute business plans, geopolitical developments, recent and future legislative and regulatory developments, inflation or deflation, market (particularly real estate market) and monetary fluctuations, natural disasters, customer, investor and regulatory responses to these conditions and items already mentioned in this press release, as well as critical accounting estimates and other factors described in First Horizon's annual report on Form 10-K and other recent filings with the SEC. First Horizon disclaims any obligation to update any such factors or to publicly announce the result of any revisions to any of the forward-looking statements included herein or therein to reflect future events or developments or changes in expectations.

About First Horizon
First Horizon National Corp. (NYSE:FHN), with $83 billion in assets, is a leading regional financial services company, dedicated to strengthening the lives of our associates, clients, shareholders, and communities. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates approximately 460 bank locations in 11 states across the Southeast. With more than 288 years of combined First Horizon Bank and IBERIABANK financial experience, the Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, mortgage, and title insurance services. First Horizon is recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. bank. More information is available at www.FirstHorizon.com.

FHN-G

CONTACT: Investor Relations, Ellen Taylor (901) 523-4450
Investor Relations, Aarti Bowman, (901) 523-4017
Media Relations, Silvia Alvarez, (901) 523-4465

 

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