<SEC-DOCUMENT>0001171843-18-006992.txt : 20181016
<SEC-HEADER>0001171843-18-006992.hdr.sgml : 20181016
<ACCEPTANCE-DATETIME>20181016063015
ACCESSION NUMBER:		0001171843-18-006992
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20181016
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20181016
DATE AS OF CHANGE:		20181016

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:		181123504

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_101618.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<html><head><title></title></head><body><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div></div><p style="text-align: center;"><font style="font-size: 14pt;"><strong>UNITED STATES</strong><br /><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br /><strong>Washington, D.C. 20549</strong><br />_____________________</font></p><p style="text-transform: uppercase; text-align: center;"><font style="font-size: 14pt;"><strong>Form 8-K</strong><br />_____________________</font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>CURRENT REPORT</strong></font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></font></p><p align="center"><font style="font-size: 10pt;">Date of Report (Date of earliest event Reported): <!--October 16, 2018-->October 16, 2018 &#160;</font></p><p align="center"><font style="font-size: 12pt;"><strong>First Horizon National Corporation</strong></font><br /><font style="font-size: 10pt;">(Exact Name of Registrant as Specified in Charter)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;"><strong>TENNESSEE </strong></font></td><td align="center" width="34%"><font style="font-size: 10pt;"><strong>001-15185</strong></font></td><td align="center" width="33%"><font style="font-size: 10pt;"><strong>62-0803242</strong></font></td></tr><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</font></td><td align="center" width="34%"><font style="font-size: 10pt;">(Commission File Number)</font></td><td align="center" width="33%"><font style="font-size: 10pt;">(I.R.S. 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[&#160;&#160; ]</p><div style="margin-top: 12pt; margin-bottom: 3pt;"><div style="font-size: 1pt; border-top: Black 1.1pt solid; border-bottom: Black 2.5pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div>&#160;</div><hr style="page-break-after: always;" noshade="noshade" /><p><font style="font-size: 10pt;">  <strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 2.02. Results of Operations and Financial Condition.</strong></font></p><p><font style="font-size: 10pt;"><p><br /><br /></p></font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 7.01. Regulation FD Disclosure.</strong></font></p><p><font style="font-size: 10pt;"><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">Furnished as Exhibit 99.1 is a copy of the First Horizon National Corporation ("First Horizon" or "FHN&#8221;) Third Quarter 2018 Earnings Release, which is scheduled to be released October&#160;16, 2018.</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">&#160;</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">The foregoing information 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.</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">&#160;</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;"><strong>Use of Non-GAAP Measures and Regulatory Measures that are not GAAP in the Exhibit</strong></p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">&#160;</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">Certain measures are included in the exhibit that are &#8220;non-GAAP,&#8221; meaning (under U.S. financial reporting rules) they are not presented in accordance with generally accepted accounting principles (&#8220;GAAP&#8221;) 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&#8217;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&#8217;s management and directors through various internal reports.</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">&#160;</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">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 &#8220;non-GAAP&#8221; 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 (&#8220;RWA&#8221;), 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: Return on average tangible common equity (&#8220;ROTCE&#8221;), adjusted ROTCE, adjusted return on average assets ("ROA"), and adjusted earnings per share ("EPS").</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">&#160;</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">Reconciliations of non-GAAP to GAAP measures and presentation of the most comparable GAAP items are presented at the end of the earnings release.</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">&#160;</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;"><strong>Forward-Looking Statements</strong></p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">&#160;</p><p style="text-align: justify; line-height: 120%; margin: 0in 0in 0.0001pt; font-size: 10pt; font-family: 'Times New Roman', serif;">This earnings release 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, customer and investor responses to these conditions, ability to execute business plans, geopolitical developments, recent and future legislative and regulatory developments, natural disasters, and items mentioned in this earnings release and in FHN's most recent financial supplement and investor slide presentation, as well as critical accounting estimates and other factors described in FHN&#8217;s recent filings with the SEC. FHN disclaims any obligation to update any such forward-looking statements or to publicly announce the result of any revisions to any of the forward-looking statements to reflect future events or developments.</p></font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></font></p><p><font style="font-size: 10pt;"><table class="MsoNormalTable mce-item-table" style="margin-left: 3.0pt; border-collapse: collapse;" border="0" width="870" cellspacing="0" cellpadding="0"><tr style="height: 14.0pt;"><td style="width: 41.0pt; padding: 0in 2.0pt 0in 3.0pt; height: 14.0pt;" valign="bottom" width="68"><p style="margin: 2pt 0in; break-after: avoid; font-size: 10pt; font-family: 'Times New Roman', serif; text-align: left;">(d)</p></td><td style="width: 481.0pt; padding: 0in 2.0pt 0in 3.0pt; height: 14.0pt;" valign="bottom" width="802"><p style="margin: 2pt 0in; break-after: avoid; font-size: 10pt; font-family: 'Times New Roman', serif;">Exhibits</p></td></tr></table><p style="margin: 13pt 0in 7pt; font-size: 10pt; font-family: 'Times New Roman', serif; text-align: justify;" align="center">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.&#160;&#160;</p><table class="mce-item-table" style="border-collapse: collapse; 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<TYPE>EX-99.1
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<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252" ><meta name="GENERATOR" content="MSHTML 8.00.7601.18094" ></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>First Horizon Reports Third Quarter 2018 Results</strong></p><p style="text-align: center;" ></p><p>
 <p align="center"><em>Successfully Executed Capital Bank Merger Priorities</em><br ></p>  <p align="center"><em>Continued to Demonstrate Positive Operating Leverage with Focus on Growth in High-Return Areas and Effective Capital Allocation</em></p>  <p align="center"><em>Achieved Positive Impact from Sale of Visa B Shares</em></p>  <p>MEMPHIS, Tenn., Oct.  16, 2018  (GLOBE NEWSWIRE) -- First Horizon (NYSE:FHN) today announced third quarter 2018 results with reported earnings per share (EPS) of $0.83, which includes a favorable impact from the sale of First Horizon&#8217;s Visa Class B Shares. Key highlights for the quarter include continued above-target returns, ongoing solid regional bank performance and good expense discipline. &#160;On an adjusted basis<sup>1</sup>, earnings per share were $0.36.</p>  <p>&#8220;First Horizon&#8217;s third quarter results demonstrate our continued focus on our growth priorities,&#8221; said Bryan Jordan, First Horizon&#8217;s chairman and CEO. &#8220;We are leveraging our strong position in Tennessee and building momentum in our markets in the Carolinas and Florida. The Capital Bank transaction is delivering higher earnings accretion from cost savings and revenue synergies and has provided us with compelling opportunities. Looking ahead, we believe that First Horizon is well-positioned to deliver consistent top-quartile returns.&#8221;</p>  <p><strong><u>Third Quarter 2018 Financial Highlights: </u></strong></p> <table style="width:100%; border-collapse:collapse !important;;border-collapse: collapse; "><tr><td style="width:1.8in;;border-top: solid black 1pt ; border-right: solid black 1pt ; border-bottom: solid black 1pt ; border-left: solid black 1pt ; text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">Reported EPS / <br >Adjusted EPS:<br >$0.83 / $0.36<sup>1</sup></td><td style="width:0.5in;;border-right: solid black 1pt ; text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="width:1.8in;;border-top: solid black 1pt ; border-right: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">Reported ROTCE /<br >Adjusted ROTCE:<br >40.5%<sup>1</sup> / 17.9%<sup>1</sup></td><td style="width:0.5in;;border-right: solid black 1pt ; text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="width:1.8in;;border-top: solid black 1pt ; border-right: solid black 1pt ; border-bottom: solid black 1pt ; text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">Reported ROA /<br >Adjusted ROA:<br >2.72% / 1.21%<sup>1</sup></td></tr></table> <p><strong>Regional Banking Highlights </strong>(all comparisons versus third quarter 2017)</p>  <ul type="disc"><li>Net interest income was $302.4 million, up 45 percent, driven largely by accretion from the Capital Bank transaction as well as commercial loan growth in specialty areas.</li><li>Noninterest income increased 24 percent to $79.9 million, and pre-tax income increased 46 percent to $166.7 million, driven by the Capital Bank transaction.</li><li>Net income increased 74 percent to $127.6 million.</li><li>Average deposits increased by 38 percent.</li></ul>  <p><strong>Consolidated Highlights </strong>(all comparisons versus third quarter 2017)</p>  <ul type="disc"><li>Consolidated net interest margin expanded to 3.44 percent from 3.19 percent and net interest income was $305.7 million compared to $209.8 million, driven by higher loan balances following the Capital Bank transaction and increased interest rates.</li><li>Net income available to common shareholders was $270.3 million, or $0.83 per diluted share, compared to $67.3 million, or $0.28 per diluted share. The sale of Visa Class B Shares contributed $0.49 in third quarter 2018. &#160;</li><li>Total assets of $40.6 billion.</li><li>First Tennessee / Capital Bank maintained its number one deposit market share position in Tennessee.</li></ul>  <p>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<strong>&#160;</strong><br ><strong><u>Third Quarter 2018 Financial Highlights Compared to Second Quarter 2018</u></strong></p>  <p><strong>Regional Banking Highlights </strong>(all comparisons versus second quarter 2018)</p>  <ul type="disc"><li>Net interest income decreased 1% largely due to lower loan accretion associated with the Capital Bank transaction.</li><li>Efficiency ratio improved by 17 basis points due to ongoing cost discipline.</li><li>Average loans increased to $26.1 billion from $25.9 billion and average deposits increased to $27.6 billion from $27.4 billion, driven by strong growth in specialty lending areas and new markets as well as continued momentum in middle Tennessee.</li></ul>  <p><strong>Consolidated Highlights </strong>(all comparisons versus second quarter 2018)</p>  <ul type="disc"><li>Net income available to common shareholders increased $188.7 million for an increase of $0.58 in EPS, primarily driven by the sale of Visa Class B Shares.</li><li>Net interest margin declined to 3.44 percent from 3.53 percent and net interest income decreased $5.2 million, due to lower loan accretion associated with the Capital Bank transaction, the effect of loan sales during the second quarter, and the impact of higher interest rates on deposits.</li><li>Net charge-offs decreased to $1.5 million from $1.7 million.</li></ul>  <p><strong>Capital Highlights </strong></p>  <ul type="disc"><li>Declared $0.12 per common share quarterly dividend, which was paid on October 1, 2018.</li><li>Repurchased 1.1 million shares for $19.0 million with a volume weighted average price of $17.84.</li><li>Sold remaining holdings of Visa Class B Shares, resulting in a pre-tax gain of $212.9 million, strengthening capital ratios and adding $0.49 to book value per share and tangible book value per share.</li></ul>  <p><sup>1</sup> Includes a $212.9 million gain from the sale of Visa Class B Shares and $11.4 million of pre-tax acquisition-related expenses primarily associated with the Capital Bank Financial Corp. 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These profitability measures are reported to First Horizon&#8217;s management and directors through various internal reports. First Horizon&#8217;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. 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("CBF") acquisition which impact certain performance measures, and are adjusted using an incremental tax rate of approximately 24 percent.</p>  <p><strong>Conference call</strong></p>  <p>Management will hold a conference call at 8:30 a.m. CT 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 http://ir.fhnc.com. The call and slide presentation may involve forward-looking information, including guidance.</p>  <p>Callers wishing to participate may call toll-free starting at 8:15 a.m. CT on October 16 by dialing 888-317-6003 and entering access code 2143053. The number for international participants is 412-317-6061.</p>  <p>Participants can also listen to the live audio webcast with the accompanying slide presentation through the investor relations section of www.fhnc.com. A replay will be available from noon CT on October 16 until midnight CT on October 30. To listen to the replay, dial 877-344-7529 or 412-317-0088. The access code is 10124852. The event also will be archived and available beginning October 17 by midnight CT in the events and presentations section of http://ir.fhnc.com.</p>  <p><strong>Debt Investor Materials</strong></p>  <p>First Horizon expects to post additional materials for debt investors on November 16, 2018 in the investor relations section of www.FirstHorizon.com. First Horizon will also provide these materials to analysts at upcoming meetings.</p>  <p><strong>Disclaimers and Other Information </strong></p>  <p>This communication contains, and the debt investor materials above may contain, forward-looking statements, including guidance, involving significant risks and uncertainties. Forward-looking statements are identified by words such as &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;estimate,&#8221; &#8220;should,&#8221; &#8220;is likely,&#8221; &#8220;will,&#8221; &#8220;going forward&#8221; and other expressions that indicate future events and trends and may be followed by or reference cautionary statements.</p>  <p>A number of important factors could cause actual results to differ materially from those in the forward-looking statements. 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.</p>  <p><strong>About First Horizon </strong></p>  <p>First Horizon National Corp. (NYSE:FHN) provides financial services through its First Tennessee, Capital Bank, FTB Advisors, and FTN Financial businesses. First Horizon operates approximately 300 bank locations across the southern U.S. and 28 FTN Financial offices across the entire U.S.&#160; Our banking subsidiary was founded in 1864 and has the 14th oldest national bank charter in the country. Our First Tennessee and Capital Bank brands have the largest deposit market share in Tennessee and one of the highest customer retention rates of any bank in the country. We have been ranked by American Banker as No. 5 among the Top 10 Most Reputable U.S. Banks. Our FTB Advisors wealth management group has more than 300 financial professionals and provides services to about $4.8 billion in assets under management. &#160;FTN Financial is a capital markets industry leader in fixed income sales, trading and strategies for institutional customers in the U.S. and abroad. We have been recognized as one of the nation&#8217;s best employers by Working Mother and American Banker magazines and the National Association for Female Executives. More information is available at www.FirstHorizon.com.</p>  <p>FHN-G</p>  <p><strong>CONTACT: </strong><br >First Horizon Investor Relations, Aarti Bowman, (901) 523-4017<br >First Horizon Media Relations, Silvia Alvarez, (901) 523-4465</p>  <p>A PDF accompanying this announcement is available at&#160;http://resource.globenewswire.com/Resource/Download/fc41d2ec-9ca9-488a-b96c-e2da9cd20264</p>  <p>&#160;<br ></p> </p><p ></p></body></html>
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