<SEC-DOCUMENT>0001171843-19-004598.txt : 20190716
<SEC-HEADER>0001171843-19-004598.hdr.sgml : 20190716
<ACCEPTANCE-DATETIME>20190716063021
ACCESSION NUMBER:		0001171843-19-004598
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190716
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190716
DATE AS OF CHANGE:		20190716

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:		19956185

	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_071619.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): <!--July 16, 2019-->July 16, 2019 &#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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text-align: center; white-space: nowrap;"><font style="font-size: 10pt;">$0.625 Par Value Common Capital Stock</font></td><td style="border-top: Black 1pt solid; border-left: Black 1pt solid; text-align: center; white-space: nowrap;"><font style="font-size: 10pt;">FHN</font></td><td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; text-align: center; white-space: nowrap;"><font style="font-size: 10pt;">New York Stock Exchange, Inc.</font></td></tr><tr><td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; white-space: nowrap;"><p style="font-size: 10pt; text-align: center; margin: 0pt 0;">Depositary Shares, each representing a 1/4,000th interest in</p><p style="font-size: 10pt; text-align: center; margin: 0pt 0;">a share of Non-Cumulative Perpetual Preferred Stock, Series A</p></td><td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; text-align: center; white-space: nowrap;"><font style="font-size: 10pt;">FHN PR A</font></td><td style="border: Black 1pt solid; text-align: center; white-space: nowrap;"><font style="font-size: 10pt;">New York Stock Exchange, Inc.</font></td></tr></table><p style="margin: 0;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR &sect;230.405) or Rule&#160;12b-2&#160;of the Securities Exchange Act of 1934 (17 CFR&#160;&sect;240.12b-2).&#160;Emerging growth company [&#160;&#160; ]</p><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">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. [&#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;">
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The exhibit speaks as of the date thereof and FHN does not assume any obligation to update in the future the information therein.</font></p><p style="margin-left: 0in; margin-right: 0in;" align="justify"><font style="font-size: 10pt; font-family: 'times new roman';"><strong>Use of Non-GAAP Measures and Regulatory Measures that are not GAAP in the Exhibit</strong></font></p><p style="margin-left: 0in; margin-right: 0in;" align="justify"><font style="font-size: 10pt; font-family: 'times new roman';">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.</font></p><p style="margin-left: 0in; margin-right: 0in;" align="justify"><font style="font-size: 10pt; font-family: 'times new roman';">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"), adjusted return on average common equity ("ROCE"), adjusted earnings per share ("EPS")<font style="font-family: 'times new roman', roman, serif;">, and adjusted efficiency ratio.</font></font></p><p style="margin-left: 0in; margin-right: 0in;" align="justify"><font style="font-size: 10pt; font-family: 'times new roman';">Reconciliations of non-GAAP to GAAP measures and presentation of the most comparable GAAP items are presented at the end of the earnings release.</font></p><p style="margin-left: 0in; margin-right: 0in;" align="justify"><font style="font-size: 10pt; font-family: 'times new roman';"><strong>Forward-Looking Statements</strong></font></p><p style="margin-left: 0in; margin-right: 0in;" align="justify"><font style="font-size: 10pt; font-family: 'times new roman';">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.</font></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;">
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<DOCUMENT>
<TYPE>EX-99.1
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<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
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<!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;"><font style="font-size: 14pt;"><strong>First Horizon Reports Second Quarter Results and Highlights</strong></font></p><p style="text-align: center;"><strong>Steady Balance Sheet Growth, Higher Revenues, and Focus on Efficiency Continue Company&#8217;s Momentum in 2019</strong></p><p>
 <p align="left">MEMPHIS, Tenn., July  16, 2019  (GLOBE NEWSWIRE) -- First Horizon National Corp. (NYSE:FHN) today announced its second quarter 2019 financial results. Reported earnings per share (EPS) were $0.35, up from $0.31 in first quarter 2019; on an adjusted basis<sup>1</sup>, earnings per share were $0.42, up from $0.35 in first quarter 2019.<br ></p>  <p>&#8220;Our results demonstrated our commitment to achieve our Capital Bank merger objectives and the strategic priorities we laid out during our Investor Day to transform First Horizon,&#8221; said Bryan Jordan, First Horizon&#8217;s chairman and CEO. &#8220;In the second quarter, we gained loan and deposit growth momentum within our key markets and specialty areas, exercised good expense discipline while reinvesting in the company, and continued to strengthen our balance sheet. 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Net charge-offs were $5.2 million in 2Q19 compared to $4.5 million in 1Q19; increase driven by one mortgage warehouse lending relationship</li><li>Increase in reserves primarily driven by loan growth within the commercial portfolio partially offset by declining balances in the non-strategic portfolio</li><li>Nonperforming loans increased $29 million, primarily driven by one mortgage warehouse lending relationship</li><li>30+ delinquencies improved</li></ul>  <p><strong>Use of Non-GAAP Measures</strong><br >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 earnings per share ("EPS"), adjusted return on average assets ("ROA"), adjusted return on average common equity (&#8220;ROCE&#8221;), return on average tangible common equity ("ROTCE"), adjusted ROTCE, and adjusted efficiency ratio. 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">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; "><strong>%</strong></td><td colspan="2" style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">63.90</td><td style="vertical-align: top ; ">&#160;</td><td style="text-align: right ;  vertical-align: middle; vertical-align: bottom ; ">%</td></tr></table> <p>(a) 2Q19 includes $18.7 million of pre-tax restructuring-related expenses associated with efficiency initiatives, $9.1 million of pre-tax rebranding expenses, $8.6 million of pre-tax acquisition-related expenses primarily associated with the Capital Bank Financial Corp. (&#8220;CBF&#8221;) acquisition, and an $8.3 million pre-tax expense reversal related to the settlement of litigation matters; 1Q19 includes $12.2 million of pre-tax restructuring-related expenses and $5.7 million of pre-tax acquisition-related expenses, all of which impact certain performance measures, and have been adjusted using an incremental tax rate of approximately 21 percent in 2Q19 and 23 percent in 1Q19.</p>  <p>&#160;(b) Includes goodwill and other intangible assets, net of amortization.</p>  <p><strong>Conference call</strong><br >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.&#160; The call and slide presentation may involve forward-looking information, including guidance.</p>  <p>Analysts, investors and interested parties may call toll-free starting at 8:15 a.m. Central Time today by dialing 888-317-6003 (if calling from the U.S.) or 412-317-6061 (if calling from outside the U.S) and entering access code 8792639.</p>  <p>A replay of the call will be available beginning at noon Central Time today until midnight Central Time on July 30. To listen to the replay, dial 877-344-7529 (U.S. callers) or 412-317-0088 (international callers); the access code is 10132995. A replay of the webcast will also be available at http://ir.fhnc.com/Event by midnight Central Time on July 16 and will be archived on the site for one year.</p>  <p><strong>Disclaimers and Other Information</strong><br >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.</p>  <p><strong>About First Horizon</strong><br >First Horizon National Corp. (NYSE:FHN) provides financial services through its Capital Bank, First Tennessee Bank, FTB Advisors, and FTN Financial businesses. The banking subsidiary was founded in 1864 and has the largest deposit market share in Tennessee. The company operates more than 250 bank locations across the Southeast and 29 FTN Financial offices across the U.S. FTB Advisors wealth management group has more than 300 financial professionals and about $4.8 billion in assets under management. FTN Financial is a capital markets industry leader in fixed income sales, trading and strategies for institutional customers in the U.S. and abroad. The company has been ranked by American Banker magazine among the Top 10 Most Reputable U.S. banks and as one of the nation&#8217;s best employers by the National Association for Female Executives and Fortune magazine. More information is available at www.FirstHorizon.com.</p>  <p>FHN-G</p>  <p><strong>CONTACT:</strong>&#160;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://ml.globenewswire.com/Resource/Download/bb81751b-5347-40cc-9231-4480724df27f</p> </p><p ></p></body></html>
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