First Horizon National Corporation's (NYSE: FHN) earnings will likely plunge this year on the back of a decline in net interest margin following the federal funds rate cuts. The time lag in deploying deposits assumed from Truist Financial Corporation will also temporarily shrink the margin. Moreover, provisions expenses will likely surge this year due to the oil sector exposure, which will further pressurize earnings. On the other hand, the fixed income business will support the bottom-line because the decline in interest rates will boost the business' income. Overall, I'm expecting FHN's earnings per share