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Table of Contents
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 ________________________________________________________
FORM 10-Q
 ________________________________________________________
(Mark One)
Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the quarterly period ended June 30, 2023
Or
Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the transition period from                      to                     
Commission file number: 001-13253
 ________________________________________________________
RENASANT CORPORATION
(Exact name of registrant as specified in its charter)
 ________________________________________________________
Mississippi 64-0676974
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)
209 Troy Street,Tupelo,Mississippi 38804-4827
(Address of principal executive offices) (Zip Code)
(662) 680-1001
(Registrant’s telephone number, including area code)
 ________________________________________________________
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common stock, $5.00 par value per shareRNSTThe NASDAQ Stock Market LLC
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes      No  
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes      No  
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filerAccelerated filer
Non-accelerated filer
Smaller reporting company
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.
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes      No  


Table of Contents
As of July 31, 2023, 56,136,863 shares of the registrant’s common stock, $5.00 par value per share, were outstanding.


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Renasant Corporation and Subsidiaries
Form 10-Q
For the Quarterly Period Ended June 30, 2023
CONTENTS
 
  Page
PART I
Item 1.
Consolidated Balance Sheets
Item 2.
Item 3.
Item 4.
PART II
Item 1A.
Item 2.
Item 5.
Item 6.


Table of Contents


PART I. FINANCIAL INFORMATION
Item 1. FINANCIAL STATEMENTS

Renasant Corporation and Subsidiaries
Consolidated Balance Sheets

(In Thousands, Except Share Data)
(Unaudited)
June 30,
2023
December 31, 2022
Assets
Cash and due from banks$211,452 $193,513 
Interest-bearing balances with banks735,447 382,479 
Cash and cash equivalents946,899 575,992 
Securities held to maturity (net of allowance for credit losses of $32 at each of June 30, 2023 and December 31, 2022) (fair value of $1,153,541 and $1,206,540, respectively)
1,273,044 1,324,040 
Securities available for sale, at fair value950,930 1,533,942 
Loans held for sale, at fair value249,615 110,105 
Loans held for investment, net of unearned income11,930,516 11,578,304 
Allowance for credit losses on loans(194,391)(192,090)
Loans, net11,736,125 11,386,214 
Premises and equipment, net285,952 283,595 
Other real estate owned, net5,120 1,763 
Goodwill991,665 991,708 
Other intangible assets, net21,381 24,176 
Bank-owned life insurance377,649 373,808 
Mortgage servicing rights87,432 84,448 
Other assets298,530 298,385 
Total assets$17,224,342 $16,988,176 
Liabilities and shareholders’ equity
Liabilities
Deposits
Noninterest-bearing$3,878,953 $4,558,756 
Interest-bearing10,216,408 8,928,210 
Total deposits14,095,361 13,486,966 
Short-term borrowings257,305 712,232 
Long-term debt429,630 428,133 
Other liabilities233,418 224,829 
Total liabilities15,015,714 14,852,160 
Shareholders’ equity
Preferred stock, $0.01 par value – 5,000,000 shares authorized; no shares issued and outstanding
  
Common stock, $5.00 par value – 150,000,000 shares authorized; 59,296,725 shares issued; 56,132,478 and 55,953,104 shares outstanding, respectively
296,483 296,483 
Treasury stock, at cost – 3,164,247 and 3,343,621 shares, respectively
(105,589)(111,577)
Additional paid-in capital1,301,883 1,302,422 
Retained earnings907,312 857,725 
Accumulated other comprehensive loss, net of taxes(191,461)(209,037)
Total shareholders’ equity2,208,628 2,136,016 
Total liabilities and shareholders’ equity$17,224,342 $16,988,176 
See Notes to Consolidated Financial Statements.    
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Renasant Corporation and Subsidiaries
Consolidated Statements of Income (Unaudited)
(In Thousands, Except Share Data)
Three Months EndedSix Months Ended
 June 30,June 30,
 2023202220232022
Interest income
Loans$176,188 $108,995 $339,712 $207,687 
Securities
Taxable12,300 10,567 25,553 19,501 
Tax-exempt1,700 1,904 3,538 3,805 
Other6,978 1,954 12,408 2,618 
Total interest income197,166 123,420 381,211 233,611 
Interest expense
Deposits51,391 5,018 84,257 10,655 
Borrowings15,559 4,887 30,963 9,812 
Total interest expense66,950 9,905 115,220 20,467 
Net interest income130,216 113,515 265,991 213,144 
Provision for credit losses on loans3,000 2,000 10,960 3,500 
Net interest income after provision for credit losses127,216 111,515 255,031 209,644 
Noninterest income
Service charges on deposit accounts9,733 9,734 18,853 19,296 
Fees and commissions4,987 4,668 9,663 8,650 
Insurance commissions2,809 2,591 5,255 5,145 
Wealth management revenue5,338 5,711 10,478 11,635 
Mortgage banking income9,771 8,316 18,288 17,949 
Net loss on sales of securities(22,438) (22,438) 
BOLI income2,402 2,331 5,405 4,484 
Other4,624 3,863 9,015 7,513 
Total noninterest income17,226 37,214 54,519 74,672 
Noninterest expense
Salaries and employee benefits70,637 65,580 140,469 127,819 
Data processing3,684 3,590 7,317 7,853 
Net occupancy and equipment11,865 11,155 23,270 22,431 
Other real estate owned51 (187)81 (428)
Professional fees4,012 2,778 7,479 5,929 
Advertising and public relations3,482 3,406 8,168 7,465 
Intangible amortization1,369 1,310 2,795 2,676 
Communications2,226 1,904 4,206 3,931 
Merger and conversion related expenses   687 
Restructuring charges 1,187  732 
Other11,839 7,471 23,088 13,204 
Total noninterest expense109,165 98,194 216,873 192,299 
Income before income taxes35,277 50,535 92,677 92,017 
Income taxes6,634 10,857 17,956 18,792 
Net income$28,643 $39,678 $74,721 $73,225 
Basic earnings per share$0.51 $0.71 $1.33 $1.31 
Diluted earnings per share$0.51 $0.71 $1.33 $1.30 
Cash dividends per common share$0.22 $0.22 $0.44 $0.44 
See Notes to Consolidated Financial Statements.
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Renasant Corporation and Subsidiaries
Consolidated Statements of Comprehensive Income (Unaudited)
(In Thousands)
 
Three Months EndedSix Months Ended
 June 30,June 30,
 2023202220232022
Net income$28,643 $39,678 $74,721 $73,225 
Other comprehensive income (loss), net of tax:
Securities available for sale:
Unrealized holding losses on securities(15,930)(56,958)(399)(157,420)
Reclassification adjustment for losses realized in net income16,816  16,816  
Amortization of unrealized holding losses (gains) on securities transferred to the held to maturity category2,252 (164)4,580 (238)
Total securities available for sale3,138 (57,122)20,997 (157,658)
Derivative instruments:
Unrealized holding (losses) gains on derivative instruments(2,361)6,262 (3,593)12,641 
Total derivative instruments(2,361)6,262 (3,593)12,641 
Defined benefit pension and post-retirement benefit plans:
Amortization of net actuarial loss recognized in net periodic pension cost86 31 172 62 
Total defined benefit pension and post-retirement benefit plans86 31 172 62 
Other comprehensive income (loss), net of tax863 (50,829)17,576 (144,955)
Comprehensive income (loss)$29,506 $(11,151)$92,297 $(71,730)

See Notes to Consolidated Financial Statements.
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Renasant Corporation and Subsidiaries
Consolidated Statements of Changes in Shareholders’ Equity
(Unaudited)

(In Thousands, Except Share Data)

Common StockTreasury StockAdditional Paid-In CapitalRetained EarningsAccumulated Other Comprehensive Income (Loss)Total
Six Months Ended June 30, 2023SharesAmount
Balance at January 1, 202355,953,104 $296,483 $(111,577)$1,302,422 $857,725 $(209,037)$2,136,016 
Net income— — — — 46,078 — 46,078 
Other comprehensive income— — — — — 16,713 16,713 
Comprehensive income62,791 
Cash dividends ($0.22 per share)
— — — — (12,561)— (12,561)
Issuance of common stock for stock-based compensation awards120,554 — 4,018 (6,409)— — (2,391)
Stock-based compensation expense— — — 3,445 — — 3,445 
Balance at March 31, 202356,073,658 $296,483 $(107,559)$1,299,458 $891,242 $(192,324)$2,187,300 
Net income— $— $— $— $28,643 $— $28,643 
Other comprehensive income— — — — — 863 863 
Comprehensive income29,506 
Cash dividends ($0.22 per share)
— — — — (12,573)— (12,573)
Issuance of common stock for stock-based compensation awards58,820 — 1,970 (970)— — 1,000 
Stock-based compensation expense— — — 3,395 — — 3,395 
Balance at June 30, 202356,132,478 $296,483 $(105,589)$1,301,883 $907,312 $(191,461)$2,208,628 
Common StockTreasury StockAdditional Paid-In CapitalRetained EarningsAccumulated Other Comprehensive LossTotal
Six Months Ended June 30, 2022SharesAmount
Balance at January 1, 202255,756,233 $296,483 $(118,027)$1,300,192 $741,648 $(10,443)$2,209,853 
Net income— — — — 33,547 — 33,547 
Other comprehensive loss— — — — — (94,126)(94,126)
Comprehensive loss(60,579)
Cash dividends ($0.22 per share)
— — — — (12,505)— (12,505)
Issuance of common stock for stock-based compensation awards124,433 — 3,977 (6,442)— — (2,465)
Stock-based compensation expense— — — 3,338 — — 3,338 
Balance at March 31, 202255,880,666 $296,483 $(114,050)$1,297,088 $762,690 $(104,569)$2,137,642 
Net income— $— $— $— $39,678 $— $39,678 
Other comprehensive loss— — — — — (50,829)(50,829)
Comprehensive loss(11,151)
Cash dividends ($0.22 per share)
— — — — (12,488)— (12,488)
Issuance of common stock for stock-based compensation awards51,351 — 1,755 (1,833)— — (78)
Stock-based compensation expense— — — 2,952 — — 2,952 
Balance at June 30, 202255,932,017 $296,483 $(112,295)$1,298,207 $789,880 $(155,398)$2,116,877 

See Notes to Consolidated Financial Statements.
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Renasant Corporation and Subsidiaries
Consolidated Statements of Cash Flows (Unaudited)
(In Thousands)
 Six Months Ended June 30,
 20232022
Operating activities
Net income$74,721 $73,225 
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Provision for credit losses10,960 3,500 
Depreciation, amortization and accretion18,365 23,947 
Deferred income tax expense302 5,150 
Funding of mortgage loans held for sale(659,921)(1,076,613)
Proceeds from sales of mortgage loans held for sale526,853 1,345,924 
Gains on sales of mortgage loans held for sale(9,417)(9,537)
Losses on sales of securities22,438  
Losses (gains) on sales of premises and equipment7 (236)
Stock-based compensation expense6,840 6,290 
Increase in other assets(26,264)(2,867)
Increase (decrease) in other liabilities3,576 (19,077)
Net cash (used in) provided by operating activities(31,540)349,706 
Investing activities
Purchases of securities available for sale (609,752)
Proceeds from sales of securities available for sale488,981  
Proceeds from call/maturities of securities available for sale90,830 249,394 
Purchases of securities held to maturity (91,803)
Proceeds from call/maturities of securities held to maturity54,123 17,262 
Net increase in loans(363,231)(555,936)
Purchases of premises and equipment(12,353)(5,865)
Proceeds from sales of premises and equipment 933 
Purchase of bank-owned life insurance (80,000)
Net change in FHLB stock13,268 (3,526)
Proceeds from sales of other assets827 1,524 
Net cash paid in acquisition of businesses (10,066)
Other, net1,668 622 
Net cash provided by (used in) investing activities274,113 (1,087,213)
Financing activities
Net (decrease) increase in noninterest-bearing deposits(679,803)23,273 
Net increase (decrease) in interest-bearing deposits1,288,198 (165,068)
Net (decrease) increase in short-term borrowings(454,927)69,215 
Repayment of long-term debt (32,417)
Cash paid for dividends(25,134)(24,993)
Net cash provided by (used in) financing activities128,334 (129,990)
Net increase (decrease) in cash and cash equivalents370,907 (867,497)
Cash and cash equivalents at beginning of period575,992 1,877,965 
Cash and cash equivalents at end of period$946,899 $1,010,468 
Supplemental disclosures
Cash paid for interest$91,861 $19,959 
Cash paid for income taxes$23,071 $6,367 
Noncash transactions:
Transfers of loans to other real estate owned$4,119 $1,284 
Recognition of operating right-of-use assets$611 $1,595 
Recognition of operating lease liabilities$611 $1,595 

See Notes to Consolidated Financial Statements.
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Renasant Corporation and Subsidiaries
Notes to Consolidated Financial Statements (Unaudited)

Note 1 – Summary of Significant Accounting Policies

(In Thousands)
Nature of Operations: Renasant Corporation (referred to herein as the “Company”) owns and operates Renasant Bank (“Renasant Bank” or the “Bank”), Renasant Insurance, Inc., Park Place Capital Corporation and Continental Republic Capital, LLC (doing business as “Republic Business Credit”). Through its subsidiaries, the Company offers a diversified range of financial, wealth management, fiduciary and insurance services to its retail and commercial customers from offices located throughout the Southeast and offers factoring and asset-based lending on a nationwide basis.
The Bank acquired Southeastern Commercial Finance, LLC (“SCF”), an asset-based lending company headquartered in Birmingham, Alabama, effective March 1, 2022. Prior to the end of the third quarter of 2022, all of SCF's assets were distributed to the Bank in connection with the conversion and integration of SCF into the Bank.
In September 2022, the Bank formed Renasant Capital Funding Corporation (the “REIT”), which is intended to qualify as a real estate investment trust under the Internal Revenue Code of 1986, as amended. The REIT purchases from the Bank, either by assignment or participation, eligible loans collateralized by real estate located in Georgia and Florida, which allows for more effective monitoring of the loans and better managing liquidity related to such real estate assets. The arrangement provides tax benefits in certain states in which the Company operates.
The Bank acquired Republic Business Credit, a factoring and asset-based lending company headquartered in New Orleans, Louisiana (“RBC”), effective December 30, 2022.
Basis of Presentation: The accompanying unaudited consolidated financial statements of the Company and its subsidiaries have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. For further information regarding the Company’s significant accounting policies, refer to the audited consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2022 filed with the Securities and Exchange Commission on February 24, 2023.
Use of Estimates: The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates, and such differences may be material.

Impact of Recently-Issued Accounting Standards and Pronouncements:
In March 2023, the Financial Accounting Standards Board issued Accounting Standards Update (“ASU”) 2023-02, “Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method” (“ASU 2023-02”), which permits reporting entities to elect to account for their tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met. ASU 2023-02 will be effective on January 1, 2024. Early adoption is permitted, including in an interim period. The adoption of this accounting pronouncement will have no impact on the Company’s historical financial statements but could influence the Company’s decisions with respect to investments in certain tax credits prospectively.
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Renasant Corporation and Subsidiaries
Notes to Consolidated Financial Statements (Unaudited)
Note 2 – Securities
(In Thousands, Except Number of Securities)

The amortized cost and fair value of securities available for sale were as follows as of the dates presented in the tables below.

There was no allowance for credit losses allocated to any of the Company’s available for sale securities as of June 30, 2023 or December 31, 2022.
 
Amortized
Cost
Gross
Unrealized
Gains
Gross
Unrealized
Losses
Fair
Value
June 30, 2023