Financial Data and Key Metrics Changes - The fourth quarter earnings were $28.1 million or $0.50 per diluted share, with an adjusted EPS of $0.76, reflecting a $0.20 increase from the previous quarter [45] - Total footings increased just under $180 million for the quarter, with loan growth of $183 million representing an annualized growth rate of 6% [50] - Adjusted net interest margin was 3.29%, down 6 basis points from Q3, while adjusted loan yields increased 10 basis points [54] Business Line Data and Key Metrics Changes - Income from the mortgage division, excluding the MSR gain, declined by $1.5 million from the third quarter, with interest rate lock volume down by $152 million [48] - Non-interest income for the fourth quarter included a $2.3 million payment related to a loan recovery agreement, contributing to overall income [48] Market Data and Key Metrics Changes - Core deposit growth was $215 million on a linked quarter basis, with a focus on managing funding costs through competitive pressures [46] - The average deposit account is $28,000, indicating a diverse and granular deposit base [51] Company Strategy and Development Direction - The company aims to continue shifting reliance away from non-core funding sources while focusing on core deposit growth [50] - Management emphasized the importance of expense control and maintaining strong asset quality as key strategies moving into 2024 [41][42] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism for 2024, highlighting the potential for modest margin expansion if interest rates remain stable [8][61] - There is an expectation of some volatility in asset quality in 2024 due to loan repricing and economic cycles [12] Other Important Information - The company recorded a credit loss provision of $2.5 million, with net charge-offs at $1.79 million, representing an annualized rate of 6 basis points [52] - The effective tax rate for Q4 was lower due to an impairment charge, with a forecasted effective tax rate for 2024 expected to be in the range of 21% to 22% [35] Q&A Session Summary Question: Inquiry about margin outlook - Management indicated that assuming no interest rate cuts, the margin is likely close to bottom and could show moderate upside in 2024 [61] Question: Follow-up on fixed-rate pricing opportunities - Approximately $700 million in fixed-rate loans will reprice in 2024, with an expected yield increase to the upper 7% to 8% range [4][7] Question: Credit quality and reserve release potential - Management does not anticipate a reserve release in the near future, preferring to use provisions for loan growth opportunities [12][14]

14 Understanding You。 Appendix Available Liquidity and Uninsured Deposits Understanding You. $7.7 $4.3 Available sources Uninsured and uncollateralized deposits | --- | --- | --- | |-------------------------------------|-------|-------| | | | | | Liquidity Sources | | | | Internal Sources | | | | Cash and cash equivalents | | $ 0.8 | | Unencumbered securities(1) 0.9 | | | | External Sources | | | | FHLB borrowing capacity(2) 2.9 | | | | Federal Reserve Discount Window 0.6 | | | | Other(3) 2.5 | | | | Total ...

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 September 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 num ...

Renasant Corporation (NYSE:RNST) Q3 2023 Earnings Conference Call October 25, 2023 10:00 AM ET Company Participants Kelly Hutcheson - Chief Accounting Officer Mitchell Waycaster - Executive Vice Chairman and Chief Executive Officer Kevin Chapman - President and Chief Operating Officer James Mabry - Chief Financial Officer David Meredith - Senior Executive Vice President and Chief Credit Officer Conference Call Participants Michael Rose - Raymond James Catherine Mealor - KBW Dave Bishop - Hovde Group Jordan ...

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 RENASANT CORPORATION (Exact name of registrant as specified in its charter) ________________________________________________________ Mississippi 64-0676974 (State or other jurisdiction of (I.R.S. E ...

Forward-Looking Statements Management believes that the assumptions underlying our forward-looking statements are reasonable, but any of the assumptions could prove to be inaccurate. Investors are urged to carefully consider the risks described in Renasant's filings with the Securities and Exchange Commission ("SEC") from time to time, including its most recent Annual Report on Form 10-K and subsequent Quarterly Reports on Form 10-Q, which are available at www.renasant.com and the SEC's website at www.sec.g ...

Renasant Corporation (NYSE:RNST) Q2 2023 Earnings Conference Call July 26, 2023 10:00 AM ET Company Participants Kelly Hutcheson - Chief Accounting Officer Mitch Waycaster - Executive Vice Chairman and Chief Executive Officer Kevin Chapman - President and Chief Operating Officer Jim Mabry - Chief Financial Officer Conference Call Participants Thomas Wendler - Stephens Will Jones - KBW Michael Rose - Raymond James Stephen Scouten - Piper Sandler Operator Good morning and welcome to the Renasant Corporation 2 ...

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 March 31, 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: ...

$1.2 $0.9 $0.6 $0.5 $0.6 $- $0 $0 $1 $1 $1 $1 $1 1Q 2022 2Q 2022 3Q 2022 4Q 2022 1Q 2023 *Gain on sale margin excludes pipeline fair value adjustments and buyback reserve activity included in "Gain on sales of loans, net" in the table above Salaries and employee benefits 65% Data processing 3% Net occupancy and equipment 11% Intangible amortization 1% Other 20% 29 23% 8% 1% 30% 2% 5% 5% 9% 10% 3%4% Composition Highlights • 0.04% past due or nonaccrual 32 | --- | --- | --- | --- | |-------|------------------ ...

Renasant Corporation (NYSE:RNST) Q1 2023 Earnings Conference Call April 26, 2023 10:00 AM ET Corporate Participants Kelly Hutcheson - Chief Accounting Officer, Executive Vice President Mitch Waycaster - President and Chief Executive Officer Kevin Chapman - Chief Operating Officer, Senior Executive Vice President Jim Mabry - Chief Financial Officer, Senior Executive Vice President David Meredith - Chief Credit Officer, Senior Executive Vice President Conference Call Participants Brad Milsaps - Piper Sandler ...