First Quarter 2022 Earnings Call Forward-Looking Statements This presentation may contain various statements about Renasant Corporation ("Renasant," "we," "our," or "us") that constitute "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements preceded by, followed by or that otherwise include the words "believes," "expects," "projects," "anticipates," "intends," "estimates," "plan ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 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 64-0 ...

Fourth Quarter 2021 Earnings Call Forward-Looking Statements This presentation may contain various statements about Renasant Corporation ("Renasant," "we," "our," or "us") that constitute "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements preceded by, followed by or that otherwise include the words "believes," "expects," "projects," "anticipates," "intends," "estimates," "pla ...

Start Time: 10:00 January 1, 0000 10:45 AM ET Renasant Corporation (NYSE:RNST) Q4 2021 Earnings Conference Call January 26, 2022, 10:00 AM ET Company Participants Mitch Waycaster - President and CEO Kevin Chapman - Senior EVP and COO Jim Mabry - EVP and CFO Kelly Hutcheson - EVP and CAO Conference Call Participants Thomas Wendler - Stephens Joseph Yanchunis - Raymond James Jennifer Demba - Truist Securities Brad Milsaps - Piper Sandler Kevin Fitzsimmons - D.A. Davidson Catherine Mealor - Keefe, Bruyette & W ...

Financial Performance - Net income for Q3 2021 was $40,063, an increase from $29,992 in Q3 2020, with EPS rising to $0.71 from $0.53[207] - Net interest income for Q3 2021 was $103,292, slightly down from $106,286 in Q3 2020, while for the nine months ended September 30, 2021, it was $322,519 compared to $318,670 in the same period of 2020[211] - Net interest income for the nine months ended September 30, 2021, was $327,625 million, a decrease of 5.2% from $345,232 million in the same period of 2020[217] - Noninterest income for Q3 2021 was $50,755 million, down from $70,928 million in Q3 2020, while for the nine months ended September 30, 2021, it increased to $179,402 million from $172,668 million in 2020[226] - Investment income for Q3 2021 increased to $8,985 million from $7,678 million in Q3 2020, but decreased to $23,992 million for the nine months ended September 30, 2021, down from $25,757 million in the same period of 2020[222] Asset and Liability Management - Total assets increased to $16,155,550 as of September 30, 2021, from $14,929,612 at December 31, 2020, representing an increase of approximately 8.2%[190] - Total loans, excluding loans held for sale, decreased to $10,016,824 at September 30, 2021, down from $10,933,647 at December 31, 2020, a decline of about 8.4%[196] - Total deposits rose to $13,254,829 at September 30, 2021, compared to $12,059,081 at December 31, 2020, marking an increase of approximately 9.9%[200] - Total interest-earning assets increased to $13,869,538 million for the nine months ended September 30, 2021, compared to $12,475,561 million in 2020, reflecting a growth of 11.2%[213] - Total interest-bearing liabilities increased to $9,095,020 million for the nine months ended September 30, 2021, compared to $8,776,993 million in 2020[213] Credit Quality and Losses - The allowance for credit losses on loans was $170,038 as of September 30, 2021, representing 1.70% of total loans[264] - The Company recorded a negative provision (recovery) for credit losses of $1,200 during the third quarter of 2021, compared to a provision of $23,100 in Q3 2020[262] - Net charge-offs for the first nine months of 2021 were $4,906, or 0.06% of average loans, compared to $2,898, or 0.04% for the same period in 2020[255] - Nonperforming loans as a percentage of total loans was 299.68% as of September 30, 2021[264] - The Company’s allowance for credit losses model considers economic projections, primarily the national unemployment rate and GDP, over a two-year forecast period[263] Capital Management - Total shareholders' equity increased to $2,203,944 at September 30, 2021, compared to $2,132,733 at December 31, 2020, with a book value per share of $39.53[305] - Common equity tier 1 capital ratio for Renasant Corporation is 11.02%, exceeding the well-capitalized minimum requirement of 6.50%[313] - Total risk-based capital ratio for Renasant Corporation is 14.66%, above the well-capitalized minimum requirement of 10.00%[313] - The Company has junior subordinated debentures with a carrying value of $111,228, of which $107,637 is included in Tier 1 capital as of September 30, 2021[309] - The Company has subordinated notes with a carrying value of $207,210, with $197,360 included in Tier 2 capital as of September 30, 2021[310] Interest Rate Risk Management - The company actively monitors interest rate risk through its Asset/Liability Committee to manage the impact of interest rate fluctuations on profitability[282] - The projected impact of a +200 basis points change in interest rates results in an 11.83% increase in Economic Value Equity (EVE) and a 16.87% increase in earnings at risk (net interest income) for the 1-12 month period[285] - As of September 30, 2021, the Company had notional amounts of $190,200 in interest rate contracts with corporate customers and an equal amount in offsetting contracts with other financial institutions[287] Operational Efficiency - The efficiency ratio (GAAP) for Q3 2021 was 66.77%, compared to 65.16% in Q3 2020, and for the nine months, it was 64.85% in 2021 versus 70.49% in 2020[246] - Adjusted Efficiency Ratio (non-GAAP) for the three months ended September 30, 2021, is 66.06%[316] - Noninterest expense decreased to $103,999 for Q3 2021 from $116,510 in Q3 2020, and for the nine months ended September 30, 2021, it was $328,711 compared to $349,836 in 2020[235] Deposit Composition - Noninterest-bearing deposits increased to $4,492,650 at September 30, 2021, from $3,685,048 at December 31, 2020, reflecting a growth of about 21.9%[200] - Noninterest-bearing deposits represented 33.89% of total deposits at September 30, 2021, compared to 30.56% at December 31, 2020, driven by government stimulus payments[224] - Public fund deposits rose to $1,534,547 as of September 30, 2021, compared to $1,398,330 at December 31, 2020[202] Loan Portfolio - Total real estate – commercial mortgage loans accounted for 45.27% of total loans as of September 30, 2021[198] - The Company’s loan portfolio includes $73,895 million in commercial mortgages, accounting for 45.27% of total loans as of September 30, 2021[261] - Loans held for sale increased to $452,869 at September 30, 2021, compared to $417,771 at December 31, 2020, an increase of approximately 8.4%[195] - The Company had 41 loans on deferral with an aggregate balance of approximately $3,360, representing 0.04% of the loan portfolio (excluding PPP loans) as of September 30, 2021[248] Stock Repurchase and Shareholder Returns - The Company repurchased $21,315 of its common stock at a weighted average price of $34.82 per share during the first nine months of 2021[307] - A new stock repurchase program was approved on October 26, 2021, authorizing the repurchase of up to $50,000 of outstanding common stock[308]

Renasant Corporation (NYSE:RNST) Q3 2021 Results Earnings Conference Call October 29, 2021 10:00 AM ET Company Participants Kelly Hutcheson - Executive Vice President and Chief Accounting Officer Mitch Waycaster - President, Chief Executive Officer Kevin Chapman - Executive Vice President, Chief Operating Officer Jim Mabry - Executive Vice President, Chief Financial Officer David Meredith - Executive Vice President; Chief Credit Conference Call Participants Brad Milsaps - Piper Sandler Kevin Fitzsimmons - D ...

Third Quarter 2021 Earnings Call Forward-Looking Statements This presentation may contain various statements about Renasant Corporation ("Renasant," "we," "our," or "us") that constitute "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements preceded by, followed by or that otherwise include the words "believes," "expects," "projects," "anticipates," "intends," "estimates," "plan ...

Second Quarter 2021 Investor Presentation Forward-Looking Statements This presentation may contain various statements about Renasant Corporation ("Renasant," "we," "our," or "us") that constitute "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements preceded by, followed by or that otherwise include the words "believes," "expects," "projects," "anticipates," "intends," "estimate ...

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, 2021 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: ...

Renasant Corporation (NYSE:RNST) Q2 2021 Earnings Conference Call July 28, 2021 10:00 AM ET Company Participants Kelly Hutcheson - Principal Accounting Officer Mitch Waycaster - President & CEO Kevin Chapman - COO Jim Mabry - CFO Conference Call Participants Kevin Fitzsimmons - D. A. Davidson Jennifer Demba - Truist Securities Brad Milsaps - Piper Sandler Michael Rose - Raymond James Matt Olney - Stephens Catherine Mealor - KBW Operator Good day and welcome to the Renasant Corporation 2021 Second Quarter Ea ...