Financial Highlights

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Financial HighlightsRENASANT CORPORATION (NASDAQ - RNST)  
Select Period: Financial Charting
 2015 FQ12014 FQ1 2014 FQ4 
Period Ended3/31/20153/31/2014Y-Y Ch (%)12/31/2014 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets5,881,8495,902,831 (0.36) 5,805,1295.29
Total Net Loans4,014,1393,847,8134.323,971,2134.32
Total Deposits4,942,7695,004,784 (1.24) 4,838,4188.63
Equity Attributable to Parent Company723,196676,7156.87711,6516.49
Total Equity723,196676,7156.87711,6516.49
Profitability (%)   
Net Income ($000) 15,24013,59712.0815,597 (9.16)
Net Income Attributable to Parent ($000) 15,24013,59712.0815,597 (9.16)
ROAA1.050.9213  bp 1.09 (4)  bp
Core ROAA1.130.9914  bp 1.17 (4)  bp
ROAE8.478.0839  bp 8.79 (32)  bp
ROATCE15.2015.76 (56)  bp 15.99 (79)  bp
Core ROAE9.108.7238  bp 9.46 (36)  bp
Net Interest Margin3.973.99 (2)  bp 4.12 (15)  bp
Reported: Net Interest Margin4.034.04 (1)  bp 4.09 (6)  bp
Efficiency Ratio62.1962.99 (80)  bp 60.48171  bp
Noninterest Inc / Operating Rev30.9627.14382  bp 28.54242  bp
Balance Sheet Ratios (%)   
Loans / Deposits79.9977.27272  bp 82.42 (243)  bp
Securities / Assets17.4317.87 (44)  bp 17.1528  bp
Total Equity / Total Assets12.3011.4684  bp 12.264  bp
Tangible Equity / Tangible Assets7.656.6897  bp 7.5213  bp
Tang Common Equity / Tang Assets7.656.6897  bp 7.5213  bp
Asset Quality Ratios (%)   
NPAs / Assets1.381.72 (34)  bp 1.299  bp
NPA Excl Restructured / Assets1.011.38 (37)  bp 1.05 (4)  bp
NPAs & 90+ PD / Assets1.561.77 (21)  bp 1.488  bp
NPAs / Loans & REO2.042.68 (64)  bp 1.9212  bp
NCOs / Avg Loans0.110.12 (1)  bp 0.35 (24)  bp
Loan Loss Reserves / Gross Loans1.041.23 (19)  bp 1.05 (1)  bp
Reserves / NPAs52.3047.36494  bp 56.38 (408)  bp
Loan Loss Provision / NCO101.22135.90 (3,468)  bp 31.536,969  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 448,027.00392,642.0014.11429,775.0016.99
Tier 1 Capital ($000) 539,523.00483,738.0011.53521,124.0014.12
Tier 2 Capital ($000) 45,393NANANANA
Total Capital ($000) 584,916.00532,549.009.83566,514.0012.99
Total Risk-weighted Assets ($000) 4,328,2784,191,8383.254,185,48413.65
Tier 1 Common Capital (CET1) Ratio (%) 10.359.3798  bp 10.278  bp
Tier 1 Ratio (%) 12.4711.5493  bp 12.452  bp
Total Capital Ratio (%) 13.5112.7081  bp 13.54 (3)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 9.748.56118  bp 9.5321  bp
Supplementary Leverage Ratio (%) NANANANANA
Per Share Info ($)   
Common Shares Outstanding (actual) 31,604,93731,480,3950.4031,545,1450.76
Avg Diluted Shares (actual) 31,815,71031,668,3620.4731,781,7340.43
Basic Book Value per Share22.8821.506.4222.565.67
As-reported Book Value per Share22.8821.506.4222.565.67
Basic Tangible Book Value per Share13.5211.8713.9013.1311.88
Reported: Tangible Book Value13.5211.8713.9013.1311.88
Common Dividends Declared per Share0.170.1700.170
EPS after Extra0.480.4311.630.49 (8.16)
EPS after Extra Growth (%) 11.6043.30 (3,170)  bp 36.10 (2,448)  bp
Core EPS0.520.4613.040.53 (7.55)
Core EPS Growth (%) 11.1051.30 (4,013)  bp 22.50 (1,139)  bp
Diluted EPS before Amortization0.520.488.330.53 (7.55)
Pre-Provision Earnings per Share0.490.4313.950.50 (8)
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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