Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2015

Schedule of guidelines governing the classification of capital tiers

The Federal Reserve, the FDIC and the Office of the Comptroller of the Currency have issued guidelines governing the levels of capital that banks must maintain. Those guidelines specify capital tiers, which include the following classifications:



Capital Tiers	Tier 1 Capital to Average Assets (Leverage)	Common Equity Tier 1 to Risk - Weighted Assets	Tier 1 Capital to Risk – Weighted Assets	Total Capital to Risk – Weighted Assets
Well capitalized	5% or above	6.5% or above	8% or above	10% or above
Adequately capitalized	4% or above	4.5% or above	6% or above	8% or above
Undercapitalized	Less than 4%	Less than 4.5%	Less than 6%	Less than 8%
Significantly undercapitalized	Less than 3%	Less than 3%	Less than 4%	Less than 6%
Critically undercapitalized	Tangible Equity / Total Assets less than 2%

Schedule of capital and risk-based capital and leverage ratios

The following table provides the capital and risk-based capital and leverage ratios for the Company and for Renasant Bank as of September 30,



	2015				2014
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	665,707	8.95	%	$	495,168	8.91	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	576,360		9.92	%	—		—	%
Tier 1 Capital to Risk-Weighted Assets	665,707		11.46	%	495,168		11.82	%
Total Capital to Risk-Weighted Assets	712,737		12.27	%	543,103		12.96	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	639,189	8.75	%	$	467,944	8.64	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	639,189		11.02	%	—		—	%
Tier 1 Capital to Risk-Weighted Assets	639,189		11.02	%	467,944		11.46	%
Total Capital to Risk-Weighted Assets	685,565		11.82	%	515,993		12.59	%