Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2015

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%

Capital and risk-based capital and leverage ratios for the Company and for Renasant Bank

The following table provides the capital and risk-based capital and leverage ratios for the Company and for Renasant Bank as of December 31:



	2015				2014
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	681,731	9.16	%	$	521,124	9.53	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	591,356		9.99	%	—		—	%
Tier 1 Capital to Risk-Weighted Assets	681,731		11.51	%	521,124		12.45	%
Total Capital to Risk-Weighted Assets	729,321		12.32	%	566,514		13.54	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	654,830	8.82	%	$	503,316	9.23	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	654,830		11.09	%	—		—	%
Tier 1 Capital to Risk-Weighted Assets	654,830		11.09	%	503,316		12.06	%
Total Capital to Risk-Weighted Assets	701,591		11.89	%	548,124		13.14	%