Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2016

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:



	2016				2015
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	858,850	10.59	%	$	681,731	9.16	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	766,560		11.47	%	591,356		9.99	%
Tier 1 Capital to Risk-Weighted Assets	858,850		12.86	%	681,731		11.51	%
Total Capital to Risk-Weighted Assets	1,004,038		15.03	%	729,321		12.32	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	824,850	10.20	%	$	654,830	8.82	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	824,850		12.38	%	654,830		11.09	%
Tier 1 Capital to Risk-Weighted Assets	824,850		12.38	%	654,830		11.09	%
Total Capital to Risk-Weighted Assets	871,911		13.09	%	701,591		11.89	%