Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2017

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 the dates presented:



	March 31, 2017				December 31, 2016
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	860,684	10.39	%	$	858,850	10.59	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	778,273		11.69	%	766,560		11.47	%
Tier 1 Capital to Risk-Weighted Assets	860,684		12.93	%	858,850		12.86	%
Total Capital to Risk-Weighted Assets	1,006,093		15.11	%	1,004,038		15.03	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	864,457	10.46	%	$	824,850	10.20	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	864,457		13.00	%	824,850		12.38	%
Tier 1 Capital to Risk-Weighted Assets	864,457		13.00	%	824,850		12.38	%
Total Capital to Risk-Weighted Assets	911,704		13.71	%	871,911		13.09	%