Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2018

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 bank holding companies and 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

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:



	June 30, 2018				December 31, 2017
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	1,034,498	10.63	%	$	979,604	10.18	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	951,490		11.71	%	896,733		11.34	%
Tier 1 Capital to Risk-Weighted Assets	1,034,498		12.73	%	979,604		12.39	%
Total Capital to Risk-Weighted Assets	1,198,046		14.75	%	1,142,926		14.46	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	1,057,998	10.89	%	$	1,000,715	10.42	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,057,998		13.04	%	1,000,715		12.69	%
Tier 1 Capital to Risk-Weighted Assets	1,057,998		13.04	%	1,000,715		12.69	%
Total Capital to Risk-Weighted Assets	1,108,178		13.66	%	1,050,751		13.32	%