Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2019

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 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:



	2019				2018
	Amount		Ratio		Amount		Ratio
Renasant Corporation
Tier 1 Capital to Average Assets (Leverage)	$	1,262,588	10.37	%	$	1,188,412	10.11	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,156,828		11.12	%	1,085,751		11.05	%
Tier 1 Capital to Risk-Weighted Assets	1,262,588		12.14	%	1,188,412		12.10	%
Total Capital to Risk-Weighted Assets	1,432,949		13.78	%	1,386,507		14.12	%
Renasant Bank
Tier 1 Capital to Average Assets (Leverage)	$	1,331,809	10.95	%	$	1,276,976	10.88	%
Common Equity Tier 1 Capital to Risk-Weighted Assets	1,331,809		12.81	%	1,276,976		13.02	%
Tier 1 Capital to Risk-Weighted Assets	1,331,809		12.81	%	1,276,976		13.02	%
Total Capital to Risk-Weighted Assets	1,388,553		13.36	%	1,331,619		13.58	%