Renasant Bank in Tupelo, Mississippi (MS), GA, AL, TN



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Renasant Bank
GeneralFDIC Certificate #: 12437
Status: Active
Federal Reserve ID: 749242
Bank Holding Company (Regulatory Top Holder): Renasant Corporation (RSSDID: 1098844, Location: Tupelo, MS)
Date Established: Febuary 27, 1904
WWW: http://www.renasantbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 76 (Domestic: 76, Interstate: Yes)
OTS Docket #: 11471
FDIC's unique #: 7918
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 09, 2012
Last Structure Change Process Date: Febuary 10, 2012
Last Data Update: Febuary 10, 2012
Data Source Date: April 05, 2012
LocationAddress: 209 Troy Street, Tupelo, MS 38801
County: Lee
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Jackson Ms
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Tupelo, MS (#46180)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $4,196.4 mil
Equity capital: $552.5 mil
Deposits held in domestic offices: $3,416.0 mil
Return on assets (ROA): 0.64% ($26.9 mil)
Quarterly return on assets: 0.59% ($24.8 mil)
Return on Equity (ROE): 5.06% ($28.0 mil)
Quarterly return on equity: 4.43% ($24.5 mil)
Net income: $27.2 mil
Quarterly Net income: $6.1 mil
Pretax return on assets: 0.88% ($36,928.6 mil)
Quarterly Pretax return on assets: 0.74% ($31,053.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)1,030
Total assets$4,196,437
Cash and due from depository institutions$208,076
Interest-bearing balances$122,392
Securities$794,104
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$2,564,966
Loan loss allowance $44,340
Trading account assets$0
Bank premises and fixed assets$54,498
Other real estate owned$113,235
Goodwill and other intangibles$192,521
All other assets$269,037
Life insurance assets$4,196,437
Total liabilities and capital$3,643,913
Total liabilities$3,416,019
Total deposits$2,883,850
Interest-bearing deposits$3,416,019
Deposits held in domestic offices$47
% insured (estimated)11485.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$167,454
Other borrowed funds $0
Subordinated debt $48,955
All other liabilities $552,524
Total equity capital$552,524
Total bank equity capital$552,524
Perpetual preferred stock$0
Common stock$3,864
Surplus$396,777
Undivided profits $151,883
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $28,222
Income earned, not collected on loans $124,082
Earning assets $0
Long-term assets (5+ years) $13,991
Average Assets, year-to-date $3,481,462
Average Assets, quarterly $938,794
Volatile liabilities $4,257,385
Insider loans $4,163,703
FHLB advances $2,816,557
Loans and leases held for sale $3,973,661
Unused loan commitments $83,052
Tier 1 (core) risk-based capital $31,228
Tier 2 risk-based capital $368,087
Total risk weighted assets $12,468
Total unused commitments $39,356
Restructured Loans and leases $401,132
Derivatives$28,062
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $173,877
Total interest expense $38,944
Net interest income $134,933
Provision for loan and lease losses $22,350
Total noninterest income $49,276
Fiduciary activities $3,157
Service charges on deposit accounts $19,222
Trading account gains & fees $0
Additional noninterest income $26,897
Total noninterest expense $129,395
Salaries and employee benefits $66,135
Premises and equipment expense $13,113
Additional noninterest expense $50,147
Pre-tax net operating income $32,464
Securities gains (losses) $4,795
Applicable income taxes $10,032
Income before extraordinary items $27,227
Extraordinary gains - net $0
Net income attributable to bank $27,227
Net charge-offs $0
Cash dividends $27,227
Sale, conversion, retirement of capital stock, net $23,425
Net operating income $17,070
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.93%
Cost of funding earning assets 1.10%
Net interest margin 3.82%
Noninterest income to earning assets 1.40%
Noninterest expense to earning assets 3.67%
Net operating income to assets 0.56%
Return on assets (ROA) 0.64%
Pretax return on assets 0.88%
Return on equity (ROE) 5.06%
Retained earnings to average equity (YTD only) 1.89%
Net charge-offs to loans 0.91%
Credit loss provision to net charge-offs 95.41%
Efficiency ratio2.34%
Assets per employee$69,298
Cash dividends to net income (YTD only)4.07%
Condition Ratios (%)
Loss allowance to loans 62.70%
Loss allowance to noncurrent loans 1.70%
Noncurrent assets plus other real estate owned to assets 35.73%
Noncurrent loans to loans 5.96%
Net loans and leases to deposits4.76%
Net loans and leases to core deposits 75.09%
Equity capital to assets 80.29%
Core capital (leverage) ratio 13.17%
Tier 1 risk-based capital ratio 9.26%
Total risk-based capital ratio 13.07%
Memoranda
Average assets$14
Average earning assets$4,257,385
Average equity $538,039
Average loans $3,529,255
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,026,158
Number of Accounts1
Personal trust and agency accounts$676,270
Employee benefit-defined contribution accounts$166,883
Employee benefit-defined benefit accounts$77,055
Other retirement accounts$77,190
Corporate trust and agency accounts$37,983
Investment management agency accounts$4,701
Other fiduciary accounts$312,458
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts885
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$31,014
Employee benefit-defined benefit accounts$0
Other retirement accounts$349,888
Corporate trust and agency accounts$12,294
Other fiduciary accounts$230,229
Fiduciary accounts held in foreign offices$27,278
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10 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
6255593Decatur Lee Street Branch211 Lee Street, N.E., Decatur, AL 35601May 15, 1995Full Service Brick and Mortar
63290303Decatur Cedar Ridge Branch1830 Modaus Road, Decatur, AL 35603April 15, 1996Full Service Brick and Mortar
64290304Decatur Stratford Road Branch1309 Stratford Road, Southeast, Decatur, AL 35601April 16, 1998Full Service Brick and Mortar
65290306Huntsville Balmoral Branch4245 Balmoral Drive, Huntsville, AL 35801March 01, 1998Full Service Brick and Mortar
67358898Birmingham Park Place Tower2001 Parkplace Tower, Birmingham, AL 35203September 20, 2000Full Service Brick and Mortar
68358913Madison Branch7600 Highway 72 West, Madison, AL 35758July 25, 2000Full Service Brick and Mortar
87484677Greystone Branch5410 Highway 280, Suite 101, Birmingham, AL 35242December 15, 2008Full Service Brick and Mortar
101510574Crestline Branch44 Church Street, Birmingham, AL 35213July 12, 2010Full Service Brick and Mortar
106526210Tuscalossa Branch1806 6th Street, Tuscaloosa, AL 35401October 03, 2011Full Service Brick and Mortar
109527103Montgomery Branch8 Commerce Street, Suite 100, Montgomery, AL 36104November 28, 2011Full Service Brick and Mortar
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12 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
9040341Crescent Bank And Trust Company Bran251 Highway 515, Jasper, GA 30143August 14, 1989Full Service Brick and Mortar
91262268Marble Hill Branch90 Steve Tate Road, Marble Hill, GA 30148August 31, 1995Full Service Brick and Mortar
92262270Cartersville Branch880 Joe Frank Harris Parkway, Cartersville, GA 30120March 09, 1998Full Service Brick and Mortar
93282614Towne Lake Parkway Branch4475 Towne Lake Parkway, Woodstock, GA 30189September 05, 1995Full Service Brick and Mortar
94357204Canton Branch145 Reinhardt College Parkway, Canton, GA 30114September 01, 1999Full Service Brick and Mortar
95361925Cumming Branch500 Canton Road, Cumming, GA 30040December 11, 2000Full Service Brick and Mortar
96426812Midway Branch5395 Highway 9, Alpharetta, GA 30004April 01, 2004Full Service Brick and Mortar
97432080Westside Cartersville Branch420 Old Mill Road, Cartersville, GA 30120August 26, 2004Full Service Brick and Mortar
9880039Alpharetta Futurus Branch5225 Windward Parkway, Alpharetta, GA 30004May 02, 2001Full Service Brick and Mortar
100458262East Woodstock Branch190 Village Centre East, Woodstock, GA 30188January 29, 2007Full Service Brick and Mortar
103363549American Trust Bank Branch880 Holcomb Bridge Road, Roswell, GA 30076August 11, 2003Full Service Brick and Mortar
105490258Alpharetta Branch275 South Main Street, Alpharetta, GA 30004November 10, 2008Full Service Brick and Mortar
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45 Mississippi Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07918Renasant Bank209 Troy Street, Tupelo, MS 38801Febuary 27, 1904Full Service Brick and Mortar
1227099Booneville Main Branch213 West Market Street, Booneville, MS 38829September 01, 1934Full Service Brick and Mortar
2227100Guntown Branch1427 Highway 145, Guntown, MS 38849September 01, 1934Limited Service Facility
3227101Saltillo Branch367 Mobile Street, Saltillo, MS 38866Febuary 27, 1904Full Service Brick and Mortar
4227102Shannon Branch5978 Noah Curtis Street, Shannon, MS 38868December 21, 1942Full Service Brick and Mortar
6227104East Main Branch164 Veterans Boulevard, Tupelo, MS 38804November 08, 1965Limited Service Facility
7227105Booneville Northgate Branch1114 North 2nd Street, Booneville, MS 38829November 18, 1966Full Service Brick and Mortar
8227106Medical Center Branch1001 South Gloster Street, Tupelo, MS 38804December 18, 1967Limited Service Facility
10227108Tupelo Traceway Branch2751 West Main Street, Tupelo, MS 38801August 02, 1971Full Service Brick and Mortar
1214431West Point Main Branch324 West Main Street, West Point, MS 39773December 20, 1972Full Service Brick and Mortar
13251904West Point East Main Branch1145 East Main Street, West Point, MS 39773April 08, 1974Full Service Brick and Mortar
15227111Westgate Branch210 Industrial Road South, Tupelo, MS 38801May 27, 1975Limited Service Facility
166266Pontotoc Main Branch37 Main Street, Pontotoc, MS 38863January 01, 1889Full Service Brick and Mortar
17221223Hi-Way 15 North Branch309 Highway 15 North, Pontotoc, MS 38863November 07, 1969Full Service Brick and Mortar
185256Amory Main Branch201 North Main Street, Amory, MS 38821January 01, 1897Full Service Brick and Mortar
19218177Third Street Drive-In Branch913 U.S. Highway 278 East, Amory, MS 38821June 07, 1965Limited Service Facility
20218178Smithville Branch63471 Highway 25 North, Smithville, MS 38870September 01, 1953Limited Service Facility
257299Sardis Branch120 South Main Street, Sardis, MS 38666January 01, 1904Full Service Brick and Mortar
2615622Corinth Main Branch304 South Cass Street, Corinth, MS 38834Febuary 23, 1977Full Service Brick and Mortar
2710943Winona Branch400 Summit Street, Winona, MS 38967November 01, 1949Full Service Brick and Mortar
30227115Calhoun City Branch544 Veterans Boulevard, Calhoun City, MS 38916August 05, 1985Full Service Brick and Mortar
31227116Southaven Branch7500 Airways Boulevard, Southaven, MS 38671May 07, 1987Full Service Brick and Mortar
327753Water Valley Branch1100 Central Street, Water Valley, MS 38965January 01, 1882Full Service Brick and Mortar
33226670Coffeeville Branch14625 Depot Street, Coffeeville, MS 38922January 01, 1882Full Service Brick and Mortar
36181536Okolona Branch511 South Church Street, Okolona, MS 38860December 15, 1966Full Service Brick and Mortar
37227118Iuka Branch508 Constitution Drive, Iuka, MS 38852October 02, 1989Full Service Brick and Mortar
39227120Verona Branch5033 Raymond Street, Verona, MS 38879December 26, 1990Full Service Brick and Mortar
41227121Tupelo Barnes Crossing Branch3680 North Gloster Street, Tupelo, MS 38801April 13, 1992Full Service Brick and Mortar
42227122Corinth Harper Road Branch1505 South Harper Road, Corinth, MS 38834Febuary 08, 1993Full Service Brick and Mortar
43225746Grenada Branch1537 South Commerce Street, Grenada, MS 38901Febuary 01, 1975Full Service Brick and Mortar
44225749Louisville Branch301 North Church Street, Louisville, MS 39339August 16, 1976Full Service Brick and Mortar
46286092Hernando Branch180 East Commerce, Hernando, MS 38632January 01, 1960Full Service Brick and Mortar
47286095New Albany Branch300 East Bankhead Street, New Albany, MS 38652January 01, 1960Full Service Brick and Mortar
4942225Batesville Branch100 Bates Street, Batesville, MS 38606March 22, 1935Full Service Brick and Mortar
52227124Aberdeen Branch103 East Washington Street, Aberdeen, MS 39730January 12, 1998Full Service Brick and Mortar
53227125Mccullough Boulevard Branch3002 Mccullough Boulevard, Belden, MS 38826March 17, 1998Limited Service Facility
57334370Olive Branch6890 Cockrum Road, Olive Branch, MS 38654May 01, 2000Full Service Brick and Mortar
58425786Horn Lake Branch3082 West Goodman Road, Horn Lake, MS 38637Febuary 17, 2004Full Service Brick and Mortar
60428789Tupelo Fairpark Branch82 A&B Clark Boulevard, Tupelo, MS 38804May 17, 2004Full Service Brick and Mortar
75444291Oxford Main Branch2527 Jackson Avenue West, Oxford, MS 38655August 08, 2005Full Service Brick and Mortar
79463529Oxford Square Branch1106 Van Buren Avenue, Oxford, MS 38655May 31, 2007Full Service Brick and Mortar
89508669Coulter Branch701 Coulter Drive, New Albany, MS 38652May 14, 2010Full Service Brick and Mortar
102514051Columbus Branch905 Main Street, Columbus, MS 39701November 17, 2010Full Service Brick and Mortar
107526211Starkville Administrative Office1 Research Blvd, Suite 200, Starkville, MS 39759October 04, 2011Full Service Brick and Mortar
108526950Starkville Branch100 Russell Street, Starkville, MS 39759November 07, 2011Full Service Brick and Mortar
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9 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
7174921Germantown Branch2177 Germantown, Germantown, TN 38138May 03, 1999Full Service Brick and Mortar
76444292East Memphis Branch5240 Poplar Avenue, Suite 100, Memphis, TN 38119August 22, 2005Full Service Brick and Mortar
77448862Collierville Branch796 West Poplar Avenue, Collierville, TN 38017Febuary 27, 2006Full Service Brick and Mortar
8054758Nashville Main Branch1820 West End Avenue, Nashville, TN 37203May 25, 1994Full Service Brick and Mortar
81290197Nashville Green Hills Branch2200 Abbott Martin Road, Suite 101, Nashville, TN 37215August 22, 1996Full Service Brick and Mortar
83356845Goodlettsville Branch140 Long Hollow Pike, Goodlettsville, TN 37072June 19, 2000Full Service Brick and Mortar
84362181Hendersonville Branch370 East Main Street, Hendersonville, TN 37075October 16, 2000Full Service Brick and Mortar
85362443Hermitage Branch4422 Lebanon Road, Hermitage, TN 37076September 04, 2001Full Service Brick and Mortar
86455811Franklin Cool Springs Branch9135 Carothers Parkway, Franklin, TN 37067October 16, 2006Full Service Brick and Mortar
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