Renasant Bank in Tupelo, Mississippi (MS), GA, AL, TN
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Renasant Bank in Tupelo, Mississippi (MS), GA, AL, TN
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Renasant Bank routing number info

Renasant Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 1,030Total employees (full-time equivalent)
  • $4,196,437Total assets
  • $208,076Cash and due from depository institutions
  • $122,392Interest-bearing balances
  • $794,104Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $2,564,966Net loans & leases
  • $44,340Loan loss allowance
  • $0Trading account assets
  • $54,498Bank premises and fixed assets
  • $113,235Other real estate owned
  • $192,521Goodwill and other intangibles
  • $4,196,437Life insurance assets
  • $269,037All other assets
  • $3,643,913Total liabilities and capital
  • $3,416,019Total liabilities
  • $2,883,850Total deposits
  • $3,416,019Interest-bearing deposits
  • $47Deposits held in domestic offices
  • 11485.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $167,454Trading liabilities
  • $0Other borrowed funds
  • $48,955Subordinated debt
  • $552,524All other liabilities
  • $552,524Total equity capital
  • $552,524Total bank equity capital
  • $0Perpetual preferred stock
  • $3,864Common stock
  • $396,777Surplus
  • $151,883Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $28,222Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $124,082Income earned, not collected on loans
  • $0Earning assets
  • $13,991Long-term assets (5+ years)
  • $3,481,462Average Assets, year-to-date
  • $938,794Average Assets, quarterly
  • $4,257,385Volatile liabilities
  • $4,163,703Insider loans
  • $2,816,557FHLB advances
  • $3,973,661Loans and leases held for sale
  • $83,052Unused loan commitments
  • $31,228Tier 1 (core) risk-based capital
  • $368,087Tier 2 risk-based capital
  • $12,468Total risk weighted assets
  • $39,356Total unused commitments
  • $401,132Restructured Loans and leases
  • $28,062Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $173,877Total interest income
  • $38,944Total interest expense
  • $134,933Net interest income
  • $22,350Provision for loan and lease losses
  • $49,276Total noninterest income
  • $3,157Fiduciary activities
  • $19,222Service charges on deposit accounts
  • $0Trading account gains & fees
  • $26,897Additional noninterest income
  • $129,395Total noninterest expense
  • $66,135Salaries and employee benefits
  • $13,113Premises and equipment expense
  • $50,147Additional noninterest expense
  • $32,464Pre-tax net operating income
  • $4,795Securities gains (losses)
  • $10,032Applicable income taxes
  • $27,227Income before extraordinary items
  • $0Extraordinary gains - net
  • $27,227Net income attributable to bank
  • $0Net charge-offs
  • $27,227Cash dividends
  • $23,425Sale, conversion, retirement of capital stock, net
  • $17,070Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.82%Net interest margin
  • 1.40%Noninterest income to earning assets
  • 3.67%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 5.06%Return on equity (ROE)
  • 1.89%Retained earnings to average equity (YTD only)
  • 0.91%Net charge-offs to loans
  • 95.41%Credit loss provision to net charge-offs
  • 2.34%Efficiency ratio
  • 69,298Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.70%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 35.73%Noncurrent assets plus other real estate owned to assets
  • 5.96%Noncurrent loans to loans
  • 4.76%Net loans and leases to deposits
  • 75.09%Net loans and leases to core deposits
  • 80.29%Equity capital to assets
  • 13.17%Core capital (leverage) ratio
  • 9.26%Tier 1 risk-based capital ratio
  • 13.07%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $4,257,385Average earning assets
  • $538,039Average equity
  • $3,529,255Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,026,158Managed Assets
  • 1Number of Accounts
  • $676,270Personal trust and agency accounts
  • $166,883Employee benefit-defined contribution accounts
  • $77,055Employee benefit-defined benefit accounts
  • $77,190Other retirement accounts
  • $37,983Corporate trust and agency accounts
  • $4,701Investment management agency accounts
  • $312,458Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 885Number of Accounts
  • $0Personal trust and agency accounts
  • $31,014Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $349,888Other retirement accounts
  • $12,294Corporate trust and agency accounts
  • $230,229Other fiduciary accounts
  • $27,278Fiduciary accounts held in foreign offices

List of branches

  • 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
  • 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
  • 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
  • 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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