Renasant Bank in Tupelo, Mississippi (MS), GA, AL, TN
| Renasant Bank | |
|---|---|
| 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) |
| 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 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.93% |
| 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 ratio | 2.34% |
| 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 deposits | 4.76% |
| 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 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $1,026,158 |
| Number of Accounts | 1 |
| 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 Accounts | 885 |
| 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 |
| 10 Alabama Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 62 | 55593 | Decatur Lee Street Branch | 211 Lee Street, N.E., Decatur, AL 35601 | May 15, 1995 | Full Service Brick and Mortar |  |
| 63 | 290303 | Decatur Cedar Ridge Branch | 1830 Modaus Road, Decatur, AL 35603 | April 15, 1996 | Full Service Brick and Mortar | |
| 64 | 290304 | Decatur Stratford Road Branch | 1309 Stratford Road, Southeast, Decatur, AL 35601 | April 16, 1998 | Full Service Brick and Mortar | |
| 65 | 290306 | Huntsville Balmoral Branch | 4245 Balmoral Drive, Huntsville, AL 35801 | March 01, 1998 | Full Service Brick and Mortar | |
| 67 | 358898 | Birmingham Park Place Tower | 2001 Parkplace Tower, Birmingham, AL 35203 | September 20, 2000 | Full Service Brick and Mortar | |
| 68 | 358913 | Madison Branch | 7600 Highway 72 West, Madison, AL 35758 | July 25, 2000 | Full Service Brick and Mortar | |
| 87 | 484677 | Greystone Branch | 5410 Highway 280, Suite 101, Birmingham, AL 35242 | December 15, 2008 | Full Service Brick and Mortar | |
| 101 | 510574 | Crestline Branch | 44 Church Street, Birmingham, AL 35213 | July 12, 2010 | Full Service Brick and Mortar | |
| 106 | 526210 | Tuscalossa Branch | 1806 6th Street, Tuscaloosa, AL 35401 | October 03, 2011 | Full Service Brick and Mortar | |
| 109 | 527103 | Montgomery Branch | 8 Commerce Street, Suite 100, Montgomery, AL 36104 | November 28, 2011 | Full Service Brick and Mortar | |
| 12 Georgia Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 90 | 40341 | Crescent Bank And Trust Company Bran | 251 Highway 515, Jasper, GA 30143 | August 14, 1989 | Full Service Brick and Mortar | |
| 91 | 262268 | Marble Hill Branch | 90 Steve Tate Road, Marble Hill, GA 30148 | August 31, 1995 | Full Service Brick and Mortar | |
| 92 | 262270 | Cartersville Branch | 880 Joe Frank Harris Parkway, Cartersville, GA 30120 | March 09, 1998 | Full Service Brick and Mortar | |
| 93 | 282614 | Towne Lake Parkway Branch | 4475 Towne Lake Parkway, Woodstock, GA 30189 | September 05, 1995 | Full Service Brick and Mortar | |
| 94 | 357204 | Canton Branch | 145 Reinhardt College Parkway, Canton, GA 30114 | September 01, 1999 | Full Service Brick and Mortar | |
| 95 | 361925 | Cumming Branch | 500 Canton Road, Cumming, GA 30040 | December 11, 2000 | Full Service Brick and Mortar | |
| 96 | 426812 | Midway Branch | 5395 Highway 9, Alpharetta, GA 30004 | April 01, 2004 | Full Service Brick and Mortar | |
| 97 | 432080 | Westside Cartersville Branch | 420 Old Mill Road, Cartersville, GA 30120 | August 26, 2004 | Full Service Brick and Mortar | |
| 98 | 80039 | Alpharetta Futurus Branch | 5225 Windward Parkway, Alpharetta, GA 30004 | May 02, 2001 | Full Service Brick and Mortar | |
| 100 | 458262 | East Woodstock Branch | 190 Village Centre East, Woodstock, GA 30188 | January 29, 2007 | Full Service Brick and Mortar | |
| 103 | 363549 | American Trust Bank Branch | 880 Holcomb Bridge Road, Roswell, GA 30076 | August 11, 2003 | Full Service Brick and Mortar | |
| 105 | 490258 | Alpharetta Branch | 275 South Main Street, Alpharetta, GA 30004 | November 10, 2008 | Full Service Brick and Mortar | |
| 45 Mississippi Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 7918 | Renasant Bank | 209 Troy Street, Tupelo, MS 38801 | Febuary 27, 1904 | Full Service Brick and Mortar |  |
| 1 | 227099 | Booneville Main Branch | 213 West Market Street, Booneville, MS 38829 | September 01, 1934 | Full Service Brick and Mortar | |
| 2 | 227100 | Guntown Branch | 1427 Highway 145, Guntown, MS 38849 | September 01, 1934 | Limited Service Facility | |
| 3 | 227101 | Saltillo Branch | 367 Mobile Street, Saltillo, MS 38866 | Febuary 27, 1904 | Full Service Brick and Mortar | |
| 4 | 227102 | Shannon Branch | 5978 Noah Curtis Street, Shannon, MS 38868 | December 21, 1942 | Full Service Brick and Mortar | |
| 6 | 227104 | East Main Branch | 164 Veterans Boulevard, Tupelo, MS 38804 | November 08, 1965 | Limited Service Facility | |
| 7 | 227105 | Booneville Northgate Branch | 1114 North 2nd Street, Booneville, MS 38829 | November 18, 1966 | Full Service Brick and Mortar | |
| 8 | 227106 | Medical Center Branch | 1001 South Gloster Street, Tupelo, MS 38804 | December 18, 1967 | Limited Service Facility | |
| 10 | 227108 | Tupelo Traceway Branch | 2751 West Main Street, Tupelo, MS 38801 | August 02, 1971 | Full Service Brick and Mortar | |
| 12 | 14431 | West Point Main Branch | 324 West Main Street, West Point, MS 39773 | December 20, 1972 | Full Service Brick and Mortar | |
| 13 | 251904 | West Point East Main Branch | 1145 East Main Street, West Point, MS 39773 | April 08, 1974 | Full Service Brick and Mortar | |
| 15 | 227111 | Westgate Branch | 210 Industrial Road South, Tupelo, MS 38801 | May 27, 1975 | Limited Service Facility | |
| 16 | 6266 | Pontotoc Main Branch | 37 Main Street, Pontotoc, MS 38863 | January 01, 1889 | Full Service Brick and Mortar | |
| 17 | 221223 | Hi-Way 15 North Branch | 309 Highway 15 North, Pontotoc, MS 38863 | November 07, 1969 | Full Service Brick and Mortar | |
| 18 | 5256 | Amory Main Branch | 201 North Main Street, Amory, MS 38821 | January 01, 1897 | Full Service Brick and Mortar | |
| 19 | 218177 | Third Street Drive-In Branch | 913 U.S. Highway 278 East, Amory, MS 38821 | June 07, 1965 | Limited Service Facility | |
| 20 | 218178 | Smithville Branch | 63471 Highway 25 North, Smithville, MS 38870 | September 01, 1953 | Limited Service Facility | |
| 25 | 7299 | Sardis Branch | 120 South Main Street, Sardis, MS 38666 | January 01, 1904 | Full Service Brick and Mortar | |
| 26 | 15622 | Corinth Main Branch | 304 South Cass Street, Corinth, MS 38834 | Febuary 23, 1977 | Full Service Brick and Mortar | |
| 27 | 10943 | Winona Branch | 400 Summit Street, Winona, MS 38967 | November 01, 1949 | Full Service Brick and Mortar | |
| 30 | 227115 | Calhoun City Branch | 544 Veterans Boulevard, Calhoun City, MS 38916 | August 05, 1985 | Full Service Brick and Mortar | |
| 31 | 227116 | Southaven Branch | 7500 Airways Boulevard, Southaven, MS 38671 | May 07, 1987 | Full Service Brick and Mortar | |
| 32 | 7753 | Water Valley Branch | 1100 Central Street, Water Valley, MS 38965 | January 01, 1882 | Full Service Brick and Mortar | |
| 33 | 226670 | Coffeeville Branch | 14625 Depot Street, Coffeeville, MS 38922 | January 01, 1882 | Full Service Brick and Mortar | |
| 36 | 181536 | Okolona Branch | 511 South Church Street, Okolona, MS 38860 | December 15, 1966 | Full Service Brick and Mortar | |
| 37 | 227118 | Iuka Branch | 508 Constitution Drive, Iuka, MS 38852 | October 02, 1989 | Full Service Brick and Mortar | |
| 39 | 227120 | Verona Branch | 5033 Raymond Street, Verona, MS 38879 | December 26, 1990 | Full Service Brick and Mortar | |
| 41 | 227121 | Tupelo Barnes Crossing Branch | 3680 North Gloster Street, Tupelo, MS 38801 | April 13, 1992 | Full Service Brick and Mortar | |
| 42 | 227122 | Corinth Harper Road Branch | 1505 South Harper Road, Corinth, MS 38834 | Febuary 08, 1993 | Full Service Brick and Mortar | |
| 43 | 225746 | Grenada Branch | 1537 South Commerce Street, Grenada, MS 38901 | Febuary 01, 1975 | Full Service Brick and Mortar | |
| 44 | 225749 | Louisville Branch | 301 North Church Street, Louisville, MS 39339 | August 16, 1976 | Full Service Brick and Mortar | |
| 46 | 286092 | Hernando Branch | 180 East Commerce, Hernando, MS 38632 | January 01, 1960 | Full Service Brick and Mortar | |
| 47 | 286095 | New Albany Branch | 300 East Bankhead Street, New Albany, MS 38652 | January 01, 1960 | Full Service Brick and Mortar | |
| 49 | 42225 | Batesville Branch | 100 Bates Street, Batesville, MS 38606 | March 22, 1935 | Full Service Brick and Mortar | |
| 52 | 227124 | Aberdeen Branch | 103 East Washington Street, Aberdeen, MS 39730 | January 12, 1998 | Full Service Brick and Mortar | |
| 53 | 227125 | Mccullough Boulevard Branch | 3002 Mccullough Boulevard, Belden, MS 38826 | March 17, 1998 | Limited Service Facility | |
| 57 | 334370 | Olive Branch | 6890 Cockrum Road, Olive Branch, MS 38654 | May 01, 2000 | Full Service Brick and Mortar | |
| 58 | 425786 | Horn Lake Branch | 3082 West Goodman Road, Horn Lake, MS 38637 | Febuary 17, 2004 | Full Service Brick and Mortar | |
| 60 | 428789 | Tupelo Fairpark Branch | 82 A&B Clark Boulevard, Tupelo, MS 38804 | May 17, 2004 | Full Service Brick and Mortar | |
| 75 | 444291 | Oxford Main Branch | 2527 Jackson Avenue West, Oxford, MS 38655 | August 08, 2005 | Full Service Brick and Mortar | |
| 79 | 463529 | Oxford Square Branch | 1106 Van Buren Avenue, Oxford, MS 38655 | May 31, 2007 | Full Service Brick and Mortar | |
| 89 | 508669 | Coulter Branch | 701 Coulter Drive, New Albany, MS 38652 | May 14, 2010 | Full Service Brick and Mortar | |
| 102 | 514051 | Columbus Branch | 905 Main Street, Columbus, MS 39701 | November 17, 2010 | Full Service Brick and Mortar | |
| 107 | 526211 | Starkville Administrative Office | 1 Research Blvd, Suite 200, Starkville, MS 39759 | October 04, 2011 | Full Service Brick and Mortar | |
| 108 | 526950 | Starkville Branch | 100 Russell Street, Starkville, MS 39759 | November 07, 2011 | Full Service Brick and Mortar | |
| 9 Tennessee Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 71 | 74921 | Germantown Branch | 2177 Germantown, Germantown, TN 38138 | May 03, 1999 | Full Service Brick and Mortar | |
| 76 | 444292 | East Memphis Branch | 5240 Poplar Avenue, Suite 100, Memphis, TN 38119 | August 22, 2005 | Full Service Brick and Mortar | |
| 77 | 448862 | Collierville Branch | 796 West Poplar Avenue, Collierville, TN 38017 | Febuary 27, 2006 | Full Service Brick and Mortar | |
| 80 | 54758 | Nashville Main Branch | 1820 West End Avenue, Nashville, TN 37203 | May 25, 1994 | Full Service Brick and Mortar | |
| 81 | 290197 | Nashville Green Hills Branch | 2200 Abbott Martin Road, Suite 101, Nashville, TN 37215 | August 22, 1996 | Full Service Brick and Mortar | |
| 83 | 356845 | Goodlettsville Branch | 140 Long Hollow Pike, Goodlettsville, TN 37072 | June 19, 2000 | Full Service Brick and Mortar | |
| 84 | 362181 | Hendersonville Branch | 370 East Main Street, Hendersonville, TN 37075 | October 16, 2000 | Full Service Brick and Mortar | |
| 85 | 362443 | Hermitage Branch | 4422 Lebanon Road, Hermitage, TN 37076 | September 04, 2001 | Full Service Brick and Mortar | |
| 86 | 455811 | Franklin Cool Springs Branch | 9135 Carothers Parkway, Franklin, TN 37067 | October 16, 2006 | Full Service Brick and Mortar | |
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