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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
________________________________________________________
FORM 10-Q
________________________________________________________
(Mark One)
| | | | | |
☒ | Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 |
For the quarterly period ended September 30, 2024
Or
| | | | | |
☐ | Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 |
For the transition period from to
Commission file number: 001-13253
________________________________________________________
RENASANT CORPORATION
(Exact name of registrant as specified in its charter)
________________________________________________________
| | | | | | | | |
Mississippi | | 64-0676974 |
(State or other jurisdiction of | | (I.R.S. Employer |
incorporation or organization) | | Identification No.) |
| | | | | | | | | | | | | | |
209 Troy Street, | Tupelo, | Mississippi | | 38804-4827 |
(Address of principal executive offices) | | (Zip Code) |
(662) 680-1001
(Registrant’s telephone number, including area code)
________________________________________________________
Securities registered pursuant to Section 12(b) of the Act:
| | | | | | | | |
Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
Common stock, $5.00 par value per share | RNST | The New York Stock Exchange |
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
| | | | | | | | | | | |
Large accelerated filer | ☒ | Accelerated filer | ☐ |
| | | |
Non-accelerated filer | ☐ | Smaller reporting company | ☐ |
| | | |
| | Emerging growth company | ☐ |
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒
As of October 31, 2024, 63,565,690 shares of the registrant’s common stock, $5.00 par value per share, were outstanding.
Renasant Corporation and Subsidiaries
Form 10-Q
For the Quarterly Period Ended September 30, 2024
CONTENTS
| | | | | | | | |
| | Page |
PART I | | |
Item 1. | | |
| Consolidated Balance Sheets | |
| | |
| | |
| | |
| | |
| | |
| | |
Item 2. | | |
| | |
Item 3. | | |
| | |
Item 4. | | |
| | |
PART II | | |
| | |
| | |
Item 1A. | | |
| | |
Item 2. | | |
| | |
Item 5. | | |
| | |
Item 6. | | |
| |
| |
PART I. FINANCIAL INFORMATION
Item 1. FINANCIAL STATEMENTS
Renasant Corporation and Subsidiaries
Consolidated Balance Sheets
(In Thousands, Except Share Data)
| | | | | | | | | | | |
| (Unaudited) | | |
| September 30, 2024 | | December 31, 2023 |
Assets | | | |
Cash and due from banks | $ | 228,937 | | | $ | 206,680 | |
Interest-bearing balances with banks | 1,046,683 | | | 594,671 | |
Cash and cash equivalents | 1,275,620 | | | 801,351 | |
Securities held to maturity (net of allowance for credit losses of $32 at each of September 30, 2024 and December 31, 2023) (fair value of $1,068,968 and $1,121,830, respectively) | 1,150,531 | | | 1,221,464 | |
Securities available for sale, at fair value | 764,844 | | | 923,279 | |
Loans held for sale, at fair value | 291,735 | | | 179,756 | |
| | | |
| | | |
| | | |
Loans held for investment, net of unearned income | 12,627,648 | | | 12,351,230 | |
Allowance for credit losses on loans | (200,378) | | | (198,578) | |
Loans, net | 12,427,270 | | | 12,152,652 | |
Premises and equipment, net | 280,550 | | | 283,195 | |
Other real estate owned, net | 9,136 | | | 9,622 | |
Goodwill | 988,898 | | | 991,665 | |
Other intangible assets, net | 15,238 | | | 18,795 | |
Bank-owned life insurance | 389,138 | | | 382,584 | |
Mortgage servicing rights | 71,990 | | | 91,688 | |
Other assets | 293,890 | | | 304,484 | |
Total assets | $ | 17,958,840 | | | $ | 17,360,535 | |
Liabilities and shareholders’ equity | | | |
Liabilities | | | |
Deposits | | | |
Noninterest-bearing | $ | 3,529,801 | | | $ | 3,583,675 | |
Interest-bearing | 10,979,950 | | | 10,493,110 | |
Total deposits | 14,509,751 | | | 14,076,785 | |
Short-term borrowings | 108,732 | | | 307,577 | |
Long-term debt | 433,177 | | | 429,400 | |
Other liabilities | 249,102 | | | 249,390 | |
Total liabilities | 15,300,762 | | | 15,063,152 | |
Shareholders’ equity | | | |
Preferred stock, $0.01 par value – 5,000,000 shares authorized; no shares issued and outstanding | — | | | — | |
Common stock, $5.00 par value – 150,000,000 shares authorized; 66,484,225 and 59,296,725 shares issued, respectively; 63,564,028 and 56,142,207 shares outstanding, respectively | 332,421 | | | 296,483 | |
Treasury stock, at cost – 2,920,197 and 3,154,518 shares, respectively | (97,251) | | | (105,249) | |
Additional paid-in capital | 1,488,678 | | | 1,308,281 | |
Retained earnings | 1,063,324 | | | 952,124 | |
Accumulated other comprehensive loss, net of taxes | (129,094) | | | (154,256) | |
Total shareholders’ equity | 2,658,078 | | | 2,297,383 | |
Total liabilities and shareholders’ equity | $ | 17,958,840 | | | $ | 17,360,535 | |
See Notes to Consolidated Financial Statements.
Renasant Corporation and Subsidiaries
Consolidated Statements of Income (Unaudited)
(In Thousands, Except Share Data)
| | | | | | | | | | | | | | | | | | | | | | | |
| Three Months Ended | | Nine Months Ended |
| September 30, | | September 30, |
| 2024 | | 2023 | | 2024 | | 2023 |
Interest income | | | | | | | |
Loans | $ | 206,867 | | | $ | 184,880 | | | $ | 603,492 | | | $ | 524,592 | |
Securities | | | | | | | |
Taxable | 9,212 | | | 9,439 | | | 27,975 | | | 34,992 | |
Tax-exempt | 1,092 | | | 1,230 | | | 3,439 | | | 4,768 | |
Other | 11,872 | | | 10,128 | | | 27,527 | | | 22,536 | |
Total interest income | 229,043 | | | 205,677 | | | 662,433 | | | 586,888 | |
Interest expense | | | | | | | |
Deposits | 90,787 | | | 70,906 | | | 261,021 | | | 155,163 | |
Borrowings | 7,258 | | | 7,388 | | | 22,098 | | | 38,351 | |
Total interest expense | 98,045 | | | 78,294 | | | 283,119 | | | 193,514 | |
Net interest income | 130,998 | | | 127,383 | | | 379,314 | | | 393,374 | |
Provision for credit losses on loans | 1,210 | | | 5,315 | | | 8,148 | | | 16,275 | |
Recovery of credit losses on unfunded commitments | (275) | | | (700) | | | (1,475) | | | (3,200) | |
Provision for credit losses | 935 | | | 4,615 | | | 6,673 | | | 13,075 | |
Net interest income after provision for credit losses | 130,063 | | | 122,768 | | | 372,641 | | | 380,299 | |
Noninterest income | | | | | | | |
Service charges on deposit accounts | 10,438 | | | 9,743 | | | 31,230 | | | 28,596 | |
Fees and commissions | 4,116 | | | 4,108 | | | 12,009 | | | 13,771 | |
Insurance commissions | — | | | 3,264 | | | 5,474 | | | 8,519 | |
Wealth management revenue | 5,835 | | | 5,986 | | | 17,188 | | | 16,464 | |
Mortgage banking income | 8,447 | | | 7,533 | | | 29,515 | | | 25,821 | |
Gain on sale of insurance agency | 53,349 | | | — | | | 53,349 | | | — | |
Gain on debt extinguishment | — | | | — | | | 56 | | | — | |
Net loss on sales of securities | — | | | — | | | — | | | (22,438) | |
BOLI income | 2,858 | | | 2,469 | | | 8,250 | | | 7,874 | |
| | | | | | | |
Other | 4,256 | | | 5,097 | | | 12,371 | | | 14,112 | |
Total noninterest income | 89,299 | | | 38,200 | | | 169,442 | | | 92,719 | |
Noninterest expense | | | | | | | |
Salaries and employee benefits | 71,307 | | | 69,458 | | | 213,508 | | | 209,927 | |
Data processing | 4,133 | | | 3,907 | | | 11,885 | | | 11,224 | |
Net occupancy and equipment | 11,415 | | | 11,548 | | | 34,648 | | | 34,818 | |
Other real estate owned | 56 | | | (120) | | | 268 | | | (39) | |
Professional fees | 3,189 | | | 3,338 | | | 9,732 | | | 10,817 | |
Advertising and public relations | 3,677 | | | 3,474 | | | 12,370 | | | 11,642 | |
Intangible amortization | 1,160 | | | 1,311 | | | 3,558 | | | 4,106 | |
Communications | 2,176 | | | 2,006 | | | 6,312 | | | 6,212 | |
Merger and conversion related expenses | 11,273 | | | — | | | 11,273 | | | — | |
| | | | | | | |
| | | | | | | |
| | | | | | | |
Other | 13,597 | | | 13,447 | | | 43,317 | | | 39,035 | |
Total noninterest expense | 121,983 | | | 108,369 | | | 346,871 | | | 327,742 | |
Income before income taxes | 97,379 | | | 52,599 | | | 195,212 | | | 145,276 | |
Income taxes | 24,924 | | | 10,766 | | | 44,502 | | | 28,722 | |
Net income | $ | 72,455 | | | $ | 41,833 | | | $ | 150,710 | | | $ | 116,554 | |
| | | | | | | |
| | | | | | | |
Basic earnings per share | $ | 1.18 | | | $ | 0.75 | | | $ | 2.60 | | | $ | 2.08 | |
Diluted earnings per share | $ | 1.18 | | | $ | 0.74 | | | $ | 2.59 | | | $ | 2.07 | |
Cash dividends per common share | $ | 0.22 | | | $ | 0.22 | | | $ | 0.66 | | | $ | 0.66 | |
See Notes to Consolidated Financial Statements.
Renasant Corporation and Subsidiaries
Consolidated Statements of Comprehensive Income (Unaudited)
(In Thousands)
| | | | | | | | | | | | | | | | | | | | | | | |
| Three Months Ended | | Nine Months Ended |
| September 30, | | September 30, |
| 2024 | | 2023 | | 2024 | | 2023 |
Net income | $ | 72,455 | | | $ | 41,833 | | | $ | 150,710 | | | $ | 116,554 | |
Other comprehensive income, net of tax: | | | | | | | |
Securities available for sale: | | | | | | | |
Unrealized holding gains (losses) on securities | 23,441 | | | (12,883) | | | 19,275 | | | (13,282) | |
Reclassification adjustment for losses realized in net income | — | | | — | | | — | | | 16,816 | |
| | | | | | | |
Amortization of unrealized holding losses on securities transferred to the held to maturity category | 2,331 | | | 2,947 | | | 7,190 | | | 7,527 | |
Total securities available for sale | 25,772 | | | (9,936) | | | 26,465 | | | 11,061 | |
Derivative instruments: | | | | | | | |
Unrealized holding (losses) gains on derivative instruments | (828) | | | 1,987 | | | (1,539) | | | (1,606) | |
| | | | | | | |
Total derivative instruments | (828) | | | 1,987 | | | (1,539) | | | (1,606) | |
Defined benefit pension and post-retirement benefit plans: | | | | | | | |
| | | | | | | |
| | | | | | | |
Amortization of net actuarial loss recognized in net periodic pension cost | 78 | | | 86 | | | 236 | | | 258 | |
Total defined benefit pension and post-retirement benefit plans | 78 | | | 86 | | | 236 | | | 258 | |
Other comprehensive income (loss), net of tax | 25,022 | | | (7,863) | | | 25,162 | | | 9,713 | |
Comprehensive income | $ | 97,477 | | | $ | 33,970 | | | $ | 175,872 | | | $ | 126,267 | |
See Notes to Consolidated Financial Statements.
Renasant Corporation and Subsidiaries
Consolidated Statements of Changes in Shareholders’ Equity
(Unaudited)
(In Thousands, Except Share Data)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Common Stock | | Treasury Stock | | Additional Paid-In Capital | | Retained Earnings | | Accumulated Other Comprehensive Loss | | Total |
Nine Months Ended September 30, 2024 | Shares | | Amount | | | | | |
Balance at January 1, 2024 | 56,142,207 | | | $ | 296,483 | | | $ | (105,249) | | | $ | 1,308,281 | | | $ | 952,124 | | | $ | (154,256) | | | $ | 2,297,383 | |
| | | | | | | | | | | | | |
Net income | — | | | — | | | — | | | — | | | 39,409 | | | — | | | 39,409 | |
Other comprehensive loss | — | | | — | | | — | | | — | | | — | | | (2,687) | | | (2,687) | |
Comprehensive income | | | | | | | | | | | | | 36,722 | |
Cash dividends ($0.22 per share) | — | | | — | | | — | | | — | | | (12,653) | | | — | | | (12,653) | |
| | | | | | | | | | | | | |
| | | | | | | | | | | | | |
Issuance of common stock for stock-based compensation awards | 162,653 | | | — | | | 5,566 | | | (8,660) | | | — | | | — | | | (3,094) | |
Stock-based compensation expense | — | | | — | | | — | | | 3,992 | | | — | | | — | | | 3,992 | |
| | | | | | | | | | | | | |
Balance at March 31, 2024 | 56,304,860 | | | $ | 296,483 | | | $ | (99,683) | | | $ | 1,303,613 | | | $ | 978,880 | | | $ | (156,943) | | | $ | 2,322,350 | |
Net income | — | | | $ | — | | | $ | — | | | $ | — | | | $ | 38,846 | | | $ | — | | | $ | 38,846 | |
Other comprehensive income | — | | | — | | | — | | | — | | | — | | | 2,827 | | | 2,827 | |
Comprehensive income | | | | | | | | | | | | | 41,673 | |
Cash dividends ($0.22 per share) | — | | | — | | | — | | | — | | | (12,640) | | | — | | | (12,640) | |
| | | | | | | | | | | | | |
| | | | | | | | | | | | | |
Issuance of common stock for stock-based compensation awards | 63,064 | | | — | | | 2,149 | | | (2,205) | | | — | | | — | | | (56) | |
Stock-based compensation expense | — | | | — | | | — | | | 3,374 | | | — | | | — | | | 3,374 | |
| | | | | | | | | | | | | |
Balance at June 30, 2024 | 56,367,924 | | | $ | 296,483 | | | $ | (97,534) | | | $ | 1,304,782 | | | $ | 1,005,086 | | | $ | (154,116) | | | $ | 2,354,701 | |
Net income | — | | | — | | | — | | | — | | | $ | 72,455 | | | | | $ | 72,455 | |
Other comprehensive income | — | | | — | | | — | | | — | | | — | | | 25,022 | | | 25,022 | |
Comprehensive income | | | | | | | | | | | | | 97,477 | |
Cash dividends ($0.22 per share) | — | | | — | | | — | | | — | | | (14,217) | | | — | | | (14,217) | |
| | | | | | | | | | | | | |
| | | | | | | | | | | | | |
Common stock issued in public offering | 7,187,500 | | | 35,938 | | | — | | | 181,062 | | | — | | | — | | | 217,000 | |
Issuance of common stock for stock-based compensation awards | 8,604 | | | — | | | 283 | | | (439) | | | — | | | — | | | (156) | |
Stock-based compensation expense | — | | | — | | | — | | | 3,273 | | | — | | | — | | | 3,273 | |
| | | | | | | | | | | | | |
Balance at September 30, 2024 | 63,564,028 | | | $ | 332,421 | | | $ | (97,251) | | | $ | 1,488,678 | | | $ | 1,063,324 | | | $ | (129,094) | | | $ | 2,658,078 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Common Stock | | Treasury Stock | | Additional Paid-In Capital | | Retained Earnings | | Accumulated Other Comprehensive Loss | | Total |
Nine Months Ended September 30, 2023 | Shares | | Amount | | | | | |
Balance at January 1, 2023 | 55,953,104 | | | $ | 296,483 | | | $ | (111,577) | | | $ | 1,302,422 | | | $ | 857,725 | | | $ | (209,037) | | | $ | 2,136,016 | |
| | | | | | | | | | | | | |
Net income | — | | | — | | | — | | | — | | | 46,078 | | | — | | | 46,078 | |
Other comprehensive income | — | | | — | | | — | | | — | | | — | | | 16,713 | | | 16,713 | |
Comprehensive income | | | | | | | | | | | | | 62,791 | |
Cash dividends ($0.22 per share) | — | | | — | | | — | | | — | | | (12,561) | | | — | | | (12,561) | |
| | | | | | | | | | | | | |
| | | | | | | | | | | | | |
Issuance of common stock for stock-based compensation awards | 120,554 | | | — | | | 4,018 | | | (6,409) | | | — | | | — | | | (2,391) | |
Stock-based compensation expense | — | | | — | | | — | | | 3,445 | | | — | | | — | | | 3,445 | |
| | | | | | | | | | | | | |
Balance at March 31, 2023 | 56,073,658 | | | $ | 296,483 | | | $ | (107,559) | | | $ | 1,299,458 | | | $ | 891,242 | | | $ | (192,324) | | | $ | 2,187,300 | |
Net income | — | | | $ | — | | | $ | — | | | $ | — | | | $ | 28,643 | | | $ | — | | | $ | 28,643 | |
Other comprehensive income | — | | | — | | | — | | | — | | | — | | | 863 | |