Renasant corp (RNST)
CashFlow / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11
Operating activities
Net income

2,008

38,415

37,446

46,625

45,110

44,420

31,964

36,710

33,826

16,511

26,421

25,284

23,972

23,635

23,179

22,900

21,216

21,160

16,220

15,394

15,240

15,597

15,535

14,853

13,597

-

-

-

-

-

-

-

-

-

-

-

-

Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Provision for credit losses on loans

26,350

-

-

-

1,500

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for loan losses

-

-

-

-

-

1,000

2,250

1,810

1,750

2,150

2,150

1,750

1,500

1,650

2,650

1,430

1,800

1,750

750

1,175

1,075

1,050

2,217

1,450

1,450

-

-

-

-

-

-

-

-

-

-

-

-

Depreciation, amortization and accretion

4,937

2,359

4,219

1,198

409

-193

1,835

1,204

650

1,291

916

2,267

358

287

1,495

570

739

4,142

2,366

-1,085

3,772

2,446

-3,237

6,353

2,542

-

-

-

-

-

-

-

-

-

-

-

-

Deferred income tax (benefit) expense

-2,791

6,130

5,326

2,636

5,949

9,109

3,859

1,486

1,990

21,792

-550

-1,727

3,946

5,374

1,818

1,013

2,832

9,957

-2,124

-490

6,408

-2,946

6,462

491

5,284

-

-

-

-

-

-

-

-

-

-

-

-

Funding of mortgage loans held for sale

715,760

700,449

741,904

554,722

384,103

444,762

479,920

475,761

362,803

427,221

483,777

454,312

318,144

434,494

510,143

548,007

458,500

491,382

584,662

222,298

185,595

138,539

154,285

150,225

104,353

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of mortgage loans held for sale

607,017

785,063

687,301

440,211

416,032

444,461

532,329

445,906

275,445

530,149

515,769

385,587

343,945

451,560

610,676

577,248

391,552

578,023

734,087

222,462

113,076

145,718

154,299

153,018

110,773

-

-

-

-

-

-

-

-

-

-

-

-

Gains on sales of mortgage loans held for sale

21,782

10,438

14,627

12,901

7,888

9,513

11,288

10,719

8,798

3,956

4,111

5,054

6,554

4,967

13,716

7,124

5,847

4,674

10,578

5,407

4,633

2,368

2,635

2,006

1,585

-

-

-

-

-

-

-

-

-

-

-

-

Mortgage Servicing Rights (MSR) Impairment (Recovery)

9,571

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Debt and Equity Securities, Gain (Loss)

0

0

343

-8

13

0

-16

0

0

-

-

-

-

0

0

1,257

-71

0

0

96

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Penalty on prepayment of debt

-

-

-

-

-

-

-

-

-

0

0

0

-205

0

-2,210

-329

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gains on sales of premises and equipment

0

-181

-11

984

89

10

-37

233

-8

-12

-7

-34

-512

-10

-3

-97

-5

-68

-18

-15

-4

14

44

2

12

-

-

-

-

-

-

-

-

-

-

-

-

Stock-based compensation expense

2,750

2,475

3,002

2,082

2,637

1,695

1,844

1,854

1,858

1,522

1,360

1,237

1,174

554

848

856

859

1,696

1,019

856

864

747

1,344

947

871

-

-

-

-

-

-

-

-

-

-

-

-

Net change in other loans held for sale

0

0

4,093

-14,583

70,375

60,599

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Decrease in FDIC loss share indemnification asset, net of accretion and amortization

-

-

-

-

-

-

-

-

-

-

-

-

-

449

1,393

-18

1,067

-793

1,579

1,410

2,213

4,172

4,837

3,789

1,601

-

-

-

-

-

-

-

-

-

-

-

-

(Decrease) increase in other assets

70,631

-13,080

7,582

10,797

-5,982

11,792

-6,592

16,272

-9,623

-920

12,487

8,454

-18,882

-4,545

-12,204

18,440

-11,827

7,719

-5,098

-12,567

483

-4,874

-22,963

12,419

-5,885

-

-

-

-

-

-

-

-

-

-

-

-

Increase (decrease) in other liabilities

35,331

-4,729

3,242

5,032

-15,794

-14,870

-14,427

2,063

-14,720

-2,920

-937

5,947

-14,662

-11,597

-1,633

4,834

-8,298

11,227

-2,160

5,545

-14,432

4,089

-16,632

22,899

-15,793

-

-

-

-

-

-

-

-

-

-

-

-

Net cash (used in) provided by operating activities

-123,000

133,741

-14,930

-95,295

140,107

80,144

75,091

-11,952

-61,171

154,645

44,704

-47,441

55,134

39,059

130,984

34,431

-40,677

123,455

161,613

30,048

-62,491

34,826

30,449

39,148

20,260

29,164

66,147

16,635

41,340

42,935

33,475

38,691

62,609

48,391

32,592

26,649

45,499

Investing activities
Purchases of securities available for sale

123,670

125,753

240,762

75,926

49,577

110,308

78,734

179,923

317,922

18,511

71,913

67,083

52,683

57,890

47,592

2,255

32,396

17,858

25,190

15,415

13,651

24,167

0

23,847

76,282

56,625

0

35,801

70,720

45,638

23,809

5,216

78,210

170,296

-106,121

0

48,586

Proceeds from Sale of Debt Securities, Available-for-sale

0

0

199,873

2,001

10,611

0

2,387

0

0

451,846

40,548

0

2,946

0

0

4,024

4

0

7,231

1,213

0

-

-

-

-

0

0

2

9,013

39,200

0

64,165

22,685

-

-

-

-

Proceeds from call/maturities of securities available for sale

76,269

69,767

71,782

72,229

48,509

47,192

49,856

34,320

29,335

37,401

71,116

30,128

30,800

41,127

45,163

42,266

29,803

28,175

32,027

26,647

24,814

20,103

22,883

20,250

17,069

18,152

19,708

21,473

21,425

28,573

31,710

31,248

43,433

45,571

36,839

45,554

39,227

Net increase in loans

69,337

-

-

-

808

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

4,623

1,571

3,288

5,785

6,251

18,010

64,942

54,824

1,742

2,290

23,152

128,684

0

0

10,088

59,987

35,466

29,481

15,665

53,899

271,943

-146,350

20,137

36,547

Proceeds from sales of securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-2

2

-2

4,461

-

-

-

-

0

0

7,992

5,041

Proceeds from call/maturities of securities held to maturity

-

-

-

-

-

-

-

-

-

0

375

7,797

7,710

10,100

27,795

66,317

15,193

24,011

11,621

95,895

13,922

5,807

5,408

66,908

57,890

27,616

49,997

6,080

28,590

16,538

20,092

83,416

27,975

10,777

34,510

19,777

2,140

Net increase in loans

-

-

-

-

-

-40,874

15,877

65,861

74,344

167,587

109,269

131,375

31,974

97,070

135,056

115,316

157,198

120,936

129,576

78,706

-30,542

38,468

-80

94,437

-12,038

2,389

103,200

83,202

3,608

30,595

141,126

99,189

29,776

50,222

-3,442

-1,228

-1,219

Purchases of premises and equipment

1,941

10,998

7,477

9,249

7,242

6,761

5,286

5,929

4,384

1,122

4,257

3,227

4,441

4,602

3,307

2,995

2,656

5,801

8,170

5,270

5,924

9,685

6,819

3,382

2,293

-635

2,777

3,571

2,337

4,020

7,556

2,873

3,139

10,120

-6,534

1,471

1,276

Proceeds from sales of premises and equipment

0

1,482

6

2,105

135

9

679

233

0

846

0

1,242

13

0

1,264

1,198

0

-

-

-

-

-

-

-

-

-

-

-

-

201

63

0

45

29

8

67

10

Net change in FHLB stock

12,432

-

-

-

-10,441

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net change in FHLB stock

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of other assets

770

1,154

1,955

2,330

12,965

3,075

1,260

1,941

2,085

2,646

4,100

2,078

5,307

5,899

3,083

4,346

3,611

0

0

-8,147

8,147

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash Acquired from Acquisition

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

148,443

Other, net

0

0

-915

-106

104

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash (used in) provided by investing activities

-130,341

-453,723

-107,424

30,307

24,930

-30,625

107,787

-215,219

-365,230

295,162

-22,739

-160,440

-42,322

-111,908

-110,221

19,560

-149,424

-107,900

-93,832

-48,725

3,026

-45,241

20,361

-57,660

-120,262

-12,669

133,791

-105,109

-73,163

-31,717

-150,107

55,886

-70,886

-132,449

105,305

53,010

109,671

Financing activities
Net increase in noninterest-bearing deposits

90,289

-55,286

198,072

42,761

47,517

-41,153

42,103

27,425

20,712

5,124

-75,042

63,282

18,224

46,537

55,437

1,803

106,166

-28,386

54,928

13,321

39,479

-15,672

32,778

-12,198

58,944

-20,118

28,019

-6,100

-1,149

13,633

15,344

3,282

4,045

38,779

34,444

-27,990

107,782

Net increase in interest-bearing deposits

109,115

-17,266

-101,773

-121,275

93,175

-1,358

35,672

-3,756

416,759

-201,571

50,449

-91,596

154,001

194,141

59,214

-80,314

106,105

8,569

-84,919

-65,646

64,872

90,420

-155,839

-105,855

103,928

27,274

-24,451

-43,917

95,103

51,560

-25,512

-70,252

56,884

31,103

-169,508

-139,465

-154,066

Net increase (decrease) in short-term borrowings

313,946

283,489

66,591

51,421

-300,116

212,147

-171,973

255,640

-32,061

-294,416

264,109

110,166

-99,721

-157,267

-178,046

28,385

-8,024

20,157

323,237

57,497

-25,671

-33,243

40,141

25,505

-2,283

-4,366

-42,959

35,971

1,594

-59,705

57,259

-130

-3,655

-5,903

1,322

5,174

-4,494

Repayment of long-term debt

43

1,728

33,201

214

216

206

207

206

230

279

158,898

273

10,790

266

41,528

4,498

938

1,536

305,394

858

978

5,693

2,404

4,471

989

747

925

4,204

2,197

1,556

4,291

1,603

79,261

143,374

-139,723

2,215

66,779

Cash paid for dividends

12,555

12,659

12,829

12,971

12,442

12,372

11,827

9,960

9,455

9,412

8,936

8,038

8,030

7,626

7,610

7,606

6,892

6,876

6,881

5,402

5,398

5,383

5,382

5,381

5,372

5,352

5,348

4,303

4,300

4,285

4,278

4,279

4,275

29,874

-21,338

4,269

4,266

Repurchase of shares in connection with stock repurchase program

24,569

21,299

28,707

12,938

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from Stock Options Exercised

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

29

45

28

0

120

281

0

178

-140

14

225

113

102

133

200

-37

0

246

9

Net stock-based compensation transactions

-

-

-

-

-

-

2

-2

-201

-

-2,492

343

1,976

-

-14

-19

-382

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Excess tax benefits from exercise of stock options

-

-

-

-

-

-

-

-

-

-

-

-

-

2,107

182

268

214

241

64

303

-71

-25

150

236

741

135

0

0

155

-

-

-

-

-

-

-

-

Net cash provided by (used in) financing activities

476,183

325,251

88,153

-53,216

-172,082

149,996

-106,234

269,145

395,926

-500,554

74,174

73,198

51,708

161,682

-14,180

-61,666

197,013

-7,833

-18,894

-740

72,261

30,404

-90,436

-101,883

154,969

-2,996

-45,804

-22,539

89,431

2,784

38,644

-72,849

-26,062

57,758

-139,745

-168,519

-121,814

Net increase (decrease) in cash and cash equivalents

222,842

-

-

-

-7,045

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net (decrease) increase in cash and cash equivalents

-

-

-

-

-

199,515

76,644

41,974

-30,475

-50,747

96,139

-134,683

64,520

88,833

6,583

-7,675

6,912

7,722

48,887

-19,417

12,796

19,989

-39,626

-120,395

54,967

13,499

154,134

-111,013

57,608

14,002

-77,988

21,728

-34,339

-26,300

-1,848

-88,860

33,356

Supplemental disclosures
Cash paid for interest

26,264

22,676

28,121

23,712

23,887

23,389

18,665

11,996

12,656

9,914

10,819

6,520

9,635

6,213

7,034

6,327

6,297

5,679

5,350

4,923

5,663

5,429

6,193

5,938

6,543

-

-

5,307

5,779

-

-

-

-

-

-

-

-

Cash paid for income taxes

4,176

835

12,072

8,495

5,325

3,215

9,261

5,764

6,280

3,065

16,790

5,520

7,181

0

6,320

10,951

5,460

7,842

4,774

4,626

1,368

8,203

0

4,307

4,993

-

-

6,388

2,645

-

-

-

-

-

-

-

-

Noncash transactions:
Transfers of loans to other real estate owned

1,641

1,151

1,817

911

885

1,169

366

1,137

1,154

1,281

1,191

1,059

3,168

3,723

1,639

1,554

1,954

2,667

5,338

1,371

5,559

7,374

2,289

3,532

2,497

0

2,833

5,086

5,828

14,443

12,218

14,518

7,481

12,234

3,451

9,273

18,555

Financed sales of other real estate owned

159

357

0

134

120

36

77

0

418

516

0

20

237

1,532

388

58

92

117

380

157

480

0

226

481

153

-

-

-

-

-

-

-

-

-

-

-

-

Transfers of mortgage loans held for sale to loans held for investment

-

-

-

-

-

-

-

221

442

-

0

0

0

2,383

1,080

7,765

6,610

11,096

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Recognition of operating right-of-use assets

1,968

1,411

14,728

20,704

54,338

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Recognition of operating lease liabilities

2,034

1,411

14,728

20,704

57,857

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-