Blog: RENASANT CORP : Results of Operations and Financial Condition, Regulation FD Disclosure, Financial Statements and Exhibits (form 8-K) – Marketscreener.com

Item 2.02. Results of Operations and Financial Condition.

On January 24, 2023, Renasant Corporation (“Renasant”) issued a press release
announcing earnings for the fourth quarter of 2022. The press release is
furnished as Exhibit 99.1 to this Form 8-K.

Item 7.01. Regulation FD Disclosure

On January 24, 2023, Renasant also made available presentation materials (the
“Presentation”) prepared for use with Renasant’s earnings conference call on
January 25, 2023. The Presentation is attached hereto and incorporated herein as
Exhibit 99.2.

In accordance with General Instruction B.2 of Form 8-K, the information in this
Item 7.01, including Exhibit 99.2, is being furnished and shall not be deemed to
be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as
amended, or otherwise subject to the liabilities of that section, and shall not
be deemed incorporated by reference into any registration statement or other
document filed pursuant to the Securities Act of 1933, as amended, or the
Securities Exchange Act of 1934, as amended, except as shall be expressly set
forth by specific reference in such filing.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS:
The exhibits furnished herewith may contain, or incorporate by reference,
statements about Renasant that constitute “forward-looking statements” within
the meaning of Section 27A of the Securities Act of 1933, as amended, and
Section 21E of the Securities Exchange Act of 1934, as amended. Statements
preceded by, followed by or that otherwise include the words “believes,”
“expects,” “projects,” “anticipates,” “intends,” “estimates,” “plans,”
“potential,” “focus,” “possible,” “may increase,” “may fluctuate,” “will likely
result,” and similar expressions, or future or conditional verbs such as “will,”
“should,” “would” and “could,” are generally forward-looking in nature and not
historical facts. Forward-looking statements include information about the
Company’s future financial performance, business strategy, projected plans and
objectives and are based on the current beliefs and expectations of management.
The Company’s management believes these forward-looking statements are
reasonable, but they are all inherently subject to significant business,
economic and competitive risks and uncertainties, many of which are beyond the
Company’s control. In addition, these forward-looking statements are subject to
assumptions with respect to future business strategies and decisions that are
subject to change. Actual results may differ from those indicated or implied in
the forward-looking statements, and such differences may be material.
Prospective investors are cautioned that any forward-looking statements are not
guarantees of future performance and involve risks and uncertainties and,
accordingly, investors should not place undue reliance on these forward-looking
statements, which speak only as of the date they are made.

Important factors currently known to management that could cause our actual
results to differ materially from those in forward-looking statements include
the following: (i) Renasant’s ability to efficiently integrate acquisitions into
its operations, retain the customers of these businesses, grow the acquired
operations and realize the cost savings expected from an acquisition to the
extent and in the timeframe anticipated by management; (ii) the effect of
economic conditions and interest rates on a national, regional or international
basis; (iii) timing and success of the implementation of changes in operations
to achieve enhanced earnings or effect cost savings; (iv) competitive pressures
in the consumer finance, commercial finance, insurance, financial services,
asset management, retail banking, mortgage lending and auto lending industries;
(v) the financial resources of, and products available from, competitors; (vi)
changes in laws and regulations as well as changes in accounting standards;
(vii) changes in policy by regulatory agencies; (viii) changes in the securities
and foreign exchange markets; (ix) Renasant’s potential growth, including its
entrance or expansion into new markets, and the need for sufficient capital to
support that growth; (x) changes in the quality or composition of Renasant’s
loan or investment portfolios, including adverse developments in borrower
industries or in the repayment ability of individual borrowers; (xi) an
insufficient allowance for credit losses as a result of inaccurate assumptions;
(xii) general economic, market or business conditions, including the impact of
inflation; (xiii) changes in demand for loan products and financial services;
(xiv) concentration of credit exposure; (xv) changes or the lack of changes in
interest rates, yield curves and interest rate spread relationships; (xvi)
increased cybersecurity risk, including potential network breaches, business
disruptions or financial losses; (xvii) civil unrest, natural disasters,
epidemics (including the re-emergence of the COVID-19

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pandemic) and other catastrophic events in Renasant’s geographic area; (xviii)
the impact, extent and timing of technological changes; and (xix) other
circumstances, many of which are beyond management’s control.

Management believes that the assumptions underlying Renasant’s forward-looking
statements are reasonable, but any of the assumptions could prove to be
inaccurate. Investors are urged to carefully consider the risks described in
Renasant’s filings with the Securities and Exchange Commission (the “SEC”) from
time to time, including its most recent Annual Report on Form 10-K and
subsequent Quarterly Reports on Form 10-Q, which are available at
http://www.renasant.com and the SEC’s website at http://www.sec.gov.

Renasant undertakes no obligation, and specifically disclaims any obligation, to
update or revise forward-looking statements, whether as a result of new
information or to reflect changed assumptions, the occurrence of unanticipated
events or changes to future operating results over time, except as required by
federal securities laws.

Item 9.01. Financial Statements and Exhibits.

(d) The following exhibits are furnished herewith:

Exhibit No. Description

99.1 Press release dated January 24, 2023 issued by Renasant Corporation
announcing earnings for the fourth quarter of 2022

99.2 Presentation materials for Renasant Fourth Quarter 2022 Earnings Call.

104 The cover page of Renasant Corporation’s Form 8-K is formatted in Inline
XBRL.

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