For the quarter ending 2025-09-30, RNST had -$294,827K decrease in cash & cash equivalents over the period. $120,129K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Proceeds from sale of msr | - | 9,353 |
| Net income | 59,788 | 42,536 |
| Provision for credit losses | 10,450 | 86,072 |
| Depreciation, amortization and accretion | 1,378 | 11,789 |
| Deferred income tax (benefit) expense | -3,495 | -608 |
| Gain on sale of msr | 0 | 1,467 |
| Gain on sale of insurance agency | 0 | - |
| Funding of mortgage loans held for sale | 425,482 | 794,785 |
| Proceeds from sales of mortgage loans held for sale | 499,372 | 698,716 |
| Gains on sales of mortgage loans held for sale | 5,270 | 9,816 |
| Debt prepayment benefit | 0 | 0 |
| (gains) losses on sales of premises and equipment | 0 | 347 |
| Stock-based compensation expense | 5,443 | 8,084 |
| Increase (decrease) in other assets | 4,084 | -4,335 |
| Decrease in other liabilities | 6,723 | -25,001 |
| Net cash provided by operating activities | 135,470 | 28,861 |
| Purchases of securities available for sale | 112,874 | 946,095 |
| Proceeds from sales of securities available for sale | 0 | 686,485 |
| Proceeds from call/maturities of securities available for sale | 90,404 | 113,025 |
| Proceeds from call/maturities of securities held to maturity | 26,566 | 52,352 |
| Proceeds from sale of msr | 9,353 | - |
| Net increase in loans | 449,243 | 480,005 |
| Purchases of premises and equipment | 15,341 | 14,996 |
| Proceeds from sales of premises and equipment | 20 | 1,346 |
| Net cash received from sale of insurance agency | 0 | - |
| Proceeds from surrender of bank-owned life insurance | 0 | 56,255 |
| Net change in fhlb stock | 447 | 5,683 |
| Proceeds from sales of other assets | 827 | 11,778 |
| Net cash received in acquisition of businesses | 0 | 261,483 |
| Other, net | -1,954 | -1,882 |
| Net cash (used in) provided by investing activities | -448,781 | -262,173 |
| Net increase (decrease) in noninterest-bearing deposits | -117,722 | 164,306 |
| Net increase in interest-bearing deposits | -43,355 | 391,930 |
| Net increase (decrease) in short-term borrowings | 200,714 | -919 |
| Repayment of long-term debt | 0 | 0 |
| Cash paid for dividends | 21,153 | 35,425 |
| Proceeds from equity offering | 0 | - |
| Net cash provided by financing activities | 18,484 | 519,892 |
| Net (decrease) increase in cash and cash equivalents | -294,827 | 286,580 |
| Cash and cash equivalents at beginning of period | 1,092,032 | - |
| Cash and cash equivalents at end of period | 1,083,785 | - |
RENASANT CORP (RNST)
RENASANT CORP (RNST)