EX-99.1 2 dex991.htm PRESENTATION FOR SEVENTH ANNUAL COMMUNITY BANK INVESTOR CONFERENCE Presentation for Seventh Annual Community Bank Investor Conference
1
Keefe, Bruyette & Woods
Investor Conference Presentation
Exhibit 99.1

2
This presentation may contain forward-looking statements
regarding Renasant Corporation.  All forward-looking
statements involve risk and uncertainty and actual results could
differ materially from the anticipated results or other
expectations expressed in the forward-looking statements.  A
discussion of factors that could cause actual results to differ
materially from those expressed in the forward-looking
statements is included in the Company’s filings with the United
States Securities and Exchange Commission.

3
NASDAQ Global Select Market
102 Year Old Community Bank
Renasant Corporation Background

4
Parent of Renasant Bank, and Renasant Insurance
$2.5 billion in assets
Operate 61 banking and insurance offices in 38 cities in
Mississippi, Tennessee and Alabama
Insurance agency -
$35 million annual P & C and Life premium
Mortgage
Lending
Division
-
Over
$400
million
annual
originations
Wealth
Management
Division
-
Over
$450
million
assets
under
management
Recent Acquisitions: Renasant Bancshares, July 2004; Heritage
Financial Holding Corporation, January 2005
Profile

5
Attractive Markets
Solid Financial Performance
Quality Credit 
Prudent Growth Strategies
Capable Management Team
Key Investment Points

Renasant  Bank Offices
Current Market
Target Market
Corporate Headquarters
Renasant Insurance Offices
TENNESSEE
MISSISSIPPI
ALABAMA
FLORIDA
Jackson
Madison
Tuscaloosa
Oxford
Brentwood
Murfreesboro
Nashville
Huntsville
Birmingham
Decatur
Muscle
Shoals
Florence
Corinth
Tupelo
Memphis
Cordova
Germantown
Hernando
Horn Lake
Southaven
Louisville
Columbus
Starkville
Mobile
Pensacola
Panama City
Grenada
Attractive Markets
Pre
2004
Key
Markets
Destin
Gulf Shores
Franklin

7
Attractive Markets
Pre 2004
Key Markets
Available Deposits
Market Growth
Market Share
Tupelo
1.3 Billion
8%
22%
DeSoto County
1.2 Billion
8%
5%
Total
2.5 Billion

8
Attractive Markets
Acquisitions
2004
Renasant Bancshares
Assets: $226 Million
Deposits: $185 Million
Loans: $172 Million
Offices: Germantown, Cordova, TN
2005
Heritage Financial Holding Corporation
Assets: $540 Million
Deposits: $381 Million
Loans: $391 Million
Offices: Birmingham (3), Huntsville
(2), Decatur (3), Alabama
De Novo
2005
Nashville, TN -
Limited Service Bank
2005
Oxford, MS –
Full Service Bank
2005
East Memphis –
Full Service Bank
2006
Collierville –
Full Service Bank

Renasant  Bank Offices
Current Market
Target Market
Corporate Headquarters
Renasant Insurance Offices
TENNESSEE
MISSISSIPPI
ALABAMA
FLORIDA
Jackson
Madison
Tuscaloosa
Oxford
Brentwood
Murfreesboro
Nashville
Huntsville
Birmingham
Decatur
Muscle
Shoals
Florence
Corinth
Tupelo
Memphis
Cordova
Germantown
Hernando
Horn Lake
Southaven
Louisville
Columbus
Starkville
Mobile
Pensacola
Panama City
Grenada
Attractive Markets
Key Growth Markets
Gulf Shores
Franklin
Destin
As of 6/30/06 approximately
71% of loans and 60%
of deposits are held in our
key growth markets.

10
Attractive Markets
Current
Key Markets
Available Deposits
Deposit Growth
Deposit Share
Tupelo
1.3 Billion
8%
24%
DeSoto County
1.2 Billion
8%
5%
Birmingham
14.7 Billion
8%
1%
Decatur
1.1 Billion
3%
13%
Huntsville/Madison
5.5 Billion
8%
3%
Germantown
1.3 Billion
10%
15%
Oxford
.5 Billion
12%
0%
Collierville
.5 Billion
10%
0%
Memphis/Cordova
21 Billion
10%
0%
Nashville/Brentwood
13.5 Billion
11%
0%
Total
60.6 Billion

11
Attractive Markets
Alabama
Birmingham -
•
3.1% Unemployment Rate
•
6.3%
and
10.4%
growth
in
income
and
housing
over the past quarter on record
•
10
th
Hottest
Location
for
Business
Expansion
in
the
U.S.
Huntsville -
•
Salaries.com listed as best value for salaries and
cost of living
•
#1 Mid-market in the south -
Southern Business &
Development Magazine
•
B.R.A.C. –
4,000 Military / 10,000 Civilian Families to
relocate here
Decatur -
•
Home to 20 fortune 500 Companies
•
BRAC to relocate here as well

12
Tennessee
Memphis -
•
Ranked #7 for hottest cities for business
expansion
and #7 for real estate markets by
Expansion Management Magazine
•
10 Renasant locations within Memphis MSA
•
Key distribution hub of the mid-south as well as the
entire nation
Nashville -
•
Major companies relocating headquarters to this
region
•
Hottest city for business expansion 2 years in a row
by Expansion Management Magazine
•
Over 401 major business relocations over the past 3
years
Attractive Markets

13
Attractive Markets
Mississippi
DeSoto County -
•
Fastest growing county in                           
Mississippi
•
Highest median household income                            
in the State
Oxford -
•
One of the nation’s hottest real estate             
markets
•
Average home valued at $214,000
Tupelo -
•
Ranked 2
nd
in the Nation as                                  
“most active micropolitan area for                          
new and expanding industries.”

14
Total Loans ($ Millions)
Solid
Financial
Performance:
Loan
Growth
Does not include mortgage loans held for sale.
Year to date as of 6/30/06.
700
1,000
1,300
1,600
1,900

15
Loan Growth by Market
State
Trailing 12 Month Loan Growth
Tennessee
$86 Million            
Mississippi
$18 Million              
Alabama
$33 Million           
Total Growth
$137 Million

16
77 %
23 %
Loan Composition –
June 2006
Solid Financial Performance
Commercial
Consumer
Real Estate
Non-
Real
Estate
82 %
18 %

17
Total Deposits ($ Millions)
Solid Financial Performance:  Deposit Growth
Year to date as of 6/30/06.
1,000
1,250
1,500
1,750
2,000

18
Deposit Growth by Market
State
Trailing 12 Month Deposit Growth
Tennessee
$58 Million
Mississippi
$133 Million          
Alabama
$28 Million
Total Growth
$219 Million

19
Solid Financial Performance
Deposit-Composition-–-June-2006
80% Core Deposits
28%
12%
14%
25%
21%
Time
>/= $100K
Savings/
MMkt
Non-Int.
Demand
Interest
Bearing
Time
< $100K

20
Quarterly Net-Interest Income ($000)
Solid Financial Performance:  Growing Net-Interest
Income
12,000
14,000
16,000
18,000
20,000
22,000
Net Interest Income
Excluding SOP 03-3

21
Solid Financial Performance: Net Interest Margin
Year to date for the six months ended 6/30/06.
Net Interest Margin (%)
3.80
4.00
4.20
4.40
4.60
4.80
NIM
Excluding SOP 03-3

22
1.00
1.40
1.80
2.20
2.60
RNST
Peer Average
Solid Financial Performance: Non-Interest Income
/Average Assets
Source:  SNL Financial and Company reports.
Peer group includes publicly traded banks headquartered in AL, AR, FL, GA, LA, MS and TN with assets between $1 billion and $10 billion, excluding merger targets.
Non-Interest Income /Average Assets (%) -
Annualized

23
2006
Non Interest Income / Average Assets
Mississippi Division
3.23%
Tennessee Division
0.28%
Alabama Division
1.46%
Solid Financial Performance: Fee Income
Opportunity

24
Solid Financial Performance: Fee Income
Composition
Loan = 25%
Deposit = 42%
Mortgage Loan = 13%
Insurance = 8%
Trust and Wealth Management = 6%
Other = 6%

25
2.75
3.00
3.25
3.50
3.75
4.00
RNST
Peer Average
Solid Financial Performance: Non-Interest Expense
/Average Assets
Non-Interest
Expense
/Average
Assets
(%)
-
Annualized
Source:  SNL Financial and Company reports.
Peer group includes publicly traded banks headquartered in AL, AR, FL, GA, LA, MS and TN with assets between $1 billion and $10 billion, excluding merger targets.

26
0.40
0.48
0.56
0.64
0.72
1.40
1.70
2.00
2.30
2.60
Annual Earnings per Share ($)
Thru 2005
5 YR CAGR = 14%
10 YR CAGR = 8%
Solid Financial Performance:  Improving Trend in
EPS
Quarterly Earnings per Share ($)

27
0.00
0.13
0.26
0.39
0.52
2001
2002
2003
2004
2005
YTD
RNST
Peer Average
0.00
0.25
0.50
0.75
1.00
2001
2002
2003
2004
2005
YTD
RNST
Peer Average
NPLs + 90 / Loans (%)
NCOs / Avg Loans (%)
Quality Credit
Source:  SNL Financial and Company reports.
Peer group includes publicly traded banks headquartered in AL, AR, FL, GA, LA, MS and TN with assets between $1 billion and $10 billion, excluding merger targets.
Net charge off data annualized.
RNST year to date as of or for the six months ended 6/30/06.  Peer data year to date as of or for the three months ended 3/31/06.

28
Outstanding Loan Concentration
for June 2006
Largest Loan Outstanding to One Borrower -
$13.5 million
Average Loan over $2 million -
$3.5 million
Average Commercial Credit -
$168,250
Quality Credit
14%
86%
$2M Plus
Other

29
Prudent Growth Strategies
Loans
•
Key Hires of Commercial Relationship Officers
•
HELOC referrals from Mortgage Lending Division
Core Deposits
•
High Performance Business and Consumer Checking
•
Renasant Relationship Account
•
Cash Management Services
Wealth Management
•
Expanding-Private-Client-Financial-Services-Center--One-Stop-Shop-staffed-with
CPA,-CFP,-Trust-Relationship-Officer,-and-Lender
•
Expand-Renasant-Financial-Services-–-Retail-Investment-Sales
Mortgage Lending
•
Expanding wholesale in Memphis and Nashville
•
Expanding retail in Memphis, Birmingham and Nashville
Insurance
•
Strategic Alliances
•
Bank Integration

30
Prudent Growth Strategies
De Novo Plans
•
Birmingham, AL
2007
•
Huntsville, AL
2007
•
Oxford, MS
2007
•
Nashville, TN
2007

31
Name
Title
Experience
E. Robinson McGraw
Chairman and CEO –
Renasant Bank &
Renasant Corporation      
36 years
Frank Cianciola
President-
Renasant Tennessee 
29 years
Steve Corban
Senior Executive Vice President-
25 Years
General Counsel
Jim Gray
Senior Executive Vice President-CIO
27 years
Stuart Johnson
Senior Executive Vice President-CFO
28 years
Harold Livingston
Senior Executive Vice President-
Chief Credit Officer
33 years
Larry Mathews
President-Renasant Alabama
29 years
Claude Springfield, III
Senior Executive Vice President-
Chief Credit Policy Officer
36 years
Mitch Waycaster
President-
Renasant Mississippi
26 years
Average Years of Experience
30 years
Capable Management Team

32
50
100
150
200
250
300
350
400
RNST
NASDAQ Bank Index
19 years of
Dividend Increases
Price Performance and Shareholder Return
Since 12/31/2000
Price
Total
Dividend
Performance
Return
(1)
Yield
RNST
251
%
308
%
2.18
%
NASDAQ Bank Index
66
83
2.34
Source: Bloomberg.
Data as of 7/19/06.
Prices are adjusted for stock splits and dividends.
(1)
Includes reinvestment of dividends.

33
Fair Valuation
Est 2006
Est 2006
Price /
Dividend
GAAP P/E
Cash P/E
Book
Yield
RNST
16.7
x
16.1
x
181
%
2.2
%
Peer Average
16.8
16.3
209
1.9
Source:  SNL Financial.
Pricing data as of 7/19/06.
Earnings estimates are consensus of Wall Street analysts' estimates as compiled by First Call.
Cash basis ratios calculated by adding back latest quarter before-tax amortization annualized.
Peer group includes publicly traded banks headquartered in AL, AR, FL, GA, LA, MS and TN with assets between $1 billion and $10 billion, excluding merger targets.

34
Attractive Markets
Solid Financial Performance
Quality Credit 
Prudent Growth Strategies
Capable Management Team
Key Investment Points

35
Nasdaq:RNST
www.renasant.com
Jim Gray
Stuart Johnson
Senior Executive Vice President-CIO
Senior Executive Vice President-CFO
662-680-1217
662-680-1472
jimg@renasant.com
stuartj@renasant.com