Renasant Corporation (RNST) Q1 2023 Earnings Conference Call April 26, 2023 10:00 AM ET

Corporate Participants

Kelly Hutcheson - Chief Accounting Officer, Executive Vice President

Mitch Waycaster - President and Chief Executive Officer

Kevin Chapman - Chief Operating Officer, Senior Executive Vice President

Jim Mabry - Chief Financial Officer, Senior Executive Vice President

David Meredith - Chief Credit Officer, Senior Executive Vice President

Conference Call Participants

Brad Milsaps - Piper Sandler

Dave Bishop - D.A. Davidson

Catherine Mealor - KBW

Michael Rose - Raymond James

Operator

Good morning, and welcome to the Renasant Corporation 2023 First Quarter Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions]. Please note the event is being recorded.

I'd now like to turn the call over to Kelly Hutchinson, Chief Accounting Officer. Please go ahead.

Kelly Hutcheson

Good morning and thank you for joining us for Renasant Corporation's quarterly webcast and conference call. Participating in this call today are members of Renasant's executive management team.

Before we begin, please note that many of our comments during this call will be forward-looking statements, which involve risk and uncertainty. There are many factors that could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements. Such factors include, but are not limited to, changes in the mix and cost of our funding sources, interest rate fluctuation, regulatory changes, portfolio performance and other factors discussed in our recent filings with the Securities and Exchange Commission, including our recently filed earnings release, which has been posted to our corporate site, www.renasant.com at the press release's link under the News and Market Data tab.

We undertake no obligation, and we specifically disclaim any obligation to update or revise forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time. In addition, some of the financial measures that we may discuss this morning are non-GAAP financial measures. A reconciliation of the non-GAAP measures to the most comparable GAAP measures can be found in our earnings release.

And now I will turn the call over to our President and Chief Executive Officer, Mitch Waycaster.

Mitch Waycaster

Thank you, Kelly. Good morning. We appreciate you joining the call today and your interest in Renasant.

Before Kevin and Jim discuss the results for the first quarter, I would like to reflect on the environment and the outlook for the balance of the year.