Renasant Corporation. (NASDAQ:RNST) Q4 2022 Earnings Conference Call January 25, 2023 10:00 AM ET

Company Participants

Kelly Hutcheson - EVP & CAO

Mitchell Waycaster - President, CEO & Director

Kevin Chapman - Senior EVP & COO

James Mabry - Senior EVP & CFO

David Meredith - Senior EVP & Chief Credit Officer

Conference Call Participants

Catherine Mealor - KBW

Michael Rose - Raymond James

Thomas Wendler - Stephens

Operator

Good morning, and welcome to the Renasant Corporation 2022 Fourth Quarter Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] Please note that this event is being recorded today.

I would now like to turn the conference over to Kelly Hutcheson, 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, 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.

Mitchell Waycaster

Thank you Kelly. Good morning. We appreciate you joining the call today and your interest in Renasant. Before Kevin and Jim discuss results for the fourth quarter, I want to reflect on the past year and the opportunities ahead. 2022 was a successful year for our company. We produced solid core earnings attributable to margin expansion, expense management, loan growth and the benefits of a good core deposit base. I am very proud of our team that successfully adapted to changes in this operating environment and continued to put each other and our customers first.