XML 84 R73.htm IDEA: XBRL DOCUMENT
v3.20.2

Allowance for Credit Losses - Roll Forward Of the Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended |
--- | --- | --- | ---
Jun. 30, 2020 | Jun. 30, 2019 | Jun. 30, 2020 | Jun. 30, 2019 | Dec. 31, 2019
Allowance for loan losses: |  |  |  |  |
Beginning balance | $ 120,185 | $ 49,835 | $ 52,162 | $ 49,026 |
Charge-offs | (3,566) | (1,451) | (8,915) | (2,988) |
Recoveries | 1,868 | 775 | 6,406 | 1,621 |
Net (charge-offs) recoveries | (1,698) | (676) | (2,509) | (1,367) |
Provision for credit losses on loans | 26,900 | 900 | 53,250 | 2,400 |
Ending balance | 145,387 | 50,059 | 145,387 | 50,059 |
Individually evaluated | 5,080 | 1,873 | 5,080 | 1,873 |
Collectively evaluated | 140,307 | 45,520 | 140,307 | 45,520 |
Loans: |  |  |  |  |
Individually evaluated | 23,387 |  | 23,387 |  | $ 51,179
Collectively evaluated | 10,973,917 |  | 10,973,917 |  | 9,466,195
Ending balance | 10,997,304 |  | 10,997,304 |  | 9,689,638
Nonaccruing loans with no allowance for credit losses | 7,135 |  | 7,135 |  |
Purchased with deteriorated credit quality |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Ending balance |  | 2,666 |  | 2,666 |
Loans: |  |  |  |  |
Ending balance |  |  |  |  | 172,264
Commercial, financial, agricultural |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 25,937 | 9,622 | 10,658 | 8,269 |
Charge-offs | (1,156) | (694) | (1,549) | (952) |
Recoveries | 108 | 241 | 298 | 615 |
Net (charge-offs) recoveries | (1,048) | (453) | (1,251) | (337) |
Provision for credit losses on loans | 5,796 | 365 | 9,927 | 1,602 |
Ending balance | 30,685 | 9,534 | 30,685 | 9,534 |
Individually evaluated | 3,882 | 1,191 | 3,882 | 1,191 |
Collectively evaluated | 26,803 | 8,172 | 26,803 | 8,172 |
Loans: |  |  |  |  |
Individually evaluated | 9,736 |  | 9,736 |  | 8,460
Collectively evaluated | 2,631,862 |  | 2,631,862 |  | 1,329,974
Ending balance | 2,641,598 |  | 2,641,598 |  | 1,367,972
Nonaccruing loans with no allowance for credit losses | 720 |  | 720 |  |
Commercial, financial, agricultural | Purchased with deteriorated credit quality |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Ending balance |  | 171 |  | 171 |
Loans: |  |  |  |  |
Ending balance |  |  |  |  | 29,538
Real estate – construction: |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 10,924 | 4,778 | 5,029 | 4,755 |
Charge-offs | (532) | 0 | (532) | 0 |
Recoveries | 0 | 0 | 0 | 7 |
Net (charge-offs) recoveries | (532) | 0 | (532) | 7 |
Provision for credit losses on loans | 2,146 | 524 | 4,536 | 540 |
Ending balance | 12,538 | 5,302 | 12,538 | 5,302 |
Individually evaluated | 0 | 8 | 0 | 8 |
Collectively evaluated | 12,538 | 5,294 | 12,538 | 5,294 |
Loans: |  |  |  |  |
Individually evaluated | 0 |  | 0 |  | 12,416
Collectively evaluated | 791,108 |  | 791,108 |  | 813,204
Ending balance | 791,108 |  | 791,108 |  | 826,483
Nonaccruing loans with no allowance for credit losses | 0 |  | 0 |  |
Real estate – construction: | Purchased with deteriorated credit quality |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Ending balance |  | 0 |  | 0 |
Loans: |  |  |  |  |
Ending balance |  |  |  |  | 863
Real estate – 1-4 family mortgage |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 27,320 | 9,491 | 9,814 | 10,139 |
Charge-offs | (142) | (378) | (363) | (875) |
Recoveries | 48 | 115 | 136 | 312 |
Net (charge-offs) recoveries | (94) | (263) | (227) | (563) |
Provision for credit losses on loans | 2,175 | 388 | 5,500 | 40 |
Ending balance | 29,401 | 9,616 | 29,401 | 9,616 |
Individually evaluated | 378 | 188 | 378 | 188 |
Collectively evaluated | 29,023 | 8,913 | 29,023 | 8,913 |
Loans: |  |  |  |  |
Individually evaluated | 5,142 |  | 5,142 |  | 20,262
Collectively evaluated | 2,783,371 |  | 2,783,371 |  | 2,810,808
Ending balance | 2,788,513 |  | 2,788,513 |  | 2,866,613
Nonaccruing loans with no allowance for credit losses | 2,503 |  | 2,503 |  |
Real estate – 1-4 family mortgage | Purchased with deteriorated credit quality |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Ending balance |  | 515 |  | 515 |
Loans: |  |  |  |  |
Ending balance |  |  |  |  | 35,543
Real estate – commercial mortgage: |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 44,237 | 24,643 | 24,990 | 24,492 |
Charge-offs | 0 | (167) | (2,047) | (729) |
Recoveries | 41 | 366 | 1,740 | 611 |
Net (charge-offs) recoveries | 41 | 199 | (307) | (118) |
Provision for credit losses on loans | 15,783 | (540) | 31,085 | (72) |
Ending balance | 60,061 | 24,302 | 60,061 | 24,302 |
Individually evaluated | 550 | 482 | 550 | 482 |
Collectively evaluated | 59,511 | 21,842 | 59,511 | 21,842 |
Loans: |  |  |  |  |
Individually evaluated | 7,883 |  | 7,883 |  | 9,550
Collectively evaluated | 4,402,870 |  | 4,402,870 |  | 4,131,582
Ending balance | 4,410,753 |  | 4,410,753 |  | 4,244,265
Nonaccruing loans with no allowance for credit losses | 3,910 |  | 3,910 |  |
Real estate – commercial mortgage: | Purchased with deteriorated credit quality |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Ending balance |  | 1,978 |  | 1,978 |
Loans: |  |  |  |  |
Ending balance |  |  |  |  | 103,133
Lease financing |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 1,588 |  | 910 |  |
Charge-offs | 0 |  | 0 |  |
Recoveries | 5 |  | 10 |  |
Net (charge-offs) recoveries | 5 |  | 10 |  |
Provision for credit losses on loans | 219 |  | 371 |  |
Ending balance | 1,812 |  | 1,812 |  |
Individually evaluated | 0 |  | 0 |  |
Collectively evaluated | 1,812 |  | 1,812 |  |
Loans: |  |  |  |  |
Individually evaluated | 0 |  | 0 |  |
Collectively evaluated | 80,779 |  | 80,779 |  |
Ending balance | 80,779 |  | 80,779 |  |
Nonaccruing loans with no allowance for credit losses | 0 |  | 0 |  |
Installment and Other |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance | 10,179 | 1,301 | 761 | 1,371 |
Charge-offs | (1,736) | (212) | (4,424) | (432) |
Recoveries | 1,666 | 53 | 4,222 | 76 |
Net (charge-offs) recoveries | (70) | (159) | (202) | (356) |
Provision for credit losses on loans | 781 | 163 | 1,831 | 290 |
Ending balance | 10,890 | 1,305 | 10,890 | 1,305 |
Individually evaluated | 270 | 4 | 270 | 4 |
Collectively evaluated | 10,620 | 1,299 | 10,620 | 1,299 |
Loans: |  |  |  |  |
Individually evaluated | 626 |  | 626 |  | 491
Collectively evaluated | 283,927 |  | 283,927 |  | 380,627
Ending balance | 284,553 |  | 284,553 |  | 384,305
Nonaccruing loans with no allowance for credit losses | $ 2 |  | 2 |  |
Installment and Other | Purchased with deteriorated credit quality |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Ending balance |  | $ 2 |  | $ 2 |
Loans: |  |  |  |  |
Ending balance |  |  |  |  | $ 3,187
Cumulative Effect, Period Of Adoption, Adjustment |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance |  |  | 42,484 |  |
Cumulative Effect, Period Of Adoption, Adjustment | Commercial, financial, agricultural |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance |  |  | 11,351 |  |
Cumulative Effect, Period Of Adoption, Adjustment | Real estate – construction: |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance |  |  | 3,505 |  |
Cumulative Effect, Period Of Adoption, Adjustment | Real estate – 1-4 family mortgage |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance |  |  | 14,314 |  |
Cumulative Effect, Period Of Adoption, Adjustment | Real estate – commercial mortgage: |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance |  |  | 4,293 |  |
Cumulative Effect, Period Of Adoption, Adjustment | Lease financing |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance |  |  | 521 |  |
Cumulative Effect, Period Of Adoption, Adjustment | Installment and Other |  |  |  |  |
Allowance for loan losses: |  |  |  |  |
Beginning balance |  |  | $ 8,500 |  |

X
- Definition Financing Receivable, before Allowance for Credit Loss, Net of Unearned Income + References No definition available. + Details
Name: | rnst_FinancingReceivableBeforeAllowanceForCreditLossNetOfUnearnedIncome
Namespace Prefix: | rnst_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount, after recovery, of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922352-210448 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(2)) -URI http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 45 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=121599878&loc=SL82895884-210446 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (f) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLosses
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of increase in allowance for credit loss on financing receivable from recovery. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922352-210448 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (e) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(4) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (d) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922352-210448 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition The balance of financing receivables that were collectively evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition The balance of financing receivables that were individually evaluated for impairment. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (h) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amount of financing receivable on nonaccrual status with no allowance for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 16 -Subparagraph (d) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919258-210447 + Details
Name: | us-gaap_FinancingReceivableNonaccrualNoAllowance
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- References No definition available. + Details
Name: | us-gaap_NotesReceivableNetAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of credit loss expense (reversal of expense) for financing receivable. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 220 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04(11)) -URI http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260 + Details
Name: | us-gaap_ProvisionForLoanLossesExpensed
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_CreditLossStatusAxis=us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rnst_RealEstateOneToFourFamilyMortgageMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rnst_CommercialResidentialMortgageMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rnst_LeaseFinancingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=rnst_InstallmentLoansToIndividualsMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_CumulativeEffectPeriodOfAdoptionAxis=srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |