XML 51 R36.htm IDEA: XBRL DOCUMENT
v3.22.4

Allowance for Credit Losses (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2022
Receivables [Abstract] |
Roll forward of the allowance for loan losses | The following table provides a roll-forward of the allowance for credit losses by loan category and a breakdown of the ending balance of the allowance based on the Company’s credit loss methodology for the periods presented:
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Lease Financing |  | Installment Loans to Individuals |  | Total
Year Ended December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 33,922 |  |  | $ | 16,419 |  |  | $ | 32,356 |  |  | $ | 68,940 |  |  | $ | 1,486 |  |  | $ | 11,048 |  |  | $ | 164,171 |
Impact of PCD loans acquired during the period | 11,460 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,460 |
Charge-offs | (5,120) |  |  | — |  |  | (757) |  |  | (5,134) |  |  | (7) |  |  | (3,167) |  |  | (14,185) |
Recoveries | 2,471 |  |  | — |  |  | 821 |  |  | 418 |  |  | 146 |  |  | 3,000 |  |  | 6,856 |
Net charge-offs | (2,649) |  |  | — |  |  | 64 |  |  | (4,716) |  |  | 139 |  |  | (167) |  |  | (7,329) |
Provision (recoveries) of credit losses on loans | 1,522 |  |  | 2,695 |  |  | 12,307 |  |  | 7,574 |  |  | 838 |  |  | (1,148) |  |  | 23,788 |
Ending balance | $ | 44,255 |  |  | $ | 19,114 |  |  | $ | 44,727 |  |  | $ | 71,798 |  |  | $ | 2,463 |  |  | $ | 9,733 |  |  | $ | 192,090 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 4,397 |  |  | $ | — |  |  | $ | 46 |  |  | $ | 1,729 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 6,442 |
Collectively evaluated | 39,858 |  |  | 19,114 |  |  | 44,681 |  |  | 70,069 |  |  | 2,463 |  |  | 9,463 |  |  | 185,648 |
Ending balance | $ | 44,255 |  |  | $ | 19,114 |  |  | $ | 44,727 |  |  | $ | 71,798 |  |  | $ | 2,463 |  |  | $ | 9,733 |  |  | $ | 192,090 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 8,536 |  |  | $ | 489 |  |  | $ | 9,202 |  |  | $ | 10,953 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 29,450 |
Collectively evaluated | 1,665,347 |  |  | 1,329,848 |  |  | 3,207,061 |  |  | 5,107,110 |  |  | 115,013 |  |  | 124,475 |  |  | 11,548,854 |
Ending balance | $ | 1,673,883 |  |  | $ | 1,330,337 |  |  | $ | 3,216,263 |  |  | $ | 5,118,063 |  |  | $ | 115,013 |  |  | $ | 124,745 |  |  | $ | 11,578,304 |
Nonaccruing loans with no allowance for credit losses | $ | 464 |  |  | $ | — |  |  | $ | 7,278 |  |  | $ | 3,157 |  |  | $ | — |  |  | $ | — |  |  | $ | 10,899 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Lease Financing |  | Installment Loans to Individuals |  | Total
Year Ended December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 39,031 |  |  | $ | 16,047 |  |  | $ | 32,165 |  |  | $ | 76,127 |  |  | $ | 1,624 |  |  | $ | 11,150 |  |  | $ | 176,144 |
Charge-offs | (7,087) |  |  | (52) |  |  | (1,164) |  |  | (5,184) |  |  | (13) |  |  | (5,374) |  |  | (18,874) |
Recoveries | 1,470 |  |  | 13 |  |  | 1,498 |  |  | 541 |  |  | 49 |  |  | 5,030 |  |  | 8,601 |
Net charge-offs | (5,617) |  |  | (39) |  |  | 334 |  |  | (4,643) |  |  | 36 |  |  | (344) |  |  | (10,273) |
Provision for credit losses on loans | 508 |  |  | 411 |  |  | (143) |  |  | (2,544) |  |  | (174) |  |  | 242 |  |  | (1,700) |
Ending balance | $ | 33,922 |  |  | $ | 16,419 |  |  | $ | 32,356 |  |  | $ | 68,940 |  |  | $ | 1,486 |  |  | $ | 11,048 |  |  | $ | 164,171 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 9,239 |  |  | $ | — |  |  | $ | 216 |  |  | $ | 2,401 |  |  | $ | — |  |  | $ | 607 |  |  | $ | 12,463 |
Collectively evaluated | 24,683 |  |  | 16,419 |  |  | 32,140 |  |  | 66,539 |  |  | 1,486 |  |  | 10,441 |  |  | 151,708 |
Ending balance | $ | 33,922 |  |  | $ | 16,419 |  |  | $ | 32,356 |  |  | $ | 68,940 |  |  | $ | 1,486 |  |  | $ | 11,048 |  |  | $ | 164,171 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 12,776 |  |  | $ | — |  |  | $ | 5,360 |  |  | $ | 14,623 |  |  | $ | — |  |  | $ | 690 |  |  | $ | 33,449 |
Collectively evaluated | 1,410,494 |  |  | 1,104,896 |  |  | 2,718,886 |  |  | 4,534,414 |  |  | 76,125 |  |  | 142,650 |  |  | 9,987,465 |
Ending balance | $ | 1,423,270 |  |  | $ | 1,104,896 |  |  | $ | 2,724,246 |  |  | $ | 4,549,037 |  |  | $ | 76,125 |  |  | $ | 143,340 |  |  | $ | 10,020,914 |
Nonaccruing loans with no allowance for credit losses | $ | 397 |  |  | $ | — |  |  | $ | 2,329 |  |  | $ | 5,270 |  |  | $ | — |  |  | $ | 22 |  |  | $ | 8,018 |
Unfunded loan commitments, allowance for credit losses | The following table provides a roll-forward of the allowance for credit losses on unfunded loan commitments for the periods presented.
| Year Ended
| 2022 | 2021
Allowance for credit losses on unfunded loan commitments: |  |
Beginning balance | $ | 20,035 |  | $ | 20,535 |
Provision for (recovery of) credit losses on unfunded loan commitments (included in other noninterest expense) | 83 |  | (500) |
Ending balance | $ | 20,118 |  | $ | 20,035 |

X
- Definition Off-Balance Sheet, Credit Loss, Liability, Allowance for Credit Losses + References No definition available. + Details
Name: | rnst_OffBalanceSheetCreditLossLiabilityAllowanceForCreditLossesTableTextBlock
Namespace Prefix: | rnst_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + 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 -URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

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