XML 41 R29.htm IDEA: XBRL DOCUMENT
v3.24.2.u1

Allowance for Credit Losses (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2024
Receivables [Abstract] |
Schedule of Roll Forward of The Allowance for Loan Losses | The following tables provide 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
Three Months Ended June 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 45,921 |  |  | $ | 17,317 |  |  | $ | 47,566 |  |  | $ | 78,725 |  |  | $ | 2,554 |  |  | $ | 8,969 |  |  | $ | 201,052 |
Charge-offs | (186) |  |  | — |  |  | (208) |  |  | (5,727) |  |  | — |  |  | (251) |  |  | (6,372) |
Recoveries | 525 |  |  | — |  |  | 25 |  |  | 99 |  |  | 10 |  |  | 232 |  |  | 891 |
Net (charge-offs) recoveries | 339 |  |  | — |  |  | (183) |  |  | (5,628) |  |  | 10 |  |  | (19) |  |  | (5,481) |
Provision for (recovery of) credit losses on loans | (1,309) |  |  | 1,579 |  |  | 38 |  |  | 4,028 |  |  | (49) |  |  | 13 |  |  | 4,300 |
Ending balance | $ | 44,951 |  |  | $ | 18,896 |  |  | $ | 47,421 |  |  | $ | 77,125 |  |  | $ | 2,515 |  |  | $ | 8,963 |  |  | $ | 199,871 |
Six Months Ended June 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 43,980 |  |  | $ | 18,612 |  |  | $ | 47,283 |  |  | $ | 77,020 |  |  | $ | 2,515 |  |  | $ | 9,168 |  |  | $ | 198,578 |
Charge-offs | (535) |  |  |  |  | (290) |  |  | (5,727) |  |  |  |  | (730) |  |  | (7,282) |
Recoveries | 871 |  |  |  |  | 73 |  |  | 105 |  |  | 18 |  |  | 570 |  |  | 1,637 |
Net (charge-offs) recoveries | 336 |  |  | — |  |  | (217) |  |  | (5,622) |  |  | 18 |  |  | (160) |  |  | (5,645) |
Provision for (recovery of) credit losses on loans | 635 |  |  | 284 |  |  | 355 |  |  | 5,727 |  |  | (18) |  |  | (45) |  |  | 6,938 |
Ending balance | $ | 44,951 |  |  | $ | 18,896 |  |  | $ | 47,421 |  |  | $ | 77,125 |  |  | $ | 2,515 |  |  | $ | 8,963 |  |  | $ | 199,871 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 8,514 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,220 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 10,004 |
Collectively evaluated | 36,437 |  |  | 18,896 |  |  | 47,421 |  |  | 75,905 |  |  | 2,515 |  |  | 8,693 |  |  | 189,867 |
Ending balance | $ | 44,951 |  |  | $ | 18,896 |  |  | $ | 47,421 |  |  | $ | 77,125 |  |  | $ | 2,515 |  |  | $ | 8,963 |  |  | $ | 199,871 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 14,211 |  |  | $ | — |  |  | $ | 6,942 |  |  | $ | 32,579 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 54,002 |
Collectively evaluated | 1,833,551 |  |  | 1,355,425 |  |  | 3,428,876 |  |  | 5,733,899 |  |  | 102,996 |  |  | 96,006 |  |  | 12,550,753 |
Ending balance | $ | 1,847,762 |  |  | $ | 1,355,425 |  |  | $ | 3,435,818 |  |  | $ | 5,766,478 |  |  | $ | 102,996 |  |  | $ | 96,276 |  |  | $ | 12,604,755 |
Nonaccruing loans with no allowance for credit losses | $ | 230 |  |  | $ | — |  |  | $ | 6,318 |  |  | $ | 20,640 |  |  | $ | — |  |  | $ | — |  |  | $ | 27,188 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Lease Financing |  | Installment Loans to Individuals |  | Total
Three Months Ended June 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 44,678 |  |  | $ | 19,959 |  |  | $ | 45,981 |  |  | $ | 72,770 |  |  | $ | 2,437 |  |  | $ | 9,467 |  |  | $ | 195,292 |
Charge-offs | (4,939) |  |  | (57) |  |  | (212) |  |  | (397) |  |  | — |  |  | (580) |  |  | (6,185) |
Recoveries | 1,274 |  |  | — |  |  | 170 |  |  | 278 |  |  | 6 |  |  | 556 |  |  | 2,284 |
Net (charge-offs) recoveries | (3,665) |  |  | (57) |  |  | (42) |  |  | (119) |  |  | 6 |  |  | (24) |  |  | (3,901) |
Provision for (recovery of) credit losses on loans | 297 |  |  | (777) |  |  | 495 |  |  | 3,016 |  |  | 37 |  |  | (68) |  |  | 3,000 |
Ending balance | $ | 41,310 |  |  | $ | 19,125 |  |  | $ | 46,434 |  |  | $ | 75,667 |  |  | $ | 2,480 |  |  | $ | 9,375 |  |  | $ | 194,391 |
Six Months Ended June 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 44,255 |  |  | $ | 19,114 |  |  | $ | 44,727 |  |  | $ | 71,798 |  |  | $ | 2,463 |  |  | $ | 9,733 |  |  | $ | 192,090 |
Initial impact of purchased credit deteriorated loans acquired during the period | (26) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (26) |
Charge-offs | (5,468) |  |  | (57) |  |  | (215) |  |  | (5,512) |  |  | — |  |  | (1,390) |  |  | (12,642) |
Recoveries | 1,999 |  |  | — |  |  | 194 |  |  | 489 |  |  | 11 |  |  | 1,316 |  |  | 4,009 |
Net (charge-offs) recoveries | (3,469) |  |  | (57) |  |  | (21) |  |  | (5,023) |  |  | 11 |  |  | (74) |  |  | (8,633) |
Provision for (recovery of) credit losses on loans | 550 |  |  | 68 |  |  | 1,728 |  |  | 8,892 |  |  | 6 |  |  | (284) |  |  | 10,960 |
Ending balance | $ | 41,310 |  |  | $ | 19,125 |  |  | $ | 46,434 |  |  | $ | 75,667 |  |  | $ | 2,480 |  |  | $ | 9,375 |  |  | $ | 194,391 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 10,773 |  |  | $ | — |  |  | $ | 703 |  |  | $ | 1,269 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 13,015 |
Collectively evaluated | 30,537 |  |  | 19,125 |  |  | 45,731 |  |  | 74,398 |  |  | 2,480 |  |  | 9,105 |  |  | 181,376 |
Ending balance | $ | 41,310 |  |  | $ | 19,125 |  |  | $ | 46,434 |  |  | $ | 75,667 |  |  | $ | 2,480 |  |  | $ | 9,375 |  |  | $ | 194,391 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated | $ | 21,418 |  |  | $ | — |  |  | $ | 13,545 |  |  | $ | 40,239 |  |  | $ | — |  |  | $ | 270 |  |  | $ | 75,472 |
Collectively evaluated | 1,707,652 |  |  | 1,369,019 |  |  | 3,335,109 |  |  | 5,212,240 |  |  | 122,370 |  |  | 108,654 |  |  | 11,855,044 |
Ending balance | $ | 1,729,070 |  |  | $ | 1,369,019 |  |  | $ | 3,348,654 |  |  | $ | 5,252,479 |  |  | $ | 122,370 |  |  | $ | 108,924 |  |  | $ | 11,930,516 |
Nonaccruing loans with no allowance for credit losses | $ | 2,021 |  |  | $ | — |  |  | $ | 10,516 |  |  | $ | 3,969 |  |  | $ | — |  |  | $ | — |  |  | $ | 16,506 |
Schedule of Unfunded Loan Commitments, Allowance for Credit Losses | The following tables provide a roll-forward of the allowance for credit losses on unfunded loan commitments for the periods presented.
Three Months Ended June 30, | 2024 | 2023
Allowance for credit losses on unfunded loan commitments: |  |
Beginning balance | $ | 16,718 |  | $ | 18,618 |
Recovery of credit losses on unfunded loan commitments | (1,000) |  | (1,000) |
Ending balance | $ | 15,718 |  | $ | 17,618 |
Six Months Ended June 30, | 2024 | 2023
Allowance for credit losses on unfunded loan commitments: |  |
Beginning balance | $ | 16,918 |  | $ | 20,118 |
Recovery of credit losses on unfunded loan commitments | (1,200) |  | (2,500) |
Ending balance | $ | 15,718 |  | $ | 17,618 |

X
- Definition Off-Balance Sheet, Credit Loss, Liability, Allowance for Credit Losses [Table Text Block] + References No definition available. + Details
Name: | rnst_OffBalanceSheetCreditLossLiabilityAllowanceforCreditLossesTableTextBlock
Namespace Prefix: | rnst_
Data Type: | dtr-types1: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/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + 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