715072--3/12/2008--RENASANT

related topics

{stock, price, share}

{condition, economic, financial}

{loan, real, estate}

{acquisition, growth, future}

{provision, law, control}

{loss, insurance, financial}

{financial, litigation, operation}

{competitive, industry, competition}

{operation, natural, condition}

{personnel, key, retain}

{regulation, change, law}

{cost, operation, labor}

We are subject to lending risk. We have a concentration of credit exposure in commercial real estate. We depend on the accuracy and completeness of information furnished by others about customers and counterparties. Our allowance for possible loan losses may be insufficient. We are subject to interest rate risk. Liquidity needs could adversely affect our results of operations and financial condition. Our business strategy includes the continuation of growth plans, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively. We may face risks with respect to future acquisitions. Our integration efforts following any future mergers or acquisitions may not be successful. After giving effect to an acquisition, we may not be able to achieve profits comparable to or better than our historical experience. Competition in the banking industry is intense and may adversely affect our profitability. Our profitability depends significantly on economic conditions in the states of Mississippi, Tennessee and Alabama. Our earnings are significantly affected by general business and economic conditions. We are subject to extensive government regulation, and such regulation could limit or restrict our activities and adversely affect our earnings. Our recent results may not be indicative of our future results. We may not be able to attract and retain skilled people. We are subject to environmental liability risk associated with lending activities. Severe weather, natural disasters, acts of war or terrorism and other external events could significantly impact our business. Our stock price can be volatile. The trading volume in our common stock is less than that of other larger bank holding companies. Our ability to declare and pay dividends is limited by law, and we may be unable to pay future dividends. Holders of our junior subordinated debentures have rights that are senior to those of our common shareholders. An investment in our common stock is not an insured deposit. Our Articles of Incorporation and Bylaws, as well as certain banking laws, could decrease our chances of being acquired even if our acquisition is in our shareholders best interests. Our issuance of preferred stock could adversely affect holders of our common stock and discourage a takeover.

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715072--3/12/2008--RENASANT_CORP