Pinnacle National Bank in Nashville, Tennessee (TN)



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Pinnacle National Bank
GeneralFDIC Certificate #: 35583
Status: Active
Federal Reserve ID: 2925666
Bank Holding Company (Regulatory Top Holder): Pinnacle Financial Partners, Inc. (RSSDID: 2925657, Location: Nashville, TN)
Date Established: October 27, 2000
WWW: http://www.pnfp.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 33 (Domestic: 33, Interstate: No)
FDIC's unique #: 82012
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: October 27, 2000
Last Structure Change Effective Date: December 07, 2009
Last Structure Change Process Date: January 06, 2010
Last Data Update: January 06, 2010
Data Source Date: April 05, 2012
LocationAddress: 150 3rd Avenue South, Nashville, TN 37201
County: Davidson
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Nashville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Nashville, TN (#5360)
Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
History of ChangesChange in Location
Financial SummaryTotal assets: $4,846.7 mil
Equity capital: $738.4 mil
Deposits held in domestic offices: $3,690.4 mil
Return on assets (ROA): 0.86% ($41.7 mil)
Quarterly return on assets: 0.93% ($45.1 mil)
Return on Equity (ROE): 5.87% ($43.3 mil)
Quarterly return on equity: 6.17% ($45.5 mil)
Net income: $41.7 mil
Quarterly Net income: $11.3 mil
Pretax return on assets: 0.70% ($33,927.2 mil)
Quarterly Pretax return on assets: 0.89% ($43,136.0 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)747
Total assets$4,846,736
Cash and due from depository institutions$170,005
Interest-bearing balances$107,017
Securities$891,190
Federal funds sold & reverse repurchase agreements$725
Net loans & leases$3,252,739
Loan loss allowance $73,975
Trading account assets$0
Bank premises and fixed assets$77,127
Other real estate owned$39,714
Goodwill and other intangibles$251,562
All other assets$163,674
Life insurance assets$4,846,736
Total liabilities and capital$4,108,207
Total liabilities$3,690,354
Total deposits$2,972,595
Interest-bearing deposits$3,690,354
Deposits held in domestic offices$55
% insured (estimated)131591.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$226,069
Other borrowed funds $15,000
Subordinated debt $45,193
All other liabilities $738,529
Total equity capital$738,429
Total bank equity capital$738,429
Perpetual preferred stock$0
Common stock$34,028
Surplus$622,970
Undivided profits $81,431
Memoranda
Noncurrent loans and leases $100
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $35,363
Income earned, not collected on loans $48,713
Earning assets $25
Long-term assets (5+ years) $15,225
Average Assets, year-to-date $4,251,671
Average Assets, quarterly $1,122,127
Volatile liabilities $4,846,483
Insider loans $4,848,700
FHLB advances $3,772,966
Loans and leases held for sale $4,584,988
Unused loan commitments $48,883
Tier 1 (core) risk-based capital $48,883
Tier 2 risk-based capital $471,929
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $937,085
Derivatives$10,764
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $188,950
Total interest expense $35,406
Net interest income $153,544
Provision for loan and lease losses $21,798
Total noninterest income $18,124
Fiduciary activities $2,876
Service charges on deposit accounts $9,244
Trading account gains & fees $0
Additional noninterest income $6,004
Total noninterest expense $116,736
Salaries and employee benefits $69,989
Premises and equipment expense $17,524
Additional noninterest expense $29,223
Pre-tax net operating income $33,134
Securities gains (losses) $961
Applicable income taxes -$7,574
Income before extraordinary items $41,669
Extraordinary gains - net $0
Net income attributable to bank $41,653
Net charge-offs $16
Cash dividends $41,669
Sale, conversion, retirement of capital stock, net $30,398
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.45%
Cost of funding earning assets 0.83%
Net interest margin 3.61%
Noninterest income to earning assets 0.43%
Noninterest expense to earning assets 2.75%
Net operating income to assets 0.84%
Return on assets (ROA) 0.86%
Pretax return on assets 0.70%
Return on equity (ROE) 5.87%
Retained earnings to average equity (YTD only) 5.87%
Net charge-offs to loans 0.93%
Credit loss provision to net charge-offs 71.71%
Efficiency ratio1.81%
Assets per employee$66,333
Cash dividends to net income (YTD only)6.49%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.22%
Noncurrent assets plus other real estate owned to assets 151.86%
Noncurrent loans to loans 1.82%
Net loans and leases to deposits1.46%
Net loans and leases to core deposits 88.14%
Equity capital to assets 93.48%
Core capital (leverage) ratio 15.24%
Tier 1 risk-based capital ratio 10.29%
Total risk-based capital ratio 12.51%
Memoranda
Average assets$14
Average earning assets$4,846,483
Average equity $709,526
Average loans $4,247,499
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$488,601
Number of Accounts1
Personal trust and agency accounts$447,193
Employee benefit-defined contribution accounts$211,948
Employee benefit-defined benefit accounts$5,641
Other retirement accounts$52,926
Corporate trust and agency accounts$51,371
Investment management agency accounts$0
Other fiduciary accounts$117,737
Fiduciary accounts held in foreign offices$7,570
Non-managed Assets$0
Number of Accounts706
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$51,371
Employee benefit-defined benefit accounts$0
Other retirement accounts$41,408
Corporate trust and agency accounts$1,389
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$58
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33 Tennessee Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
082012Pinnacle National Bank150 3rd Avenue South, Nashville, TN 37201October 27, 2000Full Service Brick and Mortar
1360670Brentwood Branch128 Franklin Road, Brentwood, TN 37027November 30, 2000Full Service Brick and Mortar
2365361Green Hills Branch2307 Crestmoor Road, Nashville, TN 37215September 17, 2001Full Service Brick and Mortar
3418783Rivergate Branch847 Conference Drive, Goodlettsville, TN 37072April 07, 2003Full Service Brick and Mortar
4423016Cool Springs Branch7040 Carothers Parkway, Franklin, TN 37067September 19, 2003Full Service Brick and Mortar
5431720West End Branch2300 West End Avenue, Nashville, TN 37203September 01, 2004Full Service Brick and Mortar
6438932Franklin Branch216 South Royal Oaks Boulevard, Franklin, TN 37064January 18, 2005Full Service Brick and Mortar
8443463Hendersonville Branch270 East Main Street, Hendersonville, TN 37075June 28, 2005Full Service Brick and Mortar
942478Cavalry Banking Branch114 West College Street, Murfreesboro, TN 37130January 01, 1929Full Service Brick and Mortar
10276635604 N Main St Branch604 N Main St, Shelbyville, TN 37160January 01, 1929Full Service Brick and Mortar
122766371645 Northwest Broad Street Branch1645 Northwest Broad Street, Murfreesboro, TN 37129January 01, 1929Full Service Brick and Mortar
132766381745 Memorial Blvd Branch1745 Memorial Blvd, Murfreesboro, TN 37129June 30, 1985Full Service Brick and Mortar
14276639110-B Blvd Branch123 Cason Lane, Murfreesboro, TN 37128July 06, 1992Full Service Brick and Mortar
15276640Southeast Broad Branch2035 Se Broad, Murfreesboro, TN 37130March 15, 1995Full Service Brick and Mortar
163564902604 South Church Street Branch2604 South Church Street, Murfreesboro, TN 37128December 21, 1998Full Service Brick and Mortar
18419556Sam Ridley Pkwy Branch467 Sam Ridley Pkwy, Smyrna, TN 37167June 02, 2003Full Service Brick and Mortar
19461756Donelson Pike Branch424 Donelson Pike, Nashville, TN 37214March 05, 2007Full Service Brick and Mortar
20466479Knoxville Northshore Branch1111 Northshore Dr. Ste S130, Knoxville, TN 37919May 21, 2007Full Service Brick and Mortar
21469945Hermitage Office4715 Andrew Jackson Parkway, Hermitage, TN 37076December 17, 2007Full Service Brick and Mortar
22358590Bank Of The South Branch551 North Mt. Juliet Road, Mount Juliet, TN 37122April 30, 2001Full Service Brick and Mortar
23362602Lebanon Branch1412 West Baddour Parkway, Lebanon, TN 37087April 30, 2001Full Service Brick and Mortar
24419806Smyrna; S Lowry Office Branch69 South Lowry, Smyrna, TN 37167June 16, 2003Full Service Brick and Mortar
26427750Lebanon Road Branch11400 Lebanon Road, Mount Juliet, TN 37122December 15, 2003Full Service Brick and Mortar
28449793South Cumberland Street Branch411 South Cumberland Street, Lebanon, TN 37087March 13, 2006Full Service Brick and Mortar
29362594Ashland City Branch524 South Main Street, Ashland City, TN 37015December 17, 2001Full Service Brick and Mortar
30419236Dickson Branch501 Hwy 46 South, Dickson, TN 37055May 22, 2003Full Service Brick and Mortar
31423106Cool Springs Branch1717 Mallory Lane, Brentwood, TN 37027October 20, 2003Full Service Brick and Mortar
34452110Franklin Branch549 Alexander Plaza, Franklin, TN 37064May 30, 2006Full Service Brick and Mortar
35473709Nashville Old Mo Branch7651 Highway 70 South, Nashville, TN 37221Febuary 29, 2008Full Service Brick and Mortar
36498650Fountain City Office5019 North Broadway Street, Knoxville, TN 37918October 19, 2009Full Service Brick and Mortar
37500165Belle Meade Branch4328 Harding Pike, Nashville, TN 37205December 14, 2009Full Service Brick and Mortar
38500307Farragut Office Branch241 Brooklawn Street, Knoxville, TN 37934December 21, 2009Full Service Brick and Mortar
39508305100 Oaks Office Branch2833 Bransford Avenue, Nashville, TN 37204April 12, 2010Full Service Brick and Mortar
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