Pinnacle National Bank in Nashville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Pinnacle National Bank in Nashville, Tennessee (TN)
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Pinnacle National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 747Total employees (full-time equivalent)
  • $4,846,736Total assets
  • $170,005Cash and due from depository institutions
  • $107,017Interest-bearing balances
  • $891,190Securities
  • $725Federal funds sold & reverse repurchase agreements
  • $3,252,739Net loans & leases
  • $73,975Loan loss allowance
  • $0Trading account assets
  • $77,127Bank premises and fixed assets
  • $39,714Other real estate owned
  • $251,562Goodwill and other intangibles
  • $4,846,736Life insurance assets
  • $163,674All other assets
  • $4,108,207Total liabilities and capital
  • $3,690,354Total liabilities
  • $2,972,595Total deposits
  • $3,690,354Interest-bearing deposits
  • $55Deposits held in domestic offices
  • 131591.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $226,069Trading liabilities
  • $15,000Other borrowed funds
  • $45,193Subordinated debt
  • $738,529All other liabilities
  • $738,429Total equity capital
  • $738,429Total bank equity capital
  • $0Perpetual preferred stock
  • $34,028Common stock
  • $622,970Surplus
  • $81,431Undivided profits
  • Memoranda
  • $100Noncurrent loans and leases
  • $35,363Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $48,713Income earned, not collected on loans
  • $25Earning assets
  • $15,225Long-term assets (5+ years)
  • $4,251,671Average Assets, year-to-date
  • $1,122,127Average Assets, quarterly
  • $4,846,483Volatile liabilities
  • $4,848,700Insider loans
  • $3,772,966FHLB advances
  • $4,584,988Loans and leases held for sale
  • $48,883Unused loan commitments
  • $48,883Tier 1 (core) risk-based capital
  • $471,929Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $937,085Restructured Loans and leases
  • $10,764Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $188,950Total interest income
  • $35,406Total interest expense
  • $153,544Net interest income
  • $21,798Provision for loan and lease losses
  • $18,124Total noninterest income
  • $2,876Fiduciary activities
  • $9,244Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,004Additional noninterest income
  • $116,736Total noninterest expense
  • $69,989Salaries and employee benefits
  • $17,524Premises and equipment expense
  • $29,223Additional noninterest expense
  • $33,134Pre-tax net operating income
  • $961Securities gains (losses)
  • -$7,574Applicable income taxes
  • $41,669Income before extraordinary items
  • $0Extraordinary gains - net
  • $41,653Net income attributable to bank
  • $16Net charge-offs
  • $41,669Cash dividends
  • $30,398Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.75%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 5.87%Return on equity (ROE)
  • 5.87%Retained earnings to average equity (YTD only)
  • 0.93%Net charge-offs to loans
  • 71.71%Credit loss provision to net charge-offs
  • 1.81%Efficiency ratio
  • 66,333Assets per employee
  • 6.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.22%Loss allowance to noncurrent loans
  • 151.86%Noncurrent assets plus other real estate owned to assets
  • 1.82%Noncurrent loans to loans
  • 1.46%Net loans and leases to deposits
  • 88.14%Net loans and leases to core deposits
  • 93.48%Equity capital to assets
  • 15.24%Core capital (leverage) ratio
  • 10.29%Tier 1 risk-based capital ratio
  • 12.51%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $4,846,483Average earning assets
  • $709,526Average equity
  • $4,247,499Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $488,601Managed Assets
  • 1Number of Accounts
  • $447,193Personal trust and agency accounts
  • $211,948Employee benefit-defined contribution accounts
  • $5,641Employee benefit-defined benefit accounts
  • $52,926Other retirement accounts
  • $51,371Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $117,737Other fiduciary accounts
  • $7,570Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 706Number of Accounts
  • $0Personal trust and agency accounts
  • $51,371Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $41,408Other retirement accounts
  • $1,389Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $58Fiduciary accounts held in foreign offices

List of branches

  • 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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