0001115055-22-000036.txt : 20220719 0001115055-22-000036.hdr.sgml : 20220719 20220719165056 ACCESSION NUMBER: 0001115055-22-000036 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20220719 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220719 DATE AS OF CHANGE: 20220719 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PINNACLE FINANCIAL PARTNERS INC CENTRAL INDEX KEY: 0001115055 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 621812853 STATE OF INCORPORATION: TN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-39309 FILM NUMBER: 221092016 BUSINESS ADDRESS: STREET 1: 150 THIRD AVENUE SOUTH STREET 2: SUITE 900 CITY: NASHVILLE STATE: TN ZIP: 37201 BUSINESS PHONE: 6157443700 MAIL ADDRESS: STREET 1: 150 THIRD AVENUE SOUTH STREET 2: SUITE 900 CITY: NASHVILLE STATE: TN ZIP: 37201 8-K 1 pnfp-20220719.htm 8-K pnfp-20220719
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

______________________


FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 19, 2022

PINNACLE FINANCIAL PARTNERS, INC.
(Exact name of registrant as specified in charter)
Tennessee000-3122562-1812853
(State or other jurisdiction
of incorporation)
(Commission
File Number)
(I.R.S. Employer
 Identification No.)
150 Third Avenue South, Suite 900, Nashville, Tennessee 37201
(Address of principal executive offices) (Zip Code)


Registrant's telephone number, including area code:   (615) 744-3700
N/A
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Exchange Act:
Title of Each ClassTrading SymbolName of Exchange on which Registered
Common Stock par value $1.00PNFPThe Nasdaq Stock Market LLC
Depositary Shares (each representing a 1/40th interest in a share of 6.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series B)PNFPPThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐



Item 2.02. Results of Operations and Financial Condition.

      This Current Report on Form 8-K is being furnished to disclose the press release issued by Pinnacle Financial Partners, Inc., a Tennessee corporation (the "Company"), on July 19, 2022. The press release, which is furnished as Exhibit 99.1 hereto pursuant to Item 2.02 of Form 8-K, announced the Company's results of operations for the three and six months ended June 30, 2022.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits
Exhibit No.Description
104Cover Page Interactive Data File (embedded within the Inline XBRL document).




SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

PINNACLE FINANCIAL PARTNERS, INC.
 By:/s/Harold R. Carpenter
 Name:Harold R. Carpenter
 Title:Executive Vice President and
  Chief Financial Officer

Date: July 19, 2022


 EX-99.1 2 a2q22pnfpearningsrelease.htm EX-99.1 Document

image2.jpg
FOR IMMEDIATE RELEASE
MEDIA CONTACT:Joe Bass, 615-743-8219
FINANCIAL CONTACT:Harold Carpenter, 615-744-3742
WEBSITE: www.pnfp.com

PNFP REPORTS DILUTED EPS OF $1.86, ROAA OF 1.46% AND ROATCE OF 17.62% FOR 2Q2022
Annualized linked-quarter loan growth of 29.9% for 2Q2022, 31.9% exclusive of PPP paydowns

NASHVILLE, TN, July 19, 2022 - Pinnacle Financial Partners, Inc. (Nasdaq/NGS: PNFP) reported net income per diluted common share of $1.86 for the quarter ended June 30, 2022, compared to net income per diluted common share of $1.69 for the quarter ended June 30, 2021, an increase of approximately 10.1 percent. Net income per diluted common share was $3.51 for the six months ended June 30, 2022, compared to $3.30 for the six months ended June 30, 2021, an increase of approximately 6.4 percent.
Paycheck Protection Program (PPP) net interest income for the three months ended June 30, 2022 and 2021 was $4.1 million and $24.6 million, respectively. PPP net interest income for the six months ended June 30, 2022 and 2021 was $14.7 million and $45.5 million, respectively. PPP net interest income contributed $0.04 and $0.14 to diluted earnings per common share for the three and six months ended June 30, 2022, respectively, compared to contributions of $0.24 and $0.44 for the three and six months ended June 30, 2021, respectively.
"As we noted last quarter, inflation is anything but transitory, now prompting urgent action by the Fed and increasing the likelihood of recession,” said M. Terry Turner, Pinnacle’s president and chief executive officer. “But even with the changing economic outlook and all the uncertainty, our ability to attract and retain clients continues to fuel our outsized growth.
"During the second quarter, we experienced outsized loan growth as a result of our recent market extensions and our continued focus on recruiting experienced relationship managers. Our new markets contributed almost 25 percent of our loan growth this quarter and our relationship managers that have been in our legacy markets less than 2.5 years contributed an incremental 21 percent of this quarter’s growth. Our prolific hiring continued during the second quarter with 37 additional revenue producers, so we are well on pace to surpass our hiring successes of the past two years,” Turner said. “As to revenues, we were able to convert the recent short-term rate increases into significant growth in net interest income. And in addition to the growth in net interest income, we saw double-digit growth in many core fee categories, which coupled with BHG’s outstanding performance in the second quarter, resulted in second quarter fee revenues being the best we’ve ever experienced. Even though we enter the second half of the year fully expecting a more difficult economic landscape, we believe our second quarter results showcase why we believe we can outperform even through a more challenging operating environment."

BALANCE SHEET GROWTH:

Total assets at June 30, 2022 were $40.1 billion, an increase of approximately $4.7 billion from June 30, 2021, reflecting a year-over-year increase of 13.3 percent. A further analysis of select balance sheet trends follows:
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Balances at Balances at
(dollars in thousands)June 30,
2022		March 31, 2022Linked-Quarter
Annualized
% Change		June 30,
2021		Year-over-Year
% Change
Loans$26,333,096 $24,499,022 29.9%$22,897,935 15.0%
Less: PPP loans51,100157,180(270.0)%1,372,916(96.3)%
Loans excluding PPP loans26,281,99624,341,84231.9%21,525,01922.1%
Securities and other interest-earning assets9,342,54310,704,157(50.9)%8,641,2318.1%
Total interest-earning assets excluding PPP loans$35,624,539 $35,045,999 6.6%$30,166,250 18.1%
Core deposits:
Noninterest-bearing deposits11,058,19810,986,1942.6%8,926,20023.9%
Interest-bearing core deposits(1)
18,953,24619,412,489(9.5)%16,931,43911.9%
Noncore deposits and other funding(2)
4,496,1173,428,850124.5%4,097,9239.7%
Total funding $34,507,561 $33,827,533 8.0%$29,955,562 15.2%
(1): Interest-bearing core deposits are interest-bearing deposits, money market accounts, time deposits less than $250,000 and reciprocating time and money market deposits issued through the IntraFi Network.
(2): Noncore deposits and other funding consists of time deposits greater than $250,000, securities sold under agreements to repurchase, public funds, brokered deposits, FHLB advances and subordinated debt.

"During the second quarter, loan growth approximated a linked-quarter annualized rate of 29.9 percent when compared to balances at March 31, 2022. Excluding the impact of PPP loans in each period, loans increased at a linked-quarter annualized rate of 31.9 percent," Turner said. "Deposits for the second quarter increased by 3.7 percent linked-quarter annualized, while average deposits decreased by 0.7 percent linked-quarter annualized, which we believe is consistent with national trends. Much of the deposit outflows during the second quarter occurred in the early stages of the quarter, likely due to tax payments, which again, we believe is consistent with national trends. We are encouraged that end-of-period and average balances of our noninterest-bearing deposit accounts actually increased during the quarter."

PRE-TAX, PRE-PROVISION NET REVENUES (PPNR):

Pre-tax, pre-provision net revenues (PPNR) for the quarter ended June 30, 2022 were $194.0 million an increase of 17.4 percent from the $165.3 million recognized in the quarter ended June 30, 2021.
Three months ended Six months ended
June 30,June 30,
(dollars in thousands)20222021 % change20222021% change
Revenues:
Net interest income$264,574 $233,225 13.4 %$504,049 $456,095 10.5 %
Noninterest income125,502 98,207 27.8 %228,998 190,916 19.9 %
Total revenues390,076 331,432 17.7 %733,047 647,011 13.3 %
Noninterest expense196,038 166,140 18.0 %378,699 320,836 18.0 %
Pre-tax, pre-provision net revenue (PPNR)$194,038 $165,292 17.4 %$354,348 $326,175 8.6 %
Adjustments:
Investment (gains) losses on sales of securities, net— (366)NM61 (366)NM
ORE expense (benefit)86 (657)NM191 (670)NM
Adjusted PPNR$194,124 $164,269 18.2 %$354,600 $325,139 9.1 %

•Revenue per fully diluted common share was $5.14 for the three months ended June 30, 2022, compared to $4.52 for the first quarter of 2022 and $4.37 for the second quarter of 2021, a 17.6 percent year-over-year growth rate.
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•Net interest income for the quarter ended June 30, 2022 was $264.6 million, compared to $239.5 million for the first quarter of 2022 and $233.2 million for the second quarter of 2021, a year-over-year growth rate of 13.4 percent.
◦Revenues from PPP loans approximated $4.1 million in the second quarter of 2022, compared to $10.7 million in the first quarter of 2022 and $24.6 million in the second quarter of 2021. At June 30, 2022, remaining unamortized fees for PPP loans were approximately $1.1 million.
◦Included in net interest income for the second quarter of 2022 was $1.6 million of discount accretion associated with fair value adjustments, compared to $1.7 million of discount accretion recognized in the first quarter of 2022 and $3.3 million in the second quarter of 2021. There remains $5.6 million of purchase accounting discount accretion as of June 30, 2022.
•Noninterest income for the quarter ended June 30, 2022 was $125.5 million, compared to $103.5 million for the quarter ended March 31, 2022, a linked-quarter annualized increase of 85.1 percent. Compared to $98.2 million for the second quarter of 2021, noninterest income grew 27.8 percent year-over-year.
◦Wealth management revenues, which include investment, trust and insurance services, were $21.8 million for the second quarter of 2022, compared to $20.7 million for the first quarter of 2022, a linked-quarter annualized increase of 21.7 percent. Wealth management revenues were up 32.5 percent year-over-year compared to $16.5 million reported in the second quarter of 2021.
◦Service charges on deposit accounts were $11.6 million for the quarter ended June 30, 2022, compared to $11.0 million for the quarter ended March 31, 2022 and $8.9 million for the quarter ended June 30, 2021. Future service charge revenues will be impacted by changes in the firm's insufficient funds and overdraft programs announced earlier this month. The firm believes that the impact of these changes could amount to approximately $2.9 million in reduced service charge revenue annually, or approximately $700,000 on a quarterly basis.
◦Income from the firm's investment in BHG was a record $49.5 million for the quarter ended June 30, 2022, up from $33.7 million for the quarter ended March 31, 2022 and $32.1 million for the quarter ended June 30, 2021. During the second quarter of 2022, BHG placed approximately $505 million in loans with community banks through its auction platform compared to approximately $323 million in the first quarter of 2022. Additionally, BHG completed its fifth securitization during the second quarter of 2022 for approximately $300 million in funding secured by previously funded loans. This was the second securitization completed in 2022 and BHG anticipates that it may complete more securitizations in the second half of the year.
◦Other noninterest income was $40.4 million for the quarter ended June 30, 2022, compared to $34.1 million for the quarter ended March 31, 2022 and $33.7 million for the quarter ended June 30, 2021, a linked-quarter annualized increase of 74.4 percent and year-over-year growth of 20.0 percent, respectively.
▪Second quarter 2022 gains from market valuation adjustments in investments in joint ventures and other funds were $6.7 million, compared to $1.7 million in the first quarter of 2022 and $7.0 million in the second quarter of 2021.
▪As previously announced, on March 1, 2022, Pinnacle Bank acquired the remaining equity of JB&B Capital, LLC ("JB&B"), a commercial equipment financing business headquartered in Knoxville, TN, in a cash transaction. Pinnacle had previously acquired 20 percent of JB&B's equity in 2017. For the six months ended June 30, 2022, net income per diluted common share was favorably impacted by $0.04 per share as a result of the acquisition of JB&B, which includes approximately $5.5 million of gains resulting from remeasurement of Pinnacle's previous 20 percent investment in
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JB&B offset in part by approximately $1.0 million of provision for credit losses recorded in accordance with CECL for the loans and leases at JB&B outstanding at the closing. Loan and lease balances attributable to the JB&B acquisition approximated $109.7 million at June 30, 2022 compared to $60.7 million at March 31, 2022.
•Noninterest expense for the quarter ended June 30, 2022 was $196.0 million, compared to $182.7 million in the first quarter of 2022 and $166.1 million in the second quarter of 2021, reflecting a linked-quarter annualized growth rate of 29.3 percent and a year-over-year increase of 18.0 percent.
◦Salaries and employee benefits were $126.6 million in the second quarter of 2022, compared to $121.9 million in the first quarter of 2022 and $110.8 million in the second quarter of 2021, reflecting a linked-quarter annualized growth rate of 15.6 percent and a year-over-year increase of 14.2 percent.
▪Total full-time equivalent associates amounted to 3,074.0 associates at June 30, 2022, compared to 2,706.0 full-time equivalent associates at June 30, 2021, an increase of 13.6 percent.
▪Costs related to the firm's incentive plans increased to $31.8 million in the second quarter of 2022 compared to $25.9 million in the first quarter of 2022 due to increased personnel as well as increased earnings and PPNR which are primary factors in determining the costs of the firm's incentive compensation awards.
◦Noninterest expense categories, other than salaries and employee benefits, were $69.4 million in the second quarter of 2022, compared to $60.8 million in the first quarter of 2022 and $55.3 million in the second quarter of 2021, reflecting a linked-quarter annualized growth rate of 56.7 percent and a year-over-year increase of 25.5 percent. The second quarter 2022 increase was the result of additional equipment and occupancy expenses, marketing and business development expenses as well as increased expenses related to our credit card programs.

"We continue to highlight PPNR and our efforts to grow PPNR regardless of the economic cycle," said Harold R. Carpenter, Pinnacle’s chief financial officer. "Our PPNR results were outstanding in the second quarter. We continue to be successful in battling the revenue headwinds from reduced PPP, declines in residential mortgage lending and, of course, inflation. Loan growth, as well as the impact of the rising short-term rate environment, contributed to an increase of $25.1 million in net interest income in the second quarter of 2022 as compared to the first quarter of 2022, or $31.7 million when excluding the impact of a net reduction in PPP net interest income of $6.6 million. Also, BHG had another phenomenal quarter. We anticipated a strong second quarter from BHG but are not expecting similar performance in the second half of 2022 as BHG's decision to place more loans into their auction platform in the second quarter than they would have otherwise anticipated is likely to negatively impact BHG's results in the second half of 2022.
"As to expenses, compensation costs increased approximately 14 percent over the same quarter last year, due primarily to increased headcount, annual merit raises and higher incentive accruals. We are optimistic that our hiring model will continue to provide us even more opportunities to add revenue producers this year. As a result, including the impact of inflation and the acquisition of JB&B in the first quarter of this year, we continue to believe our total 2022 noninterest expense should approximate a mid-teens percentage increase over that of 2021."

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PROFITABILITY:
Three months endedSix months ended
June 30, 2022March 31, 2022June 30, 2021June 30, 2022June 30, 2021
Net interest margin3.17 %2.89 %3.08 %3.03 %3.05 %
Efficiency ratio50.26 %53.26 %50.13 %51.66 %49.59 %
Return on average assets1.46 %1.32 %1.46 %1.39 %1.44 %
Return on average tangible common equity (TCE)17.62 %15.63 %17.32 %16.63 %17.24 %
Book value per common share$66.74 $66.30 $64.19 $66.74 $64.19 
Tangible book value per common share$42.08 $41.65 $39.77 $42.08 $39.77 

•Net interest margin was 3.17 percent for the second quarter of 2022, compared to 2.89 percent for the first quarter of 2022 and 3.08 percent for the second quarter of 2021. Net interest margin for the six months ended June 30, 2022 was 3.03 percent compared to 3.05 percent for the six months ended June 30, 2021.
◦Impacting the firm’s net interest margin in the first and second quarters of 2022 and second quarter of 2021 was the impact of PPP loans, while the firm’s decision early in the pandemic to maintain additional on-balance sheet liquidity also impacted net interest margin in 2021. The firm estimates its first and second quarter 2022 net interest margin was negatively impacted by approximately 29 and 12 basis points, respectively, compared to approximately 17 basis points for the second quarter 2021 as a result of these factors.

"We are very excited about our profitability metrics in the second quarter," Carpenter said. "With the rate environment being very much in a state of transition after several years of rates holding fairly steady, there was much discussion about how our balance sheet would respond. We still believe our balance sheet is positioned more conservatively than most from an interest rate risk perspective but now that we are essentially through our loan floors, we believe we have significant opportunities to continue margin expansion going into the third quarter. Thus far, our on-the-spot interest rates from our data systems indicate that our loan yields have increased by approximately 68 basis points from the mid-March 2022 rate increase through last night while deposit spot rates have increased by approximately 34 basis points for the same period. We are pleased with how our relationship managers are working with their clients and setting expectations for the next several quarters. We believe further margin expansion in the third quarter is likely. The key to all of this is our rapid loan growth and the impact it has on our revenue base.
"Additionally, the impact of increased rates on tangible book value has also garnered attention. We are pleased to report that our tangible book value per share increased this quarter, in spite of the impact of rising rates on accumulated other comprehensive income."

MAINTAINING A STRONG BALANCE SHEET:
As of
June 30, 2022March 31, 2022June 30, 2021
Annualized net loan charge-offs to avg. loans (1)
0.01 %0.05 %0.17 %
Nonperforming assets to total loans, ORE and other nonperforming assets (NPAs)0.09 %0.14 %0.27 %
Classified asset ratio (Pinnacle Bank) (2)
2.90 %3.60 %6.80 %
Allowance for credit losses (ACL) to total loans 1.03 %1.07 %1.20 %
ACL to total loans, excluding PPP1.04 %1.07 %1.27 %
(1): Annualized net loan charge-offs to average loans ratios are computed by annualizing quarterly net loan charge-offs and dividing the result by average loans for the quarter.
(2): Classified assets as a percentage of Tier 1 capital plus allowance for credit losses.

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•Provision for credit losses was $12.9 million in the second quarter of 2022 compared to $2.7 million in the first quarter of 2022 and $2.8 million in the second quarter of 2021. Net charge-offs were $877,000 for the quarter ended June 30, 2022, compared to $3.0 million for the quarter ended March 31, 2022 and $10.0 million for the quarter ended June 30, 2021.
•Nonperforming assets were $23.7 million at June 30, 2022, compared to $35.1 million at March 31, 2022 and $62.7 million at June 30, 2021. The ratio of the allowance for credit losses to nonperforming loans at June 30, 2022 was 1,762.6 percent, compared to 982.9 percent at March 31, 2022 and 515.5 percent at June 30, 2021.
•Classified assets were $112.5 million at June 30, 2022, compared to $137.0 million at March 31, 2022 and $233.8 million at June 30, 2021.

"Our credit performance has been strong for many years, and thus far 2022 is no exception," Carpenter said. "Several of our loan credit metrics remain at the lowest point they have been at in many years. Our allowance for credit losses to total loans (ACL) decreased from 1.07 percent at March 31, 2022 to 1.03 percent at June 30, 2022. These ratios are higher than our ACL as reflected on Jan. 1, 2020 of 0.67 percent immediately following our adoption of CECL.
"Over the last few months, our credit officers have been very active in portfolio reviews and making sure we understand how inflation is impacting those borrowers that have outsized exposure to rapidly rising energy and labor costs. To that end, our emphasis has been on stress testing for all commercial borrowers and updated segment guidance for CRE. The good news thus far is that demand for our borrowers' products and services remains strong across our footprint and thus far our borrowers have continued to successfully combat the impact of inflation."

BOARD OF DIRECTORS DECLARES DIVIDENDS

On July 19, 2022, Pinnacle Financial's Board of Directors approved a quarterly cash dividend of $0.22 per common share to be paid on Aug. 26, 2022 to common shareholders of record as of the close of business on Aug. 5, 2022. Additionally, the Board of Directors approved a quarterly dividend of approximately $3.8 million, or $16.88 per share (or $0.422 per depositary share), on Pinnacle Financial's 6.75 percent Series B Non-Cumulative Perpetual Preferred Stock payable on Sept. 1, 2022 to shareholders of record at the close of business on Aug. 17, 2022. The amount and timing of any future dividend payments to both preferred and common shareholders will be subject to the approval of Pinnacle's Board of Directors.

WEBCAST AND CONFERENCE CALL INFORMATION

Pinnacle will host a webcast and conference call at 8:30 a.m. CT on July 20, 2022, to discuss second quarter 2022 results and other matters. For those who plan to watch and listen only without asking questions, please access the presentation and streaming audio on the investor relations page of Pinnacle’s website at www.pnfp.com.
For those who plan to watch, listen and ask questions, please register using this link. Once registered, you will receive an email with instructions for accessing the audio portion of the call only. To watch the presentation, as well, click the link on the investor relations page of www.pnfp.com.
For those unable to participate in the webcast, it will be archived on the investor relations page of Pinnacle's website at www.pnfp.com for 90 days following the presentation.
Pinnacle Financial Partners provides a full range of banking, investment, trust, mortgage and insurance products and services designed for businesses and their owners and individuals interested in a comprehensive relationship with their financial institution. The firm is the No. 1 bank in the Nashville-Murfreesboro-Franklin MSA, according to 2021 deposit data from the FDIC, is listed by Forbes among the top 25 banks in the nation and earned a spot on the 2022 list of 100 Best Companies to Work
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For® in the U.S., its sixth consecutive appearance. American Banker recognized Pinnacle as one of America’s Best Banks to Work For nine years in a row and No. 1 among banks with more than $11 billion in assets in 2021.
Pinnacle owns a 49 percent interest in Bankers Healthcare Group (BHG), which provides innovative, hassle-free financial solutions to healthcare practitioners and other licensed professionals. Great Place to Work and FORTUNE ranked BHG No. 4 on its 2021 list of Best Workplaces in New York State in the small/medium business category.
The firm began operations in a single location in downtown Nashville, TN in October 2000 and has since grown to approximately $40.1 billion in assets as of June 30, 2022. As the second-largest bank holding company headquartered in Tennessee, Pinnacle operates in 15 primarily urban markets across the Southeast.
Additional information concerning Pinnacle, which is included in the Nasdaq Financial-100 Index, can be accessed at www.pnfp.com.
###
Forward-Looking Statements
All statements, other than statements of historical fact, included in this press release, are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. The words "expect," "anticipate," "intend," "may," "should," "plan," "believe," "seek," "estimate" and similar expressions are intended to identify such forward-looking statements, but other statements not based on historical information may also be considered forward-looking statements. These forward-looking statements are subject to known and unknown risks, uncertainties and other factors that could cause the actual results to differ materially from the statements, including, but not limited to: (i) deterioration in the financial condition of borrowers of Pinnacle Bank and its subsidiaries or BHG, including as a result of the negative impact of inflationary pressures on our and BHG's customers and their businesses resulting in significant increases in loan losses and provisions for those losses and, in the case of BHG, substitutions; (ii) fluctuations or differences in interest rates on loans or deposits from those that Pinnacle Financial is modeling or anticipating, including as a result of Pinnacle Bank's inability to better match deposit rates with the changes in the short-term rate environment, or that affect the yield curve; (iii) adverse conditions in the national or local economies including in Pinnacle Financial's markets throughout Tennessee, North Carolina, South Carolina, Georgia, Alabama and Virginia, particularly in commercial and residential real estate markets; (iv) the inability of Pinnacle Financial, or entities in which it has significant investments, like BHG, to maintain the long-term historical growth rate of its, or such entities', loan portfolio; (v) the ability to grow and retain low-cost core deposits and retain large, uninsured deposits, including during times when Pinnacle Bank is seeking to limit the rates it pays on deposits; (vi) changes in loan underwriting, credit review or loss reserve policies associated with economic conditions, examination conclusions, or regulatory developments; (vii) effectiveness of Pinnacle Financial's asset management activities in improving, resolving or liquidating lower-quality assets; (viii) the impact of competition with other financial institutions, including pricing pressures and the resulting impact on Pinnacle Financial’s results, including as a result of compression to net interest margin; (ix) the effects of new outbreaks of COVID-19, including actions taken by governmental officials to curb the spread of the virus, and the resulting impact on general economic and financial market conditions and on Pinnacle Financial's and its customers' business, results of operations, asset quality and financial condition; (x) further public acceptance of the booster shots of the vaccines that were developed against the virus as well as the decisions of governmental agencies with respect to vaccines including recommendations related to booster shots and requirements that seek to mandate that individuals receive or employers require that their employees receive the vaccine; (xi) those vaccines' efficacy against the virus, including new variants; (xii) the results of regulatory examinations; (xiii) Pinnacle Financial's ability to identify potential candidates for, consummate, and achieve synergies from, potential future acquisitions; (xiv) difficulties and delays in integrating acquired businesses or fully realizing costs savings and other benefits from acquisitions; (xv) BHG's ability to profitably grow its business and successfully execute on its business plans; (xvi) risks of expansion into new geographic or product markets; (xvii) any matter that would cause Pinnacle Financial to conclude that there was impairment of any asset, including goodwill or other intangible assets; (xviii) the ineffectiveness of Pinnacle Bank's hedging strategies, or the unexpected counterparty failure or hedge failure of the underlying hedges; (xix) reduced ability to attract additional financial advisors (or failure of such advisors to cause their clients to switch to Pinnacle Bank), to retain financial advisors (including as a result of the competitive environment for associates) or otherwise to attract customers from other financial institutions; (xx) deterioration in the valuation of other real estate owned and increased expenses associated therewith; (xxi) inability to comply with regulatory capital requirements, including those resulting from changes to capital calculation methodologies, required capital maintenance levels or regulatory requests or directives, particularly if Pinnacle Bank's level of applicable commercial real estate loans were to exceed percentage levels of total capital in guidelines recommended by its regulators; (xxii) approval of the declaration of any dividend by Pinnacle Financial's board of directors; (xxiii) the vulnerability of Pinnacle Bank's network and online banking portals, and the systems of parties with whom Pinnacle Bank contracts, to unauthorized access, computer viruses, phishing schemes, spam attacks, human error, natural disasters, power loss and other security breaches; (xxiv) the possibility of increased compliance and operational costs as a result of increased
7

regulatory oversight (including by the Consumer Financial Protection Bureau), including oversight of companies in which Pinnacle Financial or Pinnacle Bank have significant investments, like BHG, and the development of additional banking products for Pinnacle Bank's corporate and consumer clients; (xxv) the risks associated with Pinnacle Financial and Pinnacle Bank being a minority investor in BHG, including the risk that the owners of a majority of the equity interests in BHG decide to sell the company or all or a portion of their ownership interests in BHG (triggering a similar sale by Pinnacle Financial and Pinnacle Bank) if not prohibited from doing so by Pinnacle Financial or Pinnacle Bank; (xxvi) changes in state and federal legislation, regulations or policies applicable to banks and other financial service providers, like BHG, including regulatory or legislative developments; (xxvii) fluctuations in the valuations of Pinnacle Financial's equity investments and the ultimate success of such investments; (xxviii) the availability of and access to capital; (xxix) adverse results (including costs, fines, reputational harm, inability to obtain necessary approvals and/or other negative effects) from current or future litigation, regulatory examinations or other legal and/or regulatory actions, including as a result of Pinnacle Bank's participation in and execution of government programs related to the COVID-19 pandemic; and (xxx) general competitive, economic, political and market conditions. Additional factors which could affect the forward looking statements can be found in Pinnacle Financial's Annual Report on Form 10-K for the year ended December 31, 2021, and subsequently filed Quarterly Reports on Form 10-Q and Current Reports on Form 8-K filed with the SEC and available on the SEC's website at http://www.sec.gov. Pinnacle Financial disclaims any obligation to update or revise any forward-looking statements contained in this press release, which speak only as of the date hereof, whether as a result of new information, future events or otherwise.

Non-GAAP Financial Matters
This release contains certain non-GAAP financial measures, including, without limitation, earnings per diluted common share, PPNR, efficiency ratio and the ratio of noninterest expense to average assets, excluding in certain instances the impact of expenses related to other real estate owned, gains or losses on sale of investment securities, FHLB restructuring charges, hedge termination charges and other matters for the accounting periods presented. This release also includes non-GAAP financial measures which exclude the impact of loans originated and forgiven and repaid under the PPP. This release may also contain certain other non-GAAP capital ratios and performance measures that exclude the impact of goodwill and core deposit intangibles associated with Pinnacle Financial's acquisitions of BNC, Avenue Bank, Magna Bank, CapitalMark Bank & Trust, Mid-America Bancshares, Inc., Cavalry Bancorp, Inc. and other acquisitions which collectively are less material to the non-GAAP measure as well as the impact of Pinnacle Financial's Series B Preferred Stock. The presentation of the non-GAAP financial information is not intended to be considered in isolation or as a substitute for any measure prepared in accordance with GAAP. Because non-GAAP financial measures presented in this release are not measurements determined in accordance with GAAP and are susceptible to varying calculations, these non-GAAP financial measures, as presented, may not be comparable to other similarly titled measures presented by other companies.

Pinnacle Financial believes that these non-GAAP financial measures facilitate making period-to-period comparisons and are meaningful indications of its operating performance. In addition, because intangible assets such as goodwill and the core deposit intangible, and the other items excluded each vary extensively from company to company, Pinnacle Financial believes that the presentation of this information allows investors to more easily compare Pinnacle Financial's results to the results of other companies. Pinnacle Financial's management utilizes this non-GAAP financial information to compare Pinnacle Financial's operating performance for 2022 versus certain periods in 2021 and to internally prepared projections.

8

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS – UNAUDITED
(dollars in thousands, except for share and per share data)June 30, 2022December 31, 2021June 30, 2021
ASSETS
Cash and noninterest-bearing due from banks$265,507 $188,287 $159,863 
Restricted cash29,739 82,505 155,275 
Interest-bearing due from banks1,336,667 3,830,747 2,576,237 
Cash and cash equivalents1,631,913 4,101,539 2,891,375 
Securities purchased with agreement to resell1,328,876 1,000,000 500,000 
Securities available-for-sale, at fair value3,809,338 4,914,194 4,331,070 
Securities held-to-maturity (fair value of $2.5 billion, $1.2 billion and $1.0 billion, net of allowance for credit losses of $1.2 million, $161 and $198 at June 30, 2022, Dec. 31, 2021 and June 30, 2021, respectively)2,744,555 1,155,958 995,838 
Consumer loans held-for-sale67,467 45,806 56,968 
Commercial loans held-for-sale25,901 17,685 25,843 
Loans26,333,096 23,414,262 22,897,935 
Less allowance for credit losses(272,483)(263,233)(273,747)
Loans, net26,060,613 23,151,029 22,624,188 
Premises and equipment, net302,389 288,182 287,992 
Equity method investment403,191 360,833 320,167 
Accrued interest receivable116,038 98,813 99,664 
Goodwill1,846,466 1,819,811 1,819,811 
Core deposits and other intangible assets37,617 33,819 37,963 
Other real estate owned8,237 8,537 9,602 
Other assets1,738,691 1,473,193 1,411,828 
Total assets$40,121,292 $38,469,399 $35,412,309 
LIABILITIES AND STOCKHOLDERS' EQUITY 
Deposits: 
Noninterest-bearing$11,058,198 $10,461,071 $8,926,200 
Interest-bearing6,617,324 6,530,015 5,581,651 
Savings and money market accounts12,492,329 12,179,663 11,079,165 
Time2,427,452 2,133,784 2,630,587 
Total deposits32,595,303 31,304,533 28,217,603 
Securities sold under agreements to repurchase199,585 152,559 177,661 
Federal Home Loan Bank advances1,289,059 888,681 888,304 
Subordinated debt and other borrowings423,614 423,172 671,994 
Accrued interest payable13,551 12,504 15,776 
Other liabilities284,941 377,343 339,740 
Total liabilities34,806,053 33,158,792 30,311,078 
Preferred stock, no par value, 10.0 million shares authorized; 225,000 shares non-cumulative perpetual preferred stock, Series B, liquidation preference $225.0 million, issued and outstanding at June 30, 2022, Dec. 31, 2021 and June 30, 2021, respectively217,126 217,126 217,126 
Common stock, par value $1.00; 180.0 million shares authorized; 76.4 million, 76.1 million and 76.1 million shares issued and outstanding at June 30, 2022, Dec. 31, 2021, and June 30, 2021, respectively76,385 76,143 76,088 
Additional paid-in capital3,056,228 3,045,802 3,032,338 
Retained earnings2,096,950 1,864,350 1,629,580 
Accumulated other comprehensive income (loss), net of taxes(131,450)107,186 146,099 
Total stockholders' equity5,315,239 5,310,607 5,101,231 
Total liabilities and stockholders' equity$40,121,292 $38,469,399 $35,412,309 
This information is preliminary and based on company data available at the time of the presentation.
9

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME – UNAUDITED
(dollars in thousands, except for share and per share data)Three months endedSix months ended
 June 30, 2022March 31, 2022June 30, 2021June 30, 2022June 30, 2021
Interest income:
Loans, including fees$252,182 $227,047 $232,788 $479,229 $460,160 
Securities
Taxable12,725 11,048 8,359 23,773 16,087 
Tax-exempt19,898 17,446 16,546 37,344 32,044 
Federal funds sold and other7,571 3,076 1,543 10,647 2,862 
Total interest income292,376 258,617 259,236 550,993 511,153 
Interest expense:
Deposits18,181 10,250 13,861 28,431 31,329 
Securities sold under agreements to repurchase82 56 56 138 128 
FHLB advances and other borrowings9,539 8,836 12,094 18,375 23,601 
Total interest expense27,802 19,142 26,011 46,944 55,058 
Net interest income264,574 239,475 233,225 504,049 456,095 
Provision for credit losses12,907 2,720 2,834 15,627 10,069 
Net interest income after provision for credit losses251,667 236,755 230,391 488,422 446,026 
Noninterest income:
Service charges on deposit accounts11,616 11,030 8,906 22,646 17,213 
Investment services13,205 10,691 8,997 23,896 17,188 
Insurance sales commissions2,554 4,036 2,406 6,590 5,631 
Gains on mortgage loans sold, net2,150 4,066 6,700 6,216 20,366 
Investment gains (losses) on sales, net— (61)366 (61)366 
Trust fees6,065 5,973 5,062 12,038 9,749 
Income from equity method investment49,465 33,655 32,071 83,120 61,021 
Other noninterest income40,447 34,106 33,699 74,553 59,382 
Total noninterest income125,502 103,496 98,207 228,998 190,916 
Noninterest expense:
Salaries and employee benefits126,611 121,852 110,824 248,463 213,552 
Equipment and occupancy26,921 25,536 23,321 52,457 46,541 
Other real estate, net86 105 (657)191 (670)
Marketing and other business development4,759 3,777 2,652 8,536 5,001 
Postage and supplies2,320 2,371 2,115 4,691 3,921 
Amortization of intangibles2,051 1,871 2,167 3,922 4,373 
Other noninterest expense33,290 27,149 25,718 60,439 48,118 
Total noninterest expense196,038 182,661 166,140 378,699 320,836 
Income before income taxes181,131 157,590 162,458 338,721 316,106 
Income tax expense 36,004 28,480 30,668 64,484 58,888 
Net income145,127 129,110 131,790 274,237 257,218 
Preferred stock dividends(3,798)(3,798)(3,798)(7,596)(7,596)
Net income available to common shareholders$141,329 $125,312 $127,992 $266,641 $249,622 
Per share information:
Basic net income per common share$1.87 $1.66 $1.70 $3.52 $3.31 
Diluted net income per common share$1.86 $1.65 $1.69 $3.51 $3.30 
Weighted average common shares outstanding:
Basic75,751,296 75,654,986 75,481,198 75,703,407 75,427,340 
Diluted75,940,500 75,930,372 75,809,974 75,934,025 75,735,763 
This information is preliminary and based on company data available at the time of the presentation.
10

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
(Unaudited)

(dollars and shares in thousands)Preferred
Stock
 Amount		Common StockAdditional Paid-in CapitalRetained EarningsAccumulated Other Comp. Income (Loss), netTotal Shareholders' Equity
 SharesAmounts
Balance at December 31, 2020$217,126 75,850 $75,850 $3,028,063 $1,407,723 $175,849 $4,904,611 
Exercise of employee common stock options & related tax benefits— 18 18 386 — — 404 
Preferred dividends paid ($33.76 per share)— — — — (7,596)— (7,596)
Common dividends paid ($0.36 per share)— — — — (27,765)— (27,765)
Issuance of restricted common shares, net of forfeitures— 175 175 (175)— — — 
Restricted shares withheld for taxes & related tax benefits— (42)(42)(3,153)— — (3,195)
Issuance of common stock pursuant to restricted stock unit (RSU) and performance stock unit (PSU) agreements, net of shares withheld for taxes & related tax benefits— 87 87 (3,851)— — (3,764)
Compensation expense for restricted shares & performance stock units— — — 11,068 — — 11,068 
Net income— — — — 257,218 — 257,218 
Other comprehensive loss— — — — — (29,750)(29,750)
Balance at June 30, 2021$217,126 76,088 $76,088 $3,032,338 $1,629,580 $146,099 $5,101,231 
Balance at December 31, 2021$217,126 76,143 $76,143 $3,045,802 $1,864,350 $107,186 $5,310,607 
Exercise of employee common stock options & related tax benefits— 14 14 309 — — 323 
Preferred dividends paid ($33.76 per share)— — — — (7,596)— (7,596)
Common dividends paid ($0.44 per share)— — — — (34,041)— (34,041)
Issuance of restricted common shares, net of forfeitures— 166 166 (166)— — — 
Restricted shares withheld for taxes & related tax benefits— (43)(43)(4,359)— — (4,402)
Issuance of common stock pursuant to RSU and PSU agreements, net of shares withheld for taxes & related tax benefits— 105 105 (5,566)— — (5,461)
Compensation expense for restricted shares & performance stock units— — — 20,208 — — 20,208 
Net income— — — — 274,237 — 274,237 
Other comprehensive loss— — — — — (238,636)(238,636)
Balance at June 30, 2022$217,126 76,385 $76,385 $3,056,228 $2,096,950 $(131,450)$5,315,239 


11

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED
(dollars in thousands)JuneMarchDecemberSeptemberJuneMarch
202220222021202120212021
Balance sheet data, at quarter end:
Commercial and industrial loans$9,244,708 8,213,204 7,703,428 7,079,431 6,771,254 6,355,119 
Commercial real estate - owner occupied loans3,243,018 3,124,275 3,048,822 2,954,519 2,817,689 2,869,785 
Commercial real estate - investment loans4,909,598 4,707,761 4,607,048 4,597,736 4,644,551 4,782,712 
Commercial real estate - multifamily and other loans951,998 718,822 614,656 621,471 724,253 790,469 
Consumer real estate  - mortgage loans4,047,051 3,813,252 3,680,684 3,540,439 3,335,537 3,086,916 
Construction and land development loans3,386,866 3,277,029 2,903,017 3,096,961 2,791,611 2,568,969 
Consumer and other loans498,757 487,499 485,489 459,182 440,124 411,322 
Paycheck protection program loans51,100 157,180 371,118 708,722 1,372,916 2,221,409 
Total loans26,333,096 24,499,022 23,414,262 23,058,461 22,897,935 23,086,701 
Allowance for credit losses(272,483)(261,618)(263,233)(268,635)(273,747)(280,881)
Securities6,553,893 6,136,109 6,070,152 5,623,890 5,326,908 4,691,364 
Total assets40,121,292 39,400,378 38,469,399 36,523,936 35,412,309 35,299,705 
Noninterest-bearing deposits11,058,198 10,986,194 10,461,071 9,809,691 8,926,200 8,103,943 
Total deposits32,595,303 32,295,814 31,304,533 29,369,807 28,217,603 28,292,940 
Securities sold under agreements to repurchase199,585 219,530 152,559 148,240 177,661 172,117 
FHLB advances1,289,059 888,870 888,681 888,493 888,304 888,115 
Subordinated debt and other borrowings423,614 423,319 423,172 542,712 671,994 671,002 
Total stockholders' equity5,315,239 5,280,950 5,310,607 5,191,798 5,101,231 4,959,524 
Balance sheet data, quarterly averages:
Total loans$25,397,389 23,848,533 23,225,735 22,986,835 23,179,803 22,848,086 
Securities6,446,774 6,143,664 5,813,636 5,451,232 5,036,786 4,666,269 
Federal funds sold and other2,837,679 4,799,946 4,356,113 3,743,074 3,143,078 3,356,199 
Total earning assets34,681,842 34,792,143 33,395,484 32,181,141 31,359,667 30,870,554 
Total assets38,780,786 38,637,221 37,132,078 35,896,130 35,053,772 34,659,132 
Noninterest-bearing deposits10,803,439 10,478,403 10,240,393 9,247,382 8,500,465 7,620,665 
Total deposits31,484,100 31,538,985 30,034,026 28,739,871 28,013,659 27,620,784 
Securities sold under agreements to repurchase216,846 179,869 141,781 164,837 173,268 143,586 
FHLB advances1,095,531 888,746 888,559 888,369 888,184 934,662 
Subordinated debt and other borrowings427,191 441,755 484,389 586,387 674,162 673,662 
Total stockholders' equity5,316,219 5,331,405 5,262,586 5,176,625 5,039,608 4,953,656 
Statement of operations data, for the three months ended:
Interest income$292,376 258,617 259,193 260,868 259,236 251,917 
Interest expense27,802 19,142 20,430 23,325 26,011 29,047 
Net interest income264,574 239,475 238,763 237,543 233,225 222,870 
Provision for credit losses12,907 2,720 2,675 3,382 2,834 7,235 
Net interest income after provision for credit losses251,667 236,755 236,088 234,161 230,391 215,635 
Noninterest income125,502 103,496 100,723 104,095 98,207 92,709 
Noninterest expense196,038 182,661 170,417 168,851 166,140 154,696 
Income before taxes181,131 157,590 166,394 169,405 162,458 153,648 
Income tax expense36,004 28,480 32,866 32,828 30,668 28,220 
Net income145,127 129,110 133,528 136,577 131,790 125,428 
Preferred stock dividends(3,798)(3,798)(3,798)(3,798)(3,798)(3,798)
Net income available to common shareholders$141,329 125,312 129,730 132,779 127,992 121,630 
Profitability and other ratios:
Return on avg. assets (1)
1.46 %1.32 %1.39 %1.47 %1.46 %1.42 %
Return on avg. equity (1)
10.66 %9.53 %9.78 %10.18 %10.19 %9.96 %
 Return on avg. common equity (1)
11.12 %9.94 %10.20 %10.62 %10.65 %10.41 %
Return on avg. tangible common equity (1)
17.62 %15.63 %16.13 %16.98 %17.32 %17.16 %
Common stock dividend payout ratio (16)
12.63 %12.94 %10.65 %11.13 %11.73 %13.69 %
Net interest margin (2)
3.17 %2.89 %2.96 %3.03 %3.08 %3.02 %
Noninterest income to total revenue (3)
32.17 %30.18 %29.67 %30.47 %29.63 %29.38 %
Noninterest income to avg. assets (1)
1.30 %1.09 %1.08 %1.15 %1.12 %1.08 %
Noninterest exp. to avg. assets (1)
2.03 %1.92 %1.82 %1.87 %1.90 %1.81 %
Efficiency ratio (4)
50.26 %53.26 %50.20 %49.42 %50.13 %49.02 %
Avg. loans to avg. deposits
80.67 %75.62 %77.33 %79.98 %82.74 %82.72 %
Securities to total assets
16.34 %15.57 %15.78 %15.40 %15.04 %13.29 %
This information is preliminary and based on company data available at the time of the presentation.

12

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
ANALYSIS OF INTEREST INCOME AND EXPENSE, RATES AND YIELDS-UNAUDITED
(dollars in thousands)Three months endedThree months ended
June 30, 2022June 30, 2021
 Average BalancesInterestRates/ YieldsAverage BalancesInterestRates/ Yields
Interest-earning assets
Loans (1) (2)
$25,397,389 $252,182 4.07 %$23,179,803 $232,788 4.11 %
Securities
Taxable3,420,950 12,725 1.49 %2,581,063 8,359 1.30 %
Tax-exempt (2)
3,025,824 19,898 3.19 %2,455,723 16,546 3.25 %
Interest-bearing due from banks1,332,463 2,611 0.79 %2,484,192 5560.09 %
Resell agreements1,326,790 3,844 1.16 %484,066 410 0.34 %
Federal funds sold— — — %17,405 — — %
Other178,426 1,116 2.51 %157,415 577 1.47 %
Total interest-earning assets34,681,842 $292,376 3.49 %31,359,667 $259,236 3.42 %
Nonearning assets
Intangible assets1,882,546 1,859,170 
Other nonearning assets2,216,398 1,834,935 
Total assets$38,780,786 $35,053,772 
Interest-bearing liabilities
Interest-bearing deposits:
Interest checking6,520,804 6,134 0.38 %5,453,520 2,407 0.18 %
Savings and money market12,084,911 9,071 0.30 %11,288,119 5,658 0.20 %
Time2,074,946 2,976 0.58 %2,771,555 5,796 0.84 %
Total interest-bearing deposits20,680,661 18,181 0.35 %19,513,194 13,861 0.28 %
Securities sold under agreements to repurchase216,846 82 0.15 %173,268 56 0.13 %
Federal Home Loan Bank advances1,095,531 5,231 1.92 %888,184 4,501 2.03 %
Subordinated debt and other borrowings427,191 4,308 4.04 %674,162 7,593 4.52 %
Total interest-bearing liabilities22,420,229 27,802 0.50 %21,248,808 26,011 0.49 %
Noninterest-bearing deposits10,803,439 — — 8,500,465 — — 
Total deposits and interest-bearing liabilities33,223,668 $27,802 0.34 %29,749,273 $26,011 0.35 %
Other liabilities240,899 264,891 
Stockholders' equity 5,316,219 5,039,608 
Total liabilities and stockholders' equity$38,780,786 $35,053,772 
Net  interest  income 
$264,574 $233,225 
Net interest spread (3)
2.99 %2.93 %
Net interest margin (4)
3.17 %3.08 %
(1) Average balances of nonperforming loans are included in the above amounts.
(2) Yields computed on tax-exempt instruments on a tax equivalent basis and included $9.6 million of taxable equivalent income for the three months ended June 30, 2022 compared to $7.9 million for the three months ended June 30, 2021. The tax-exempt benefit has been reduced by the projected impact of tax-exempt income that will be disallowed pursuant to IRS Regulations as of and for the then current period presented.
(3) Yields realized on interest-bearing assets less the rates paid on interest-bearing liabilities. The net interest spread calculation excludes the impact of demand deposits. Had the impact of demand deposits been included, the net interest spread for the three months ended June 30, 2022 would have been 3.16% compared to a net interest spread of 3.07% for the three months ended June 30, 2021.
(4) Net interest margin is the result of annualized net interest income calculated on a tax equivalent basis divided by average interest-earning assets for the period.
This information is preliminary and based on company data available at the time of the presentation.  

13

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
ANALYSIS OF INTEREST INCOME AND EXPENSE, RATES AND YIELDS-UNAUDITED
(dollars in thousands)Six months endedSix months ended
June 30, 2022June 30, 2021
 Average BalancesInterestRates/ YieldsAverage BalancesInterestRates/ Yields
Interest-earning assets
Loans (1) (2)
$24,627,240 $479,229 4.01 %$23,014,861 $460,160 4.11 %
Securities
Taxable3,381,538 23,773 1.42 %2,427,050 16,087 1.34 %
Tax-exempt (2)
2,914,519 37,344 3.12 %2,425,501 32,044 3.20 %
Interest-bearing due from banks2,334,566 3,914 0.34 %2,824,360 1,268 0.09 %
Resell agreements1,304,392 5,058 0.78 %245,857 410 0.34 %
Federal funds sold— — — %20,092 — — %
Other 174,434 1,675 1.94 %158,741 1,184 1.50 %
Total interest-earning assets34,736,689 $550,993 3.30 %31,116,462 $511,153 3.41 %
Nonearning assets
Intangible assets1,873,190 1,860,272 
Other nonearning assets2,099,522 1,880,809 
Total assets$38,709,401 $34,857,543 
Interest-bearing liabilities
Interest-bearing deposits:
Interest checking6,456,418 8,733 0.27 %5,459,919 5,007 0.18 %
Savings and money market12,334,678 14,195 0.23 %11,304,640 12,371 0.22 %
Time2,078,477 5,503 0.53 %2,990,753 13,951 0.94 %
Total interest-bearing deposits20,869,573 28,431 0.27 %19,755,312 31,329 0.32 %
Securities sold under agreements to repurchase198,459 138 0.14 %158,509 128 0.16 %
Federal Home Loan Bank advances992,710 9,705 1.97 %911,295 8,995 1.99 %
Subordinated debt and other borrowings434,433 8,670 4.02 %673,913 14,606 4.37 %
Total interest-bearing liabilities22,495,175 46,944 0.42 %21,499,029 55,058 0.52 %
Noninterest-bearing deposits10,641,819 — — 8,062,995 — — 
Total deposits and interest-bearing liabilities33,136,994 $46,944 0.29 %29,562,024 $55,058 0.38 %
Other liabilities248,637 298,649 
Stockholders' equity 5,323,770 4,996,870 
Total liabilities and stockholders' equity$38,709,401 $34,857,543 
Net  interest  income 
$504,049 $456,095 
Net interest spread (3)
2.88 %2.89 %
Net interest margin (4)
3.03 %3.05 %
(1) Average balances of nonperforming loans are included in the above amounts.
(2) Yields computed on tax-exempt instruments on a tax equivalent basis and included $18.1 million of taxable equivalent income for the six months ended June 30, 2022 compared to $15.2 million for the six months ended June 30, 2021. The tax-exempt benefit has been reduced by the projected impact of tax-exempt income that will be disallowed pursuant to IRS Regulations as of and for the then current period presented.
(3) Yields realized on interest-bearing assets less the rates paid on interest-bearing liabilities. The net interest spread calculation excludes the impact of demand deposits. Had the impact of demand deposits been included, the net interest spread for the six months ended June 30, 2022 would have been 3.02% compared to a net interest spread of 3.04% for the six months ended June 30, 2021.
(4) Net interest margin is the result of annualized net interest income calculated on a tax equivalent basis divided by average interest-earning assets for the period.
This information is preliminary and based on company data available at the time of the presentation.

14

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED
(dollars in thousands)JuneMarchDecemberSeptemberJuneMarch
202220222021202120212021
Asset quality information and ratios:
Nonperforming assets:
Nonaccrual loans$15,459 26,616 31,569 46,692 53,105 72,135 
ORE and other nonperforming assets (NPAs)
8,237 8,437 8,537 8,415 9,602 10,651 
Total nonperforming assets$23,696 35,053 40,106 55,107 62,707 82,786 
Past due loans over 90 days and still accruing interest$3,840 1,605 1,607 1,914 1,810 2,833 
Accruing troubled debt restructurings (5)
$2,279 2,317 2,354 2,397 2,428 2,460 
Accruing purchase credit deteriorated loans$9,194 12,661 13,086 12,158 12,400 13,904 
Net loan charge-offs$877 2,958 8,077 9,281 9,968 11,397 
Allowance for credit losses to nonaccrual loans1,762.6 %982.9 %833.8 %575.3 %515.5 %389.4 %
As a percentage of total loans:
Past due accruing loans over 30 days0.11 %0.11 %0.09 %0.09 %0.07 %0.09 %
Potential problem loans (6)
0.32 %0.41 %0.47 %0.60 %0.74 %0.70 %
Allowance for credit losses (20)
1.03 %1.07 %1.12 %1.17 %1.20 %1.22 %
Nonperforming assets to total loans, ORE and other NPAs0.09 %0.14 %0.17 %0.24 %0.27 %0.36 %
    Classified asset ratio (Pinnacle Bank) (8)
2.9 %3.6 %4.1 %5.6 %6.8 %7.3 %
Annualized net loan charge-offs to avg. loans (7)
0.01 %0.05 %0.14 %0.16 %0.17 %0.20 %
Wtd. avg. commercial loan internal risk ratings (6)
44.544.945.346.046.145.2
Interest rates and yields:
Loans4.07 %3.94 %4.04 %4.13 %4.11 %4.11 %
Securities2.29 %2.12 %2.08 %2.04 %2.25 %2.29 %
Total earning assets3.49 %3.11 %3.20 %3.32 %3.42 %3.41 %
Total deposits, including non-interest bearing0.23 %0.13 %0.14 %0.17 %0.20 %0.26 %
Securities sold under agreements to repurchase0.15 %0.13 %0.15 %0.14 %0.13 %0.20 %
FHLB advances1.92 %2.04 %2.04 %2.04 %2.03 %1.95 %
Subordinated debt and other borrowings4.04 %4.00 %4.23 %4.45 %4.52 %4.22 %
Total deposits and interest-bearing liabilities0.34 %0.23 %0.26 %0.30 %0.35 %0.40 %
Capital and other ratios (8):
Pinnacle Financial ratios:
Stockholders' equity to total assets13.2 %13.4 %13.8 %14.2 %14.4 %14.0 %
Common equity Tier one10.2 %10.5 %10.9 %10.5 %10.5 %10.3 %
Tier one risk-based10.9 %11.2 %11.7 %11.3 %11.3 %11.2 %
Total risk-based12.9 %13.3 %13.8 %14.0 %14.5 %14.5 %
Leverage9.8 %9.5 %9.7 %9.3 %9.2 %8.9 %
Tangible common equity to tangible assets8.4 %8.5 %8.8 %9.0 %9.0 %8.6 %
Pinnacle Bank ratios:
Common equity Tier one11.0 %11.4 %11.9 %11.7 %11.9 %11.8 %
Tier one risk-based11.0 %11.4 %11.9 %11.7 %11.9 %11.8 %
Total risk-based11.7 %12.1 %12.6 %12.5 %13.1 %13.0 %
Leverage9.9 %9.6 %9.9 %9.7 %9.6 %9.4 %
Construction and land development loans
as a percentage of total capital (19)
87.4 %87.4 %79.1 %89.3 %80.1 %76.0 %
Non-owner occupied commercial real estate and
multi-family as a percentage of total capital (19)
250.2 %243.7 %234.1 %252.4 %248.8 %256.0 %
This information is preliminary and based on company data available at the time of the presentation.

15

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED
(dollars in thousands, except per share data)JuneMarchDecemberSeptemberJuneMarch
202220222021202120212021
Per share data:
Earnings per common share – basic$1.87 1.66 1.72 1.76 1.70 1.61 
Earnings per common share - basic, excluding non-GAAP adjustments$1.87 1.66 1.71 1.76 1.69 1.61 
Earnings per common share – diluted$1.86 1.65 1.71 1.75 1.69 1.61 
Earnings per common share - diluted, excluding non-GAAP adjustments$1.86 1.65 1.70 1.75 1.68 1.61 
Common dividends per share$0.22 0.22 0.18 0.18 0.18 0.18 
Book value per common share at quarter end (9)
$66.74 66.30 66.89 65.36 64.19 62.33 
Tangible book value per common share at quarter end (9)
$42.08 41.65 42.55 40.98 39.77 37.88 
Revenue per diluted common share$5.14 4.52 4.47 4.50 4.37 4.17 
Revenue per diluted common share, excluding non-GAAP adjustments$5.14 4.52 4.46 4.50 4.37 4.17 
Investor information:
Closing sales price of common stock on last trading day of quarter$72.31 92.08 95.50 94.08 88.29 88.66 
High closing sales price of common stock during quarter$91.42 110.41 104.72 98.00 92.94 93.58 
Low closing sales price of common stock during quarter$68.56 90.46 90.20 83.84 84.25 63.48 
Closing sales price of depositary shares on last trading day of quarter$25.19 26.72 28.21 28.14 29.13 27.62 
High closing sales price of depositary shares during quarter$26.44 28.53 28.99 29.23 29.13 27.83 
Low closing sales price of depositary shares during quarter$24.75 25.63 27.42 28.00 27.38 26.83 
Other information:
Residential mortgage loan sales:
Gross loans sold$239,736 270,793 352,342 347,664 394,299 546,963 
Gross fees (10)
$6,523 5,700 10,098 11,215 15,552 18,793 
Gross fees as a percentage of loans originated2.72 %2.11 %2.87 %3.23 %3.94 %3.44 %
Net gain on residential mortgage loans sold$2,150 4,066 4,244 7,814 6,700 13,666 
Investment gains (losses) on sales of securities, net (15)
$— (61)393 — 366 — 
Brokerage account assets, at quarter end (11)
$6,761,480 7,158,939 7,187,085 6,597,152 6,344,416 5,974,884 
Trust account managed assets, at quarter end$4,207,406 4,499,911 4,720,290 4,155,510 3,640,932 3,443,373 
Core deposits (12)
$30,011,444 30,398,683 29,316,911 27,170,367 25,857,639 24,961,390 
Core deposits to total funding (12)
87.0 %89.9 %89.5 %87.8 %86.3 %83.1 %
Risk-weighted assets$33,366,074 31,170,258 29,349,534 27,945,624 26,819,277 26,105,158 
Number of offices 119 119 118 117 116 115 
Total core deposits per office$252,197 255,451 248,448 232,225 222,911 217,141 
Total assets per full-time equivalent employee$13,052 13,186 13,541 13,188 13,087 13,468 
Annualized revenues per full-time equivalent employee$509.0 465.5 474.1 489.4 491.3 488.3 
Annualized expenses per full-time equivalent employee$255.8 247.9 238.0 241.9 246.3 239.4 
Number of employees (full-time equivalent)3,074.0 2,988.0 2,841.0 2,769.5 2,706.0 2,621.0 
Associate retention rate (13)
93.3 %93.1 %93.4 %93.4 %93.3 %94.4 %
This information is preliminary and based on company data available at the time of the presentation.


16

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
RECONCILIATION OF NON-GAAP SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED
Three months ended
Six months ended
(dollars in thousands, except per share data)
June MarchJuneJune June
20222022202120222021
Net interest income$264,574 239,475 233,225 504,049 456,095 
Noninterest income125,502 103,496 98,207 228,998 190,916 
Total revenues390,076 342,971 331,432 733,047 647,011 
Less: Investment (gains) losses on sales of securities, net— 61 (366)61 (366)
Total revenues excluding the impact of adjustments noted above$390,076 343,032 331,066 733,108 646,645 
Noninterest expense$196,038 182,661 166,140 378,699 320,836 
Less: ORE expense (benefit)86 105 (657)191 (670)
Noninterest expense excluding the impact of adjustments noted above$195,952 182,556 166,797 378,508 321,506 
Pre-tax income$181,131 157,590 162,458 338,721 316,106 
Provision for credit losses12,907 2,720 2,834 15,627 10,069 
Pre-tax pre-provision net revenue194,038 160,310 165,292 354,348 326,175 
Adjustments noted above86 166 (1,023)252 (1,036)
Adjusted pre-tax pre-provision net revenue (14)
$194,124 160,476 164,269 354,600 325,139 
Noninterest income$125,502 103,496 98,207 228,998 190,916 
Less: Adjustments as noted above— 61 (366)61 (366)
Noninterest income excluding the impact of adjustments noted above$125,502 103,557 97,841 229,059 190,550 
Efficiency ratio (4)
50.26 %53.26 %50.13 %51.66 %49.59 %
Adjustments as noted above(0.03)%(0.04)%0.25 %(0.03)%0.13 %
Efficiency ratio (excluding adjustments noted above) (4)
50.23 %53.22 %50.38 %51.63 %49.72 %
Total average assets$38,780,786 38,637,221 35,053,772 38,709,401 34,857,543 
Noninterest income to average assets (1)
1.30 %1.09 %1.12 %1.19 %1.10 %
Adjustments as noted above— %— %— %— %— %
Noninterest income (excluding adjustments noted above) to average assets (1)
1.30 %1.09 %1.12 %1.19 %1.10 %
Noninterest expense to average assets (1)
2.03 %1.92 %1.90 %1.97 %1.86 %
Adjustments as noted above— %— %0.01 %— %— %
Noninterest expense (excluding adjustments noted above) to average assets (1)
2.03 %1.92 %1.91 %1.97 %1.86 %
This information is preliminary and based on company data available at the time of the presentation.

17

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
RECONCILIATION OF NON-GAAP SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED
Three months ended
(dollars in thousands, except per share data)June MarchDecemberSeptemberJuneMarch
202220222021202120212021
Net income available to common shareholders$141,329 125,312 129,730 132,779 127,992 121,630 
Investment (gains) losses on sales of securities, net— 61 (393)— (366)— 
ORE expense (benefit)86 105 37 (79)(657)(13)
Tax effect on adjustments noted above (18)
(22)(43)93 21 267 3 
Net income available to common shareholders excluding adjustments noted above $141,393 125,435 129,467 132,721 127,236 121,620 
Basic earnings per common share$1.87 1.66 1.72 1.76 1.70 1.61 
Adjustment due to investment (gains) losses on sales of securities, net— — (0.01)— — — 
Adjustment due to ORE expense (benefit)— — — — (0.01)— 
Adjustment due to tax effect on adjustments noted above (18)
— — — — — — 
Basic earnings per common share excluding adjustments noted above$1.87 1.66 1.71 1.76 1.69 1.61 
Diluted earnings per common share$1.86 1.65 1.71 1.75 1.69 1.61 
Adjustment due to investment (gains) losses on sales of securities, net— — (0.01)— — — 
Adjustment due to ORE expense (benefit)— — — — (0.01)— 
Adjustment due to tax effect on adjustments noted above (18)
— — — — — — 
Diluted earnings per common share excluding the adjustments noted above$1.86 1.65 1.70 1.75 1.68 1.61 
Revenue per diluted common share$5.14 4.52 4.47 4.50 4.37 4.17 
Adjustments as noted above— — (0.01)— — — 
Revenue per diluted common share excluding adjustments noted above$5.14 4.52 4.46 4.50 4.37 4.17 
Book value per common share at quarter end (9)
$66.74 66.30 66.89 65.36 64.19 62.33 
Adjustment due to goodwill, core deposit and other intangible assets(24.66)(24.65)(24.34)(24.38)(24.42)(24.45)
Tangible book value per common share at quarter end (9)
$42.08 41.65 42.55 40.98 39.77 37.88 
Paycheck Protection Program (PPP)
PPP net interest income$4,060 10,690 15,131 20,420 24,618 20,913 
Income tax expense at statutory rates (18)
1,061 2,794 3,955 5,338 6,435 5,467 
Earnings attributable to PPP2,999 7,896 11,176 15,082 18,183 15,446 
Basic earnings per common share attributable to PPP$0.04 0.10 0.15 0.20 0.24 0.20 
Diluted earnings per common share attributable to PPP$0.04 0.10 0.15 0.20 0.24 0.20 
Equity method investment (17)
Fee income from BHG, net of amortization$49,465 33,655 30,844 30,409 32,071 28,950 
Funding cost to support investment1,998 666 388 379 1,230 1,205 
Pre-tax impact of BHG47,467 32,989 30,456 30,030 30,841 27,745 
Income tax expense at statutory rates (18)
12,408 8,623 7,961 7,850 8,062 7,253 
Earnings attributable to BHG$35,059 24,366 22,495 22,180 22,779 20,492 
Basic earnings per common share attributable to BHG$0.46 0.32 0.30 0.29 0.30 0.27 
Diluted earnings per common share attributable to BHG$0.46 0.32 0.30 0.29 0.30 0.27 
This information is preliminary and based on company data available at the time of the presentation.


18

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
RECONCILIATION OF NON-GAAP SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED
Six months ended
(dollars in thousands, except per share data)June 30,
20222021
Net income available to common shareholders$266,641 249,622 
Investment (gains) losses on sales of securities, net61 (366)
ORE expense (benefit)191 (670)
Tax effect on adjustments noted above (18)
(66)271 
Net income available to common shareholders excluding adjustments noted above $266,827 248,857 
Basic earnings per common share$3.52 3.31 
Adjustment due to investment (gains) losses on sales of securities, net— — 
Adjustment due to ORE expense (benefit)— (0.01)
Adjustment due to tax effect on adjustments noted above (18)
— — 
Basic earnings per common share excluding adjustments noted above$3.52 3.30 
Diluted earnings per common share3.51 3.30 
Adjustment due to investment (gains) losses on sales of securities, net— — 
Adjustment due to ORE expense (benefit)— (0.01)
Adjustment due to tax effect on adjustments noted above (18)
— — 
Diluted earnings per common share excluding the adjustments noted above$3.51 3.29 
Revenue per diluted common share$9.65 8.54 
Adjustments as noted above— — 
Revenue per diluted common share excluding adjustments noted above$9.65 8.54 
Paycheck Protection Program (PPP)
PPP net interest income14,729 45,541 
Income tax expense at statutory rates (18)
3,850 11,904 
Earnings attributable to PPP$10,879 33,637 
Basic earnings per common share attributable to PPP$0.14 0.45 
Diluted earnings per common share attributable to PPP$0.14 0.44 
Equity method investment (17)
Fee income from BHG, net of amortization$83,120 61,021 
Funding cost to support investment2,664 2,435 
Pre-tax impact of BHG80,456 58,586 
Income tax expense at statutory rates (18)
21,031 15,314 
Earnings attributable to BHG$59,425 43,272 
Basic earnings per common share attributable to BHG$0.78 0.57 
Diluted earnings per common share attributable to BHG$0.78 0.57 
This information is preliminary and based on company data available at the time of the presentation.

19

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
RECONCILIATION OF NON-GAAP SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED
Three months ended
Six months ended
(dollars in thousands, except per share data)
June MarchJuneJune June
20222022202120222021
Return on average assets (1)
1.46 %1.32 %1.46 %1.39 %1.44 %
Adjustments as noted above— %— %— %— %— %
Return on average assets excluding adjustments noted above (1)
1.46 %1.32 %1.46 %1.39 %1.44 %
Tangible assets:
Total assets$40,121,292 39,400,378 35,412,309 $40,121,292 35,412,309 
Less:   Goodwill(1,846,466)(1,850,951)(1,819,811)(1,846,466)(1,819,811)
Core deposit and other intangible assets(37,617)(31,997)(37,963)(37,617)(37,963)
Net tangible assets$38,237,209 37,517,430 33,554,535 $38,237,209 33,554,535 
Tangible common equity:
Total stockholders' equity$5,315,239 5,280,950 5,101,231 $5,315,239 5,101,231 
Less: Preferred stockholders' equity(217,126)(217,126)(217,126)(217,126)(217,126)
Total common stockholders' equity5,098,113 5,063,824 4,884,105 5,098,113 4,884,105 
Less: Goodwill(1,846,466)(1,850,951)(1,819,811)(1,846,466)(1,819,811)
Core deposit and other intangible assets(37,617)(31,997)(37,963)(37,617)(37,963)
Net tangible common equity$3,214,030 3,180,876 3,026,331 $3,214,030 3,026,331 
Ratio of tangible common equity to tangible assets8.41 %8.48 %9.02 %8.41 %9.02 %
Average tangible assets:
Average assets$38,780,786 38,637,221 35,053,772 $38,709,401 34,857,543 
Less: Average goodwill(1,851,137)(1,830,553)(1,819,811)(1,840,902)(1,819,811)
Average core deposit and other intangible assets(31,409)(33,177)(39,360)(32,288)(40,461)
Net average tangible assets$36,898,240 36,773,491 33,194,601 $36,836,211 32,997,271 
Return on average assets (1)
1.46 %1.32 %1.46 %1.39 %1.44 %
Adjustment due to goodwill, core deposit and other intangible assets0.08 %0.06 %0.09 %0.07 %0.09 %
Return on average tangible assets (1)
1.54 %1.38 %1.55 %1.46 %1.53 %
Adjustments as noted above— %— %(0.01)%— %(0.01)%
Return on average tangible assets excluding adjustments noted above (1)
1.54 %1.38 %1.54 %1.46 %1.52 %
Average tangible common equity:
Average stockholders' equity$5,316,219 5,331,405 5,039,608 $5,323,770 4,996,870 
Less: Average preferred equity(217,126)(217,126)(217,126)(217,126)(217,126)
Average common equity5,099,093 5,114,279 4,822,482 5,106,644 4,779,744 
Less:   Average goodwill(1,851,137)(1,830,553)(1,819,811)(1,840,902)(1,819,811)
Average core deposit and other intangible assets(31,409)(33,177)(39,360)(32,288)(40,461)
Net average tangible common equity$3,216,547 3,250,549 2,963,311 $3,233,454 2,919,472 
Return on average equity (1)
10.66 %9.53 %10.19 %10.10 %10.07 %
Adjustment due to average preferred stockholders' equity0.46 %0.41 %0.46 %0.43 %0.46 %
Return on average common equity (1)
11.12 %9.94 %10.65 %10.53 %10.53 %
Adjustment due to goodwill, core deposit and other intangible assets6.50 %5.69 %6.67 %6.10 %6.71 %
Return on average tangible common equity (1)
17.62 %15.63 %17.32 %16.63 %17.24 %
Adjustments as noted above0.01 %0.02 %(0.10)%0.01 %(0.05)%
Return on average tangible common equity excluding adjustments noted above (1)
17.63 %15.65 %17.22 %16.64 %17.19 %
Allowance for credit losses on loans as a percent of total loans (20)
1.03 %1.07 %1.20 %1.03 %1.20 %
Impact of excluding PPP loans from total loans0.01 %— %0.07 %0.01 %0.07 %
Allowance as adjusted for the above exclusion of PPP loans from total loans (20)
1.04 %1.07 %1.27 %1.04 %1.27 %
This information is preliminary and based on company data available at the time of the presentation.

20

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED
 
1. Ratios are presented on an annualized basis.
2. Net interest margin is the result of net interest income on a tax equivalent basis divided by average interest earning assets.
3. Total revenue is equal to the sum of net interest income and noninterest income.
4. Efficiency ratios are calculated by dividing noninterest expense by the sum of net interest income and noninterest income.
5. Troubled debt restructurings include loans where the Company, as a result of the borrower's financial difficulties, has granted a credit concession to the borrower (i.e., interest only payments for a significant period of time, extending the maturity of the loan, etc.).  All of these loans continue to accrue interest at the contractual rate. Troubled debt restructurings do not include, beginning with the quarter ended March 31, 2020, loans for which the Company has granted a deferral of interest and/or principal or other modification pursuant to the guidance issued by the FDIC providing for relief under the Coronavirus Aid, Relief and Economic Security Act.
6. Average risk ratings are based on an internal loan review system which assigns a numeric value of 10 to 100 to all loans to commercial entities based on their underlying risk characteristics as of the end of each quarter. The risk rating scale was changed to allow for granularity, if needed, in criticized and classified risk ratings to distinguish accrual status or structural loan issues. A "10" risk rating is assigned to credits that exhibit Excellent risk characteristics, "20" exhibit Very Good risk characteristics, "30" Good, "40" Satisfactory, "50" Acceptable or Average, "60" Watch List, "70" Criticized, "80" Classified or Substandard, "90" Doubtful and "100" Loss (which are charged-off immediately).  Additionally, loans rated "80" or worse that are not nonperforming or restructured loans are considered potential problem loans.  Generally, consumer loans are not subjected to internal risk ratings.
7. Annualized net loan charge-offs to average loans ratios are computed by annualizing quarter-to-date net loan charge-offs and dividing the result by average loans for the quarter-to-date period.
8. Capital ratios are calculated using regulatory reporting regulations enacted for such period and are defined as follows:
Equity to total assets – End of period total stockholders' equity as a percentage of end of period assets.
Tangible common equity to tangible assets - End of period total stockholders' equity less end of period preferred stock, goodwill, core deposit and other intangibles as a percentage of end of period assets less end of period goodwill, core deposit and other intangibles.
Leverage – Tier I capital (pursuant to risk-based capital guidelines) as a percentage of adjusted average assets.
Tier I risk-based – Tier I capital (pursuant to risk-based capital guidelines) as a percentage of total risk-weighted assets.
Total risk-based – Total capital (pursuant to risk-based capital guidelines) as a percentage of total risk-weighted assets.
Classified asset - Classified assets as a percentage of Tier 1 capital plus allowance for credit losses.
Tier I common equity to risk weighted assets - Tier 1 capital (pursuant to risk-based capital guidelines) less the amount of any preferred stock or subordinated indebtedness that is considered as a component of Tier 1 capital as a percentage of total risk-weighted assets.
9. Book value per common share computed by dividing total common stockholders' equity by common shares outstanding. Tangible book value per common share computed by dividing total common stockholders' equity, less goodwill, core deposit and other intangibles by common shares outstanding.
10. Amounts are included in the statement of operations in "Gains on mortgage loans sold, net", net of commissions paid on such amounts.
11. At fair value, based on information obtained from Pinnacle's third party broker/dealer for non-FDIC insured financial products and services.
12. Core deposits include all transaction deposit accounts, money market and savings accounts and all certificates of deposit issued in a denomination of less than $250,000. The ratio noted above represents total core deposits divided by total funding, which includes total deposits, FHLB advances, securities sold under agreements to repurchase, subordinated indebtedness and all other interest-bearing liabilities.
13. Associate retention rate is computed by dividing the number of associates employed at quarter end less the number of associates that have resigned in the last 12 months by the number of associates employed at quarter end. Associate retention rate does not include associates at acquired institutions displaced by merger.
14.  Adjusted pre-tax, pre-provision net revenue excludes the impact of ORE expenses and income and investment gains and losses on sales of securities.
15. Represents investment gains (losses) on sales and impairments, net occurring as a result of gains or losses incurred as the result of a change in management's intention to sell a bond prior to the recovery of its amortized cost basis.
16. The dividend payout ratio is calculated as the sum of the annualized dividend rate for dividends paid on common shares divided by the trailing 12-months fully diluted earnings per common share as of the dividend declaration date.
17. Earnings from equity method investment includes the impact of the issuance of subordinated debt as well as the funding costs of the overall franchise. Income tax expense is calculated using statutory tax rates.
18. Tax effect calculated using the blended statutory rate of 26.14 percent.
19. Calculated using the same guidelines as are used in the Federal Financial Institutions Examination Council's Uniform Bank Performance Report.
20. Effective January 1, 2020 Pinnacle Financial adopted the current expected credit loss accounting standard which requires the recognition of all losses expected to be recorded over a loan's life.

21
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Cover
Jul. 19, 2022
Cover [Abstract]  
Document Type 8-K
Document Period End Date Jul. 19, 2022
Entity Address, Address Line One 150 Third Avenue South
Entity Address, Address Line Two Suite 900
Entity Address, City or Town Nashville
Entity Address, State or Province TN
Entity Address, Postal Zip Code 37201
City Area Code (615)
Local Phone Number 744-3700
Written Communications false
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Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Entity Tax Identification Number 62-1812853
Entity File Number 000-31225
Entity Incorporation, State or Country Code TN
Entity Registrant Name PINNACLE FINANCIAL PARTNERS, INC.
Entity Central Index Key 0001115055
Amendment Flag false
Common Class A [Member]  
Cover [Abstract]  
Title of 12(b) Security Common Stock par value $1.00
Trading Symbol PNFP
Security Exchange Name NASDAQ
Document Information [Line Items]  
Title of 12(b) Security Common Stock par value $1.00
Trading Symbol PNFP
Security Exchange Name NASDAQ
Noncumulative Preferred Stock [Member]  
Cover [Abstract]  
Title of 12(b) Security Depositary Shares (each representing a 1/40th interest in a share of 6.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series B)
Trading Symbol PNFPP
Security Exchange Name NASDAQ
Document Information [Line Items]  
Title of 12(b) Security Depositary Shares (each representing a 1/40th interest in a share of 6.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series B)
Trading Symbol PNFPP
Security Exchange Name NASDAQ
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