Pinnacle National Bank

Pinnacle National Bank is headquartered in Nashville and is the 2^nd largest bank in the state of Tennessee. It is also the 173^rd largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 744 employees at 33 locations. Pinnacle National Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Pinnacle National Bank FDIC Certificate # 35583 BankRate Report View Year Established 2000 Employees 744 Primary Regulator OCC Assets and Liabilities Assets $4.77 billion Loans $3.29 billion Deposits $3.63 billion Equity Capital $746.78 million Loan Loss Allowance $71.38 million Unbacked Noncurrent Loans $43.67 million Real Estate Owned $34.02 million Historic Data - March 2011 Assets $4.81 billion Equity Capital $690.05 million Loan Loss Allowance $78.99 million Unbacked Noncurrent Loans $77.29 million Real Estate Owned $56.00 million Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 0.76% Return on Equity 4.95% Interest Income $45.96 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Pinnacle National Bank had $77.69 million in non-current loans and owned real-estate with $818.15 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle National Bank a Texas Ratio of 9.50% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pinnacle National Bank decreased significantly from 17.36% as of March 31, 2011 to 9.50% as of March 31, 2012, resulting in a positive change of 45.31%.This indicates that the balance sheet and financial strength for Pinnacle National Bank has improved significantly in recent periods. Deposit Growth In the past year, Pinnacle National Bank has decreased its total deposits by -$164.17 million, resulting in -4.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pinnacle National Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pinnacle National Bank has $4.77 billion in assets with $818.15 million in equity, resulting in a capitalization level of 17.14%, which is excellent.

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