Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10). Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 11.8 and a capital leverage ratio of 9.0.
Other Rating Factors:
A current level of 3.9 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Good asset quality (6.5). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.8) profitability.
Asset Mix:
Comm re (20%), comm loans (19%), securities (16%), home mtgs (7%), cash (6%), home eq lns (2%), consumer loans (2%), other (28%)
States with Branches:
AL, FL, GA, KY, MD, NC, SC, TN, VA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Pinnacle Financial Partners, Inc.
Investment Rating
--
Address
21 Platform Way South
Nashville, TN 37203
Nashville, TN 37203
Phone Number
(615) 744-3705
Year Founded
2000
FDIC Number
Website
Largest Affiliates
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