| --- | --- | --- | --- | |-----------------------------------------------------------------------|-------|-------|-------| | | | | | | | | | | | Investor Call | | | | | | | | | | SECOND QUARTER 2021 JULY 21, 2021 Time: 8:30 AM CDT | | | | | Webcast: www.pnfp.com (investor relations) Audio only: 877-602-7944 | | | | | M. TERRY TURNER, PRESIDENT AND CEO HAROLD R. CARPENTER, EVP AND CFO | | | | | | | | | Safe Harbor Statements Forward Looking Statements All statements, other than statements of historical fact ...

Pinnacle Financial Partners, Inc. (NASDAQ:PNFP) Q2 2021 Earnings Conference Call July 21, 2021 9:30 AM ET Company Participants Terry Turner – Chief Executive Officer Harold Carpenter – Chief Financial Officer Conference Call Participants Steven Alexopoulos – JPMorgan Stephen Scouten – Piper Sandler Jennifer Demba – Truist Securities Jared Shaw – Wells Fargo Securities Brett Rabatin – Hovde Group Catherine Mealor – KBW Vilas Abraham – UBS Michael Rose – Raymond James David Bishop – Seaport Research Partners ...

Table of Contents ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OF 15(d) OF THE SECURITIES AND EXCHANGE ACT OF 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (mark one) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or (615) 744-3700 (Registrant's telephone number, including area code) Not Applicable (Former name, former address and former fiscal year, if changes since last report) I ...

| --- | --- | --- | --- | --- | |----------------------------------------------------------------------------------------------------------------------------------------|-------|-------|-------|-------| | | | | | | | | | | | | | Investor Call | | | | | | | | | | | | FIRST QUARTER 2021 April 20, 2021 Time: 8:30 AM CDT Webcast: www.pnfp.com (investor relations) | | | | | | M. TERRY TURNER, PRESIDENT AND CEO HAROLD R. CARPENTER, EVP AND CFO TIM HUESTIS, EVP AND CHIEF CREDIT OFFICER Audio only: 877-602-7944 | | ...

Pinnacle Financial Partners, Inc. (NASDAQ:PNFP) Q1 2021 Earnings Conference Call April 20, 2021 9:30 AM ET Company Participants Terry Turner - CEO Harold Carpenter - CFO Tim Huestis - Chief Credit Officer Conference Call Participants Jared Shaw - Wells Fargo Stephen Scouten - Piper Sandler Brock Vandervliet - UBS Stephen Alexopoulos - JPMorgan Brett Rabatin - Hovde Group Matt Olney - Stephens Catherine Mealor - KBW Michael Rose - Raymond James Jennifer Demba - Truist Securities Brian Martin - Janney Montgom ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 000-31225 Pinnacle Financial Partners Inc. , Inc. (Exact name of registrant as specified in charter) Tennessee 62-1812853 (State ...

| --- | --- | --- | --- | |----------------------------------------------------------------------------------------------------------------------------------------|-------|-------|-------| | | | | | | | | | | | Investor Call | | | | | | | | | | FOURTH QUARTER 2020 January 20, 2021 Time: 8:30 AM CST Webcast: www.pnfp.com (investor relations) | | | | | M. TERRY TURNER, PRESIDENT AND CEO HAROLD R. CARPENTER, EVP AND CFO TIM HUESTIS, EVP AND CHIEF CREDIT OFFICER Audio only: 877-602-7944 | | | | | | | | | Safe H ...

Financial Data and Key Metrics Changes - The fourth quarter was characterized by strong performance metrics, including a 9% year-over-year increase in total revenues and a 28% increase in fully diluted EPS compared to 2019 [8][44] - Adjusted PPNR for 2020 rose nearly 9.4% over 2019, with PPNR per share up 11.4% [8] - Asset quality remained robust, with NPAs at just 38 basis points and annualized net charge-offs at 19 basis points for the quarter [10][44] Business Line Data and Key Metrics Changes - Loan growth was reported at 13.3% year-over-year, with a nearly 8% annualized increase in the fourth quarter excluding PPP loans [9][13] - Fee income for the quarter exceeded $83 million, with a remarkable 40% growth in fee revenues for 2020 [21] - Non-interest bearing deposits grew significantly, ending at $7.4 billion, a 54% increase from the previous year [17] Market Data and Key Metrics Changes - The company experienced a significant increase in commercial check accounts, up almost 12% since year-end [17] - The average loan to average deposits ratio was at its lowest level, 83%, indicating a potential for future loan growth [17] Company Strategy and Development Direction - The company aims to focus on organic growth through hiring, with a plan to continue expanding its workforce in attractive markets [52] - There is a strong emphasis on maintaining asset quality and managing credit risk, particularly in light of the ongoing pandemic [35][41] - The company is optimistic about capitalizing on market share opportunities as the economy reopens post-pandemic [43][45] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism regarding the economic recovery, supported by the rollout of COVID-19 vaccines and new stimulus measures [32][35] - The company anticipates challenges in the first half of 2021 but remains confident in its ability to navigate the environment due to strong client relationships and proactive measures taken during the pandemic [35][43] Other Important Information - The Board approved a $125 million buyback program, with plans to consider deploying those funds soon [25] - The company has increased its quarterly dividend, reflecting confidence in its financial position and future growth [25] Q&A Session All Questions and Answers Question: Follow-up on hiring and M&A interest - Management indicated a preference for organic growth through hiring rather than pursuing M&A, although they remain open to evaluating opportunities if they arise [51][53] Question: Changes in strategy post-pandemic - Management expects modest changes in strategy, focusing on geographic expansion and technology investments to enhance client service [54][55] Question: Loan growth and new hires - Management expressed optimism for increased hiring activity in 2021, contingent on the pace of vaccine distribution and economic recovery [58][59] Question: Guidance on expenses and reserves - Management clarified that expense guidance for 2021 is based on total expenses of $577 million, with no planned reserve releases anticipated for BHG [65][67] Question: Fee income outlook - Management expects strong fee income growth from non-mortgage units, projecting mid-single-digit growth overall [69] Question: Core deposit growth and future expectations - Management discussed the structural changes made to enhance core deposit growth and anticipates a slowdown in deposit growth moving forward [71][73]

| --- | --- | --- | --- | |----------------------------------------------------------------------------------------------------------------------------------------|-------|-------|-------| | | | | | | | | | | | Investor Call | | | | | | | | | | THIRD QUARTER 2020 October 21, 2020 Time: 8:30 AM CDT Webcast: www.pnfp.com (investor relations) | | | | | M. TERRY TURNER, PRESIDENT AND CEO HAROLD R. CARPENTER, EVP AND CFO TIM HUESTIS, EVP AND CHIEF CREDIT OFFICER Audio only: 877-602-7944 | | | | | | | | | Safe Ha ...

Pinnacle Financial Partners, Inc. (NASDAQ:PNFP) Q3 2020 Earnings Conference Call October 21, 2020 9:30 AM ET Operator Company Participants | --- | |----------------------------------------------------------------------------------------------------------------------| | | | Terry Turner - Chief Executive Officer Harold Carpenter - Chief Financial Officer Tim Huestis - Chief Credit Officer | | Conference Call Participants | | Stephen Scouten - Piper Sandler | | Jennifer Demba - Truist Securities Jared Shaw - ...