Pinnacle Financial Partners(US:PNFP)2025-04-15 17:25Financial Performance Highlights - Total revenues increased, with adjusted figures showing 14.2% growth[16] - Adjusted Fully Diluted EPS (FD EPS) increased by 24.2%[16] - Tangible book value per share grew by 10.6%[147] Loan and Deposit Growth - Net loan growth showed strategic expansion of $756 million[19] - Total deposits increased, with strategic expansion contributing $1.1 billion[110] - Average loans increased to $36042 million[28] - Average deposits increased to $43019 million[35] Asset Quality - Classified Asset Ratio decreased to 4.4%[105] - ACL decreased to 1.16% of total loans[52] - Net charge-offs are estimated to be between 0.16% and 0.20% of average loans for 2025[58] BHG Financial Overview - BHG reported Q1 earnings of $44.1 million, the highest since Q3 2023[53] - BHG's bank auction spreads finished at 9.5% for 1Q25[156] - Over 80% of BHG's Q1 2025 originations were to FICO scores of 700+[165] Forward Outlook - EOP loan growth for 2025 is estimated to be 8-11% over 2024[58] - EOP deposit growth for 2025 is estimated to be 7-10% over 2024[58] - Net interest income growth for 2025 is estimated to be 11-13% year over year[58]