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IRA Corporate Monitor has been implemented as a customized web-enabled Service Oriented Architecture (SOA) solution serving the data management and analytics needs of major organizations.

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Banking Institution
Pinnacle Financial Partners, Inc.
Ticker: PNFP
Exchange: QS
Auditor: KPMG LLP

Links:  IRA Corporate Soundness ReportSEC Filings Catalog

IRA Bank Monitor:  Non-Performing Loans Mini-Report
A bank holding company whose main business is conducted by its wholly-owned subsidiary, Pinnacle National Bank which provides a range of banking services in its main market areas of the Nashville-Davidson-Rutherford-Franklin, Tennessee and Knoxville.
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Obligor Rating Factors
supports credit issuance and Basel II risk analysis
Stratification of subject to support credit facility category assignment.

Sales
Gross Profit Margin, %
Assets
Return on Assets, %
Total Debt
Current Liabilities
Total Debt to Total Assets
Equity

IRA Asset Quality Score
IRA Current Adequacy Score
IRA Firesale Test Score

ExAnte Financing Analysis

Manifest External Ante Financing Need
* computed
Maximum Capital Markets Benchmark
* estimated equity raising margin while preserving worst case residual claim value
Corresponding Debt Path Benchmark
* amount needing to seek or buffered from risk bearing financing

Borrowing Analysis

Available Collateral
Preferred Risk Facility: High Asset Quality Collateral
Mid-Range Risk Facility: Low Asset Quality Collateral
Highest Risk Tolerance Facility: Remaining Unsecured Debt Need/Surplus
* not adjusted for overcollateralization guarantee factors.

Private Placement Analysis

Total Uncollateralized Exposure
ExAnte Need adjusted for Available Collateral

Reference Calc Z-Score

2009/12

$245,367,800
4.09%
$5,128,811,000
-0.69%



$611,557,600







$754,890,100



















NC

Closest Peers Based On Selected Financial Analysis Criteria
Proximity Filter: Broad, within the same 2-digit SIC industry code.
SalesAssetsReturn on AssetsAsset QualityEarnings Per Share
Cash America International, Inc.

Consumer Portfolio Services Inc.

Security National Financial Corporation

Tree.com, Inc.

Federal Agricultural Mortgage Corporation (FAMC)

CB Richard Ellis Group, Inc.

Federal Agricultural Mortgage Corporation (FAMC)

United Western Bancorp, Inc.

Intervest Bancshares Corporation

NewStar Financial, Inc.

HFF, Inc.

Doral Financial Corporation

AmeriCredit Corporation

Intervest Bancshares Corporation

Medallion Financial Corporation

NewStar Financial, Inc.

Resource America, Inc. CL A

Heartland Payment Systems, Incorporated

United Western Bancorp, Inc.

Asset Acceptance Capital Corporation

Indicators shown only if sufficient data elements exist in our data feeds to support automated engine computations. Contact IRA consulting for manually derived research.

Copyright 2009 Institutional Risk Analytics, a unit of Lord, Whalen LLC (LW).

All analytical measurements and information integration methods published by LW are proprietary intellectual property. The content may not be reproduced, disseminated, or distributed, in part or in whole, by any means, outside of the recipient's organization without express written authorization from LW. It is a violation of federal copyright law to reproduce all or part of this publication or its contents by any means. This material does not constitute a solicitation for the purchase or sale of any securities or investments. The opinions expressed herein are based on publicly available information and are considered reliable. However, LW makes NO WARRANTIES OR REPRESENTATIONS OF ANY SORT with respect to this report. Any person using this material does so solely at their own risk and LW and/or its employees shall be under no liability whatsoever in any respect thereof.


IRA Corporate Monitor can be powered by practically any vended data feed including blends of multiple vendor sources. Information on public company filings to the Securities and Exchange Commission (SEC) and bank Call Reports to the Federal Deposit Insurance Corporation (FDIC) are independently collected by Institutional Risk Analytics.

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