Fourth Quarter 2009 Earnings Conference Call

Pinnacle Financial Partners Inc. (Nasdaq: PNFP) will host a live webcast on Wednesday, Jan. 20, at 8:30 a.m. CST to review its financial results, business outlook for the firm and other matters. To access the call for audio only, please call 888.297.0360 or view the presentation and streaming audio. To print a PDF of the presentation, click here.

Pinnacle Financial Partners began operations in a single downtown Nashville location in October 2000 and has since grown to $5 billion in assets. In 2007, Pinnacle launched an expansion into Knoxville, another high growth MSA. Pinnacle is the second-largest bank holding company headquartered in Tennessee, with 31 offices in eight Middle Tennessee counties and two in Knoxville. The firm is the fastest growing of the 218 national banks chartered in 2000 and in 2009 was added to Standard & Poor's SmallCap 600 index.

The same five key business strategies Pinnacle has employed since inception are in place today:

Hire and retain highly experienced and qualified financial services professionals.We believe we take care of our clients better than anyone else in the market primarily because we attract and keep the most talented and experienced financial professionals – people with significant expertise, large client followings and a strong likelihood of thriving in the client-centered Pinnacle culture. We know how important associate retention is to our clients who have experienced significant turnover in previous relationships at the large regional banks.



Provide individualized attention with consistent, local decision-making authority. When presented with a choice, we believe that our clients prefer to work with bankers who understand their community and are empowered to make decisions, rather than a large, multi-state bank where many important decisions regarding a client’s financial affairs are made elsewhere.




Offer a full line of financial services to include traditional depository and credit products, as well as sophisticated investment and insurance products. We also offer our clients a full suite of treasury management services, typically reserved only for clients of the large regional institutions.




Capitalize on client dissatisfaction that has been caused by our competitors’ less than satisfactory response to the financial needs of today’s sophisticated consumers, real estate professionals and small businesses. Since we began our firm, we have historically surveyed our clients on numerous matters related to their relationship with us. Nearly 100 percent of our clients rank us “recognizably better” than our competitors.




Offer extraordinary convenience by building a branch office distribution system designed to conveniently serve our market and, more importantly, provide alternative means for our clients to access financial services. These alternative options are more convenient to access and lower cost than full service branch offices, and provide convenience and distinctive service for our clients 24 hours a day.