Exhibit 99.1

FOR IMMEDIATE RELEASE

		MEDIA CONTACT:		Sue Atkinson, 615-320-7532
		FINANCIAL CONTACT:		Harold Carpenter, 615-744-3742
		WEBSITE:		www.pnfp.com

PINNACLE FINANCIAL EXPANDS
PROFITABILITY IN FOURTH QUARTER 2010

     NASHVILLE, Tenn., Jan. 18, 2011 — Pinnacle Financial Partners, Inc. (Nasdaq/NGS: PNFP) today reported that its net income per fully diluted common share available to common stockholders was $0.07 for the quarter ended Dec. 31, 2010, compared to net loss per fully diluted common share available to common stockholders of $0.12 for the quarter ended Dec. 31, 2009. Pinnacle also reported a net loss per fully diluted common share available to common stockholders of $0.93 for the year ended Dec. 31, 2010, compared to a net loss per fully diluted common share available to common stockholders of $1.46 for the year ended Dec. 31, 2009.

     “Fiscal year 2010 has been a transition year for Pinnacle with two critical priorities - aggressively dealing with credit issues and improving the core earnings capacity of the firm,” said M. Terry Turner, Pinnacle’s president and chief executive officer. “During the fourth quarter, we saw continued meaningful progress on both priorities. We anticipate we will continue to focus on these two critical priorities in 2011 as well as directing our sales force with increasing energy to gather new small and middle market business clients in middle and east Tennessee.”

Aggressively Dealing with Credit Issues

•

Reduced nonperforming loans by $22.3 million during the fourth quarter, a linked-quarter reduction of 22 percent and the third consecutive quarterly reduction.

	•		Reduced criticized and classified assets by $34 million during the fourth quarter, a linked-quarter reduction of 6.5 percent and the third consecutive quarter of net reductions.
	•		Resolved $37.3 million in nonperforming assets during the fourth quarter, with resolutions of more than $180.0 million during 2010.
	•		At Dec. 31, 2010, OREO constitutes approximately 42 percent of NPA’s, generally higher than peers, and is reflective of Pinnacle’s commitment to aggressively deal with problem loans. The average age of the portfolio is 141 days, which approximates the 143 days at Sept. 30, 2010.
	•		Nonperforming loan inflows decreased from $34.0 million in the third quarter of 2010 to $25.9 million during the fourth quarter of 2010.
	•		Reduced exposure to construction and land development loans from $359.7 million at Sept. 30, 2010, to $331.3 million at Dec. 31, 2010, a linked-quarter decrease of 7.9 percent.

Expanding the Core Earnings Capacity of the Firm

	•		Net interest margin increased to 3.29 percent for the quarter ended Dec. 31, 2010, from 3.19 percent for the quarter ended Dec. 31, 2009. Net interest margin for the quarter ended Sept. 30, 2010, was 3.23 percent. Noninterest income was $8.67 million in the fourth quarter of 2010, compared to $8.59 million in the third quarter of 2010 and $8.18 million in the fourth quarter of 2009.
	•		The efficiency ratio was 81.5 percent for the fourth quarter of 2010. The efficiency ratio, excluding OREO expenses, improved to 63.9 percent during the fourth quarter, the fourth consecutive quarterly improvement in “core efficiency.”
	•		Growth in core deposits of 4.3 percent during the fourth quarter compared to the third quarter of 2010 and 20.5 percent for the full year, is reflective of the firm’s appeal to small and mid-size business in its markets. Average balances of noninterest bearing deposit accounts were $576 million in the fourth quarter of 2010, an increase of 7.8 percent over third quarter 2010 average balances.

     “The single largest opportunity for us to improve our core earnings capacity is to expand our net interest margin. During the fourth quarter of 2010, we successfully expanded the net

interest margin to 3.29 percent, and we expect continued margin expansion in 2011,” Turner said. “Additionally, Greenwich Research recently recognized Pinnacle for having achieved national distinction for overall client satisfaction among business clients. It is our intent to capitalize on our ‘best-in-class’ reputation to responsibly grow our loans to small business and middle market customers. In fact, during the fourth quarter, we produced net loan growth of $32.1 million in commercial and industrial loans and owner-occupied commercial real estate loans. Our ability to increase commercial loan volumes and our net interest margin should result in continued growth in core earnings over the long term.”

FOURTH QUARTER 2010 HIGHLIGHTS:

•

Balance sheet

	o		Core deposits amounted to $3.12 billion at Dec. 31, 2010, an increase of 20.5 percent from the $2.59 billion at Dec. 31, 2009. Core deposits increased by $129 million during the fourth quarter of 2010.
	o		Total deposits at Dec. 31, 2010, remained steady at $3.83 billion as compared to $3.82 billion at Dec. 31, 2009, and $3.83 billion at Sept. 30, 2010.
	o		Loans at Dec. 31, 2010, were $3.21 billion, down from $3.25 billion at Sept. 30, 2010, and $3.56 billion at Dec. 31, 2009.

•

Operating results

	o		Revenue for the quarter ended Dec. 31, 2010, amounted to $44.72 million, compared to $44.65 million for the third quarter of 2010 and $45.20 million for the same quarter of last year.
	o		Net income available to common stockholders for the fourth quarter of 2010 was $2.25 million, compared to the prior year’s fourth quarter net loss available to common stockholders of $3.98 million. Third quarter 2010 net income available to common stockholders totaled $549,000.

•

Capital

o

At Dec. 31, 2010, and Dec. 31, 2009, Pinnacle’s ratio of tangible common stockholders’ equity to tangible assets was 7.1 percent and 7.3 percent, respectively. Pinnacle’s tangible book value per common share was $9.80 at Dec. 31, 2010, compared to $10.71 at Dec. 31, 2009. Book value per

			common share was $17.22 and $18.41 at Dec. 31, 2010, and Dec. 31, 2009, respectively.
	o		At Dec. 31, 2010, Pinnacle Financial’s total risk-based capital ratio was 15.2 percent, compared to 14.8 percent at Dec. 31, 2009.

•

Credit quality

	o		Net charge-offs were $7.15 million for the three months ended Dec. 31, 2010, compared to $6.72 million for the three months ended Dec. 31, 2009, and $7.35 million for the third quarter of 2010.
	o		The allowance for loan losses represented 2.57 percent of total loans at Dec. 31, 2010, compared to 2.60 percent at Sept. 30, 2010, and 2.58 percent at Dec. 31, 2009.
	o		Nonperforming loans plus other real estate were 4.29 percent of total loans plus other real estate at Dec. 31, 2010, compared to 4.60 percent at Sept. 30, 2010, and 4.29 percent at Dec. 31, 2009.
	o		Past due loans over 30 days, excluding nonperforming loans, were 0.30 percent of total loans at Dec. 31, 2010, compared to 0.67 percent at Sept. 30, 2010, and 0.46 percent at Dec. 31, 2009.

     The following is a summary of the activity in various nonperforming asset and restructured accruing loan categories for the quarter ended Dec. 31, 2010:

						Payments,
		Balances				Sales and												Balances
(in thousands)		Sept. 30, 2010				Reductions				Transfers				Inflows				Dec. 31, 2010
Restructured accruing loans:
Residential construction and development		$	—			$	—			$	—			$	—			$	—
Commercial construction and development			—				—				—				—				—
Other			13,468				(1,008	)			—				8,008				20,468
Totals			13,468				(1,008	)			—				8,008				20,468
Nonperforming loans:
Residential construction and development			21,513				(3,940	)			(3,792	)			2,054				15,835
Commercial construction and development			33,444				(3,368	)			(11,969	)			9,572				27,679
Other			48,170				(16,708	)			(8,372	)			14,259				37,349
Totals			103,127				(24,016	)			(24,133	)			25,885				80,863
Other real estate:
Residential construction and development			21,479				(6,556	)			3,792				—				18,715
Commercial construction and development			20,260				(5,505	)			11,969				—				26,724
Other			6,971				(1,174	)			8,372				—				14,169
Totals			48,710				(13,235	)			24,133				—				59,608
Total nonperforming assets and restructured accruing loans		$	165,305			$	(38,259	)		$	—			$	33,893			$	160,939

REVENUE

	•		Net interest income for the fourth quarter of 2010 was $36.06 million, compared to $36.06 million for the third quarter 2010 and $37.03 million for the same quarter last year.
	•		Noninterest income for the fourth quarters of 2010 and 2009 was $8.67 million and $8.18 million, respectively.

     “We were pleased with our margin expansion during the fourth quarter,” said Harold R. Carpenter, Pinnacle’s chief financial officer. “We experienced fewer inflows of nonperforming loans, which served to reduce the amount of reversed interest for the fourth quarter. It is our intent to gradually increase loan originations and capitalize on continued deposit repricing over the next few quarters, both of which should benefit our margins and net interest income.”

     Carpenter also noted that although the pace at which loan balances decreased during the quarter was significantly less than the last few quarters, the firm’s immediate goal was to reverse the trend and begin to grow total loans at a reasonable rate within the next few quarters. Carpenter stated that the firm has initiatives aimed at intensifying its sales efforts to small business and middle market segments in middle and east Tennessee.

NONINTEREST EXPENSE & TAXES

	•		Noninterest expense for the quarter ended Dec. 31, 2010, was $36.45 million, compared to $37.77 million in the third quarter of 2010 and $35.45 million in the fourth quarter of 2009.
	•		Compensation expense was $15.71 million during the fourth quarter of 2010, compared to $16.07 million during the third quarter of 2010 and $15.04 million during the fourth quarter of 2009.
	•		Included in noninterest expense for the fourth quarter of 2010 was $7.87 million in other real estate expenses, compared to $8.39 million in the fourth quarter of 2009. Third quarter 2010 other real estate expense was approximately $8.52 million.

     Excluding the impact of OREO expenses, the fourth quarter of 2010 noninterest expense was approximately $28.58 million, a slight decrease compared to $29.25 million in the third quarter of 2010. Carpenter also noted that in 2011 the firm would again see its noninterest expense run rate increase in the first quarter due to additional compensation costs related to annual merit raises and employment benefits increases including 2011 incentive award accruals.

     Other real estate expense was $7.9 million during the fourth quarter of 2010, of which $124,000 was attributable to losses on the disposition of those assets and $6.1 million was attributable to additional write downs of existing balances based on updated appraisals.

     The firm recognized an income tax benefit of $697,000, or approximately $0.02 per fully diluted share, during the quarter ended Dec. 31, 2010, due to reductions in net deferred tax asset balances for which the related valuation allowance was no longer required. Carpenter noted that the net deferred tax asset valuation allowance account was $22.5 million at Dec. 31, 2010, and that further quarterly adjustments to the account were likely based on changes to the net deferred tax asset balance. Those adjustments, whether increases or decreases, will impact future fully diluted earnings per share as well as other comprehensive income (loss) until the current valuation allowance is eliminated.

WEBCAST AND CONFERENCE CALL INFORMATION

     Pinnacle will host a webcast and conference call at 8:30 a.m. (CST) on Wednesday, Jan. 19, 2011, to discuss fourth quarter 2010 results and other matters. To access the call for audio only, please call 1-877-602-7944. For the presentation and streaming audio, please access the webcast on the investor relations page of Pinnacle’s website at www.pnfp.com.

     For those unable to participate in the webcast, it will be archived on the investor relations page of Pinnacle’s website at www.pnfp.com for 90 days following the presentation.

     Pinnacle Financial Partners provides a full range of banking, investment, mortgage and insurance products and services designed for small- to mid-sized businesses and their owners, real estate professionals and individuals interested in a comprehensive relationship with their financial institution. Comprehensive wealth management services, such as financial planning and trust, help clients increase, protect and distribute their assets.

     The firm began operations in a single downtown Nashville location in Oct. 2000 and has since grown to over $4.91 billion in assets at Dec. 31, 2010. In 2007, Pinnacle launched an

expansion into Knoxville, Tennessee. At Dec. 31, 2010, Pinnacle is the second-largest bank holding company headquartered in Tennessee, with 31 offices in eight Middle Tennessee counties and three in Knoxville. The firm was also added to Standard & Poor’s SmallCap 600 index in 2009.

     Additional information concerning Pinnacle can be accessed at www.pnfp.com.

###

Certain of the statements in this release may constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. The words “expect,” “anticipate,” “goal,” “objective,” “intend,” “plan,” “believe,” “should,” “seek,” “estimate” and similar expressions are intended to identify such forward-looking statements, but other statements not based on historical information may also be considered forward-looking. All forward-looking statements are subject to risks, uncertainties and other factors that may cause the actual results, performance or achievements of Pinnacle Financial to differ materially from any results expressed or implied by such forward-looking statements. Such factors include, without limitation, (i) deterioration in the financial condition of borrowers resulting in significant increases in loan losses and provisions for those losses; (ii) continuation of the historically low short-term interest rate environment; (iii) the continued reduction of Pinnacle Financial’s loan balances, and conversely, the inability of Pinnacle Financial to ultimately grow its loan portfolio in the Nashville-Davidson-Murfreesboro-Franklin MSA and the Knoxville MSA; (iv) changes in loan underwriting, credit review or loss reserve policies associated with economic conditions, examination conclusions, or regulatory developments; (v) increased competition with other financial institutions; (vi) greater than anticipated deterioration or lack of sustained growth in the national or local economies including the Nashville-Davidson-Murfreesboro-Franklin MSA and the Knoxville MSA, particularly in commercial and residential real estate markets; (vii) rapid fluctuations or unanticipated changes in interest rates; (viii) the results of regulatory examinations; (ix) the development of any new market other than Nashville or Knoxville; (x) a merger or acquisition; (xi) any matter that would cause Pinnacle Financial to conclude that there was impairment of any asset, including intangible assets; (xii) the impact of governmental restrictions on entities participating in the Capital Purchase Program, of the U.S. Department of the Treasury (the “Treasury”); (xiii) further deterioration in the valuation of other real estate owned; (xiv) inability to comply with regulatory capital requirements and to secure any required regulatory approvals for capital actions; and (xv) changes in state and federal legislation, regulations or policies applicable to banks and other financial service providers, including regulatory or legislative developments arising out of current unsettled conditions in the economy, including implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; and (xvi) Pinnacle Financial recording a further valuation allowance related to its deferred tax asset. A more detailed description of these and other risks is contained in Pinnacle Financial’s most recent annual report on Form 10-K filed with the Securities and Exchange Commission on February 26, 2010 and most recent quarterly reports on Form 10-Q filed with the Securities and Exchange Commission on May 7, 2010, July 21, 2010, and October 20, 2010. Many of such factors are beyond Pinnacle Financial’s ability to control or predict, and readers are cautioned not to put undue reliance on such forward-looking statements. Pinnacle Financial disclaims any obligation to update or revise any forward-looking statements contained in this release, whether as a result of new information, future events or otherwise.

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS — UNAUDITED

		December 31, 2010				December 31, 2009
ASSETS
Cash and noninterest-bearing due from banks		$	40,154,247			$	55,651,737
Interest-bearing due from banks			140,647,481				19,338,499
Federal funds sold and other			7,284,685				41,611,838
Short-term discount notes			499,768				50,000,000
Cash and cash equivalents			188,586,181				166,602,074
Securities available-for-sale, at fair value			1,014,316,831				931,012,091
Securities held-to-maturity (fair value of $4,411,856 and $6,737,336 at December 31, 2010 and December 31, 2009, respectively)			4,320,486				6,542,496
Mortgage loans held-for-sale			16,206,034				12,440,984
Loans			3,212,440,190				3,563,381,741
Less allowance for loan losses			(82,575,235	)			(91,958,789	)
Loans, net			3,129,864,955				3,471,422,952
Premises and equipment, net			82,374,228				80,650,936
Other investments			42,282,255				40,138,660
Accrued interest receivable			16,364,573				19,083,468
Goodwill			244,090,311				244,107,086
Core deposit and other intangible assets			10,705,105				13,686,091
Other real estate owned			59,608,224				29,603,439
Other assets			100,284,697				113,520,727
Total assets		$	4,909,003,880			$	5,128,811,004
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits:
Noninterest-bearing		$	586,516,637			$	498,087,015
Interest-bearing			573,670,188				483,273,551
Savings and money market accounts			1,596,306,386				1,198,012,445
Time			1,076,564,179				1,644,226,290
Total deposits			3,833,057,390				3,823,599,301
Securities sold under agreements to repurchase			146,294,379				275,465,096
Federal Home Loan Bank advances			121,393,026				212,654,782
Subordinated debt			97,476,000				97,476,000
Accrued interest payable			5,197,925				6,555,801
Other liabilities			28,127,875				12,039,843
Total liabilities			4,231,546,595				4,427,790,823
Stockholders’ equity:
Preferred stock, no par value; 10,000,000 shares authorized; 95,000 shares issued and outstanding at December 31, 2010 and December 31, 2009			90,788,682				89,462,633
Common stock, par value $1.00; 90,000,000 shares authorized; 33,870,380 issued and outstanding at December 31, 2010 and 33,029,719 issued and outstanding at December 31, 2009			33,870,380				33,029,719
Common stock warrants			3,348,402				3,348,402
Additional paid-in capital			530,829,019				524,366,603
Retained earnings			12,996,202				43,372,743
Accumulated other comprehensive income, net of taxes			5,624,600				7,440,081
Stockholders’ equity			677,457,285				701,020,181
Total liabilities and stockholders’ equity		$	4,909,003,880			$	5,128,811,004

This information is preliminary and based on company data available at the time of the presentation.

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF OPERATIONS — UNAUDITED

		Three Months Ended								Twelve Months Ended
		December 31								December 31
		2010				2009				2010				2009
Interest income:
Loans, including fees		$	40,397,612			$	42,452,503			$	162,901,763			$	162,271,036
Securities:
Taxable			6,156,080				8,968,012				30,306,189				35,056,848
Tax-exempt			1,937,747				1,798,206				7,916,596				6,540,653
Federal funds sold and other			587,882				509,074				2,223,816				1,847,661
Total interest income			49,079,321				53,727,795				203,348,364				205,716,198
Interest expense:
Deposits			11,161,716				13,875,334				49,856,815				63,128,940
Securities sold under agreements to repurchase			397,890				541,710				1,749,905				1,689,073
Federal Home Loan Bank advances and other borrowings			1,463,466				2,279,986				7,368,258				10,106,922
Total interest expense			13,023,072				16,697,030				58,974,978				74,924,935
Net interest income			36,056,249				37,030,765				144,373,386				130,791,263
Provision for loan losses			5,171,527				15,694,281				53,695,454				116,758,231
Net interest income after provision for loan losses			30,884,722				21,336,484				90,677,932				14,033,032
Noninterest income:
Service charges on deposit accounts			2,352,955				2,595,064				9,591,543				10,199,838
Investment services			1,264,038				1,136,657				5,050,105				4,181,101
Insurance sales commissions			906,947				894,990				3,864,340				4,025,839
Gain on loans and loan participations sold, net			1,351,680				1,107,875				4,085,657				4,928,542
Net gain on sale of investment securities			—				—				2,623,674				6,462,241
Trust fees			495,308				705,906				2,872,490				2,590,997
Other noninterest income			2,295,083				1,736,093				8,227,237				7,263,068
Total noninterest income			8,666,011				8,176,585				36,315,046				39,651,626
Noninterest expense:
Salaries and employee benefits			15,707,984				15,037,236				64,628,991				56,709,814
Equipment and occupancy			4,987,900				5,064,152				21,077,223				18,056,080
Other real estate owned			7,874,492				8,392,630				29,210,197				14,257,005
Marketing and other business development			937,404				1,116,173				3,233,224				2,533,953
Postage and supplies			467,485				754,651				2,538,021				2,929,447
Amortization of intangibles			744,492				773,760				2,980,986				3,185,111
Other noninterest expense			5,731,763				4,309,075				23,214,670				20,906,040
Total noninterest expense			36,451,520				35,447,677				146,883,312				118,577,450
Income (loss) before income taxes			3,099,213				(5,934,608	)			(19,890,334	)			(64,892,792	)
Income tax expense (benefit)			(696,576	)			(3,467,354	)			4,410,158				(29,392,825	)
Net Income (loss)			3,795,789				(2,467,254	)			(24,300,492	)			(35,499,967	)
Preferred dividends			1,213,889				1,213,889				4,815,972				4,815,972
Accretion on preferred stock discount			333,554				294,927				1,326,050				1,113,986
Net income (loss) available to common stockholders		$	2,248,346			$	(3,976,070	)		$	(30,442,514	)		$	(41,429,925	)
Per share information:
Basic net income (loss) per common share available to common stockholders		$	0.07			$	(0.12	)		$	(0.93	)		$	(1.46	)
Diluted net income (loss) per common share available to common stockholders		$	0.07			$	(0.12	)		$	(0.93	)		$	(1.46	)
Weighted average shares outstanding:
Basic			33,062,533				32,502,101				32,789,871				28,395,618
Diluted			33,670,890				32,502,101				32,789,871				28,395,618

This information is preliminary and based on company data available at the time of the presentation.

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
ANALYSIS OF INTEREST INCOME AND EXPENSE, RATES AND YIELDS-UNAUDITED

		Three months ended												Three months ended
(dollars in thousands)		December 31, 2010												December 31, 2009
		Average												Average
		Balances				Interest				Rates/ Yields				Balances				Interest				Rates/ Yields
Interest-earning assets:
Loans (1)		$	3,217,738			$	40,398				4.99	%		$	3,580,790			$	42,453				4.71	%
Securities:
Taxable			788,138				6,156				3.10	%			799,558				8,968				4.45	%
Tax-exempt (2)			205,098				1,938				4.94	%			185,335				1,798				5.08	%
Federal funds sold and other			230,698				588				1.08	%			124,664				509				1.78	%
Total interest-earning assets			4,441,672			$	49,079				4.45	%			4,690,347			$	53,728				4.60	%
Nonearning assets
Intangible assets			255,268												258,266
Other nonearning assets			240,241												195,219
Total assets		$	4,937,181											$	5,143,832
Interest-bearing liabilities:
Interest-bearing deposits:
Interest checking		$	533,191			$	898				0.67	%		$	371,932			$	579				0.62	%
Savings and money market			1,536,169				4,687				1.21	%			1,125,208				3,726				1.31	%
Time			1,169,606				5,577				1.89	%			1,772,244				9,570				2.14	%
Total interest-bearing deposits			3,238,966				11,162				1.37	%			3,269,384				13,875				1.68	%
Securities sold under agreements to repurchase			194,283				398				0.81	%			303,801				542				0.71	%
Federal Home Loan Bank advances and other borrowings			121,414				796				2.60	%			229,734				1,450				2.50	%
Subordinated debt			97,476				667				2.72	%			97,476				830				3.38	%
Total interest-bearing liabilities			3,652,139				13,023				1.41	%			3,900,395				16,697				1.70	%
Noninterest-bearing deposits			575,606				—				—				517,296				—				—
Total deposits and interest-bearing liabilities			4,227,745			$	13,023				1.22	%			4,417,691			$	16,697				1.50	%
Other liabilities			19,460												11,400
Stockholders’ equity			689,976												714,741
Total liabilities and stockholders’ equity		$	4,937,181											$	5,143,832
Net interest income						$	36,056											$	37,031
Net interest spread (3)											3.04	%											2.90	%
Net interest margin (4)											3.29	%											3.19	%

This information is preliminary and based on company data available at the time of the presentation.

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
ANALYSIS OF INTEREST INCOME AND EXPENSE, RATES AND YIELDS-UNAUDITED

		Twelve months ended												Twelve months ended
(dollars in thousands)		December 31, 2010												December 31, 2009
		Average												Average
		Balances				Interest				Rates/ Yields				Balances				Interest				Rates/ Yields
Interest-earning assets:
Loans (1)		$	3,362,024			$	162,902				4.85	%		$	3,525,033			$	162,271				4.61	%
Securities:
Taxable			780,643				30,306				3.88	%			754,623				35,057				4.65	%
Tax-exempt (2)			205,029				7,917				5.09	%			165,702				6,541				5.21	%
Federal funds sold and other			188,091				2,224				1.27	%			93,212				1,848				2.16	%
Total interest-earning assets			4,535,787			$	203,348				4.55	%			4,538,570			$	205,717				4.58	%
Nonearning assets
Intangible assets			256,379												259,483
Other nonearning assets			221,730												213,681
Total assets		$	5,013,896											$	5,011,734
Interest-bearing liabilities:
Interest-bearing deposits:
Interest checking		$	520,351			$	3,491				0.67	%		$	359,774			$	1,983				0.55	%
Savings and money market			1,368,659				18,310				1.34	%			884,173				11,049				1.25	%
Time			1,419,358				28,056				1.98	%			2,022,196				50,097				2.48	%
Total interest-bearing deposits			3,308,368				49,857				1.51	%			3,266,143				63,129				1.93	%
Securities sold under agreements to repurchase			222,179				1,750				0.79	%			250,435				1,689				0.67	%
Federal Home Loan Bank advances and other borrowings			143,372				4,044				2.82	%			247,992				6,106				2.46	%
Subordinated debt			97,476				3,324				3.41	%			97,476				4,001				4.10	%
Total interest-bearing liabilities			3,771,395				58,975				1.56	%			3,862,046				74,925				1.94	%
Noninterest-bearing deposits			527,673				—				—				463,683				—				—
Total deposits and interest-bearing liabilities			4,299,068			$	58,975				1.37	%			4,325,729			$	74,925				1.73	%
Other liabilities			17,842												6,968
Stockholders’ equity			696,986												679,037
		$	5,013,896											$	5,011,734
Net interest income						$	144,373											$	130,792
Net interest spread (3)											2.99	%											2.64	%
Net interest margin (4)											3.25	%											2.93	%

This information is preliminary and based on company data available at the time of the presentation.

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
SELECTED QUARTERLY FINANCIAL DATA — UNAUDITED

		December				September				June				March				December				September
(dollars in thousands)		2010				2010				2010				2010				2009				2009
Balance sheet data, at quarter end:
Total assets		$	4,909,004				4,961,603				4,958,478				5,021,689				5,128,811				5,094,710
Total loans			3,212,440				3,251,923				3,333,900				3,479,536				3,563,382				3,607,886
Allowance for loan losses			(82,575	)			(84,550	)			(87,107	)			(90,062	)			(91,959	)			(82,981	)
Securities			1,018,637				968,532				907,296				989,325				937,555				932,440
Noninterest-bearing deposits			586,517				581,181				529,867				522,928				498,087				504,481
Total deposits			3,833,057				3,825,634				3,853,400				3,836,362				3,823,599				3,819,909
Securities sold under agreements to repurchase			146,294				191,392				159,490				200,489				275,465				215,674
FHLB advances and other borrowings			121,393				121,435				131,477				157,319				212,655				222,986
Subordinated debt			97,476				97,476				97,476				97,476				97,476				97,476
Total stockholders’ equity			677,457				686,529				681,915				700,261				701,020				710,091
Balance sheet data, quarterly averages:
Total assets		$	4,937,181				5,001,373				4,996,448				5,122,773				5,143,832				5,028,855
Total loans			3,217,738				3,295,531				3,418,928				3,520,012				3,580,790				3,583,182
Securities			993,236				954,869				962,401				1,032,957				984,893				918,628
Total earning assets			4,441,672				4,519,956				4,527,471				4,651,695				4,690,347				4,576,473
Noninterest-bearing deposits			575,606				534,171				504,354				495,610				517,296				462,783
Total deposits			3,814,572				3,859,124				3,816,973				3,853,671				3,786,680				3,746,566
Securities sold under agreements to repurchase			194,283				210,037				210,798				274,614				303,801				223,737
FHLB advances and other borrowings			121,414				126,130				147,491				179,280				229,734				236,660
Subordinated debt			97,476				97,476				97,476				97,476				97,476				97,476
Total stockholders’ equity			689,976				686,898				704,186				707,210				714,741				715,844
Statement of operations data, for the three months ended:
Interest income		$	49,079				50,650				50,929				52,690				53,728				52,442
Interest expense			13,023				14,590				15,231				16,130				16,697				17,894
Net interest income			36,056				36,060				35,697				36,560				37,031				34,548
Provision for loan losses			5,172				4,789				30,509				13,226				15,694				22,134
Net interest income after provision for loan losses			30,884				31,271				5,189				23,334				21,336				12,414
Noninterest income			8,666				8,594				10,569				8,486				8,177				7,737
Noninterest expense			36,452				37,774				36,491				36,167				35,448				27,281
Income (loss) before taxes			3,098				2,091				(20,734	)			(4,347	)			(5,935	)			(7,130	)
Income tax expense (benefit)			(697	)			—				5,630				(525	)			(3,467	)			(3,782	)
Preferred dividends and accretion			1,547				1,542				1,507				1,545				1,509				1,504
Net income (loss) available to common stockholders		$	2,248				549				(27,871	)			(5,368	)			(3,977	)			(4,852	)
Profitability and other ratios:
Return on avg. assets (1)			0.18	%			0.04	%			(2.24	%)			(0.42	%)			(0.31	%)			(0.38	%)
Return on avg. equity (1)			1.29	%			0.32	%			(15.88	%)			(3.08	%)			(2.21	%)			(2.69	%)
Net interest margin (1) (2)			3.29	%			3.23	%			3.23	%			3.25	%			3.19	%			3.05	%
Noninterest income to total revenue (3)			19.38	%			19.25	%			22.84	%			18.84	%			18.09	%			18.30	%
Noninterest income to avg. assets (1)			0.70	%			0.68	%			0.85	%			0.67	%			0.63	%			0.61	%
Noninterest exp. to avg. assets (1)			2.93	%			3.00	%			2.93	%			2.86	%			2.73	%			2.15	%
Efficiency ratio (4)			81.51	%			84.59	%			78.87	%			80.29	%			78.41	%			64.52	%
Avg. loans to average deposits			84.35	%			85.40	%			89.57	%			91.34	%			94.56	%			95.64	%
Securities to total assets			20.75	%			19.52	%			18.30	%			19.70	%			18.28	%			18.30	%
Average interest-earning assets to average interest-bearing liabilities			121.62	%			120.26	%			120.14	%			118.99	%			120.25	%			119.13	%
Brokered time deposits to total deposits (15)			0.03	%			1.80	%			3.70	%			5.40	%			8.67	%			11.50	%

This information is preliminary and based on company data available at the time of the presentation.

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
SELECTED QUARTERLY FINANCIAL DATA — UNAUDITED

		December				September				June				March				December				September
(dollars in thousands)		2010				2010				2010				2010				2009				2009
Asset quality information and ratios:
Nonperforming assets:
Nonaccrual loans		$	80,863				103,127				118,331				131,381				124,709				121,726
Other real estate (ORE)			59,608				48,710				42,616				24,704				29,603				22,769
Total nonperforming assets		$	140,471				151,837				160,947				156,085				154,312				144,495
Past due loans over 90 days and still accruing interest		$	138				3,639				3,116				395				181				65
Restructured accruing loans			20,468				13,468				10,861				9,534				26,978				12,827
Net loan charge-offs		$	7,146				7,346				33,463				15,123				6,718				5,228
Allowance for loan losses to nonaccrual loans			102.1	%			82.0	%			73.6	%			68.5	%			73.7	%			68.2	%
As a percentage of total loans:
Past due accruing loans over 30 days			0.30	%			0.67	%			0.66	%			1.54	%			0.46	%			0.86	%
Potential problem loans (5)			6.95	%			8.23	%			9.30	%			8.63	%			7.18	%			7.24	%
Allowance for loan losses			2.57	%			2.60	%			2.61	%			2.59	%			2.58	%			2.30	%
Nonperforming assets to total loans and ORE			4.29	%			4.60	%			4.77	%			4.45	%			4.29	%			3.98	%
Nonperforming assets to total assets			2.86	%			3.06	%			3.25	%			3.11	%			3.01	%			2.84	%
Annualized net loan charge-offs year-to-date to avg. loans (6)			1.96	%			2.26	%			2.84	%			1.74	%			1.71	%			2.04	%
Avg. commercial loan internal risk ratings (5)			4.8				4.9				4.9				4.9				4.8				4.7
Interest rates and yields:
Loans			4.99	%			4.96	%			4.74	%			4.74	%			4.71	%			4.61	%
Securities			3.48	%			3.97	%			4.45	%			4.63	%			4.57	%			4.69	%
Total earning assets			4.45	%			4.51	%			4.58	%			4.66	%			4.60	%			4.60	%
Total deposits, including non-interest bearing			1.16	%			1.27	%			1.43	%			1.42	%			1.45	%			1.60	%
Securities sold under agreements to repurchase			0.81	%			0.82	%			0.69	%			0.82	%			0.71	%			0.64	%
FHLB advances and other borrowings			2.60	%			2.90	%			2.88	%			2.87	%			2.50	%			2.48	%
Subordinated debt			2.72	%			3.78	%			3.63	%			3.52	%			3.38	%			3.86	%
Total deposits and interest-bearing liabilities			1.22	%			1.35	%			1.43	%			1.49	%			1.50	%			1.65	%
Capital ratios (7):
Stockholders’ equity to total assets			13.8	%			13.8	%			13.8	%			13.9	%			13.7	%			13.9	%
Leverage			10.6	%			10.5	%			10.4	%			10.6	%			10.7	%			10.9	%
Tier one risk-based			13.6	%			13.5	%			13.1	%			13.4	%			13.1	%			13.1	%
Total risk-based			15.2	%			15.1	%			14.8	%			15.0	%			14.8	%			14.7	%
Tangible common equity to tangible assets			7.1	%			7.2	%			7.1	%			7.4	%			7.3	%			7.5	%
Tangible common equity to risk weighted assets			9.1	%			9.3	%			9.0	%			9.1	%			8.9	%			9.1	%

This information is preliminary and based on company data available at the time of the presentation.

PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES
SELECTED QUARTERLY FINANCIAL DATA — UNAUDITED

		December				September				June				March				December				September
(dollars in thousands, except per share data)		2010				2010				2010				2010				2009				2009
Per share data:
Earnings (loss) — basic		$	0.07				0.02				(0.85	)			(0.16	)			(0.12	)			(0.15	)
Earnings (loss) — diluted		$	0.07				0.02				(0.85	)			(0.16	)			(0.12	)			(0.15	)
Book value per common share at quarter end (8)		$	17.22				17.61				17.61				18.20				18.41				18.74
Weighted avg. common shares — basic			33,062,533				32,857,428				32,675,221				32,558,016				32,502,101				32,460,614
Weighted avg. common shares — diluted			33,670,890				33,576,963				32,675,221				32,558,016				32,502,101				32,460,614
Common shares outstanding			33,870,380				33,660,462				33,421,741				33,351,118				33,029,719				32,956,737
Investor information:
Closing sales price		$	13.58				9.19				12.85				15.11				14.22				12.71
High closing sales price during quarter		$	13.74				14.33				18.93				16.88				14.47				17.03
Low closing sales price during quarter		$	9.27				8.51				11.81				13.10				11.45				12.15
Other information:
Gains on sale of loans and loan participations sold:
Mortgage loan sales:
Gross loans sold		$	143,793				137,094				92,144				72,196				120,760				114,049
Gross fees (9)		$	2,610				2,503				1,669				1,157				1,942				1,910
Gross fees as a percentage of mortgage loans originated			1.81	%			1.83	%			1.81	%			1.60	%			1.61	%			1.67	%
Gains on sales of investment securities, net		$	—				—				2,259				365				—				—
Brokerage account assets, at quarter-end (10)		$	1,038,000				966,000				921,000				974,000				933,000				898,000
Trust account assets, at quarter-end		$	693,000				647,000				627,000				648,000				635,000				607,000
Floating rate loans as a percentage of total loans (11)			36.9	%			37.9	%			37.8	%			38.9	%			38.0	%			38.0	%
Balance of commercial loan participations sold to other banks and serviced by Pinnacle, at quarter end		$	55,632				57,964				66,503				78,529				81,630				92,837
Core deposits (12)		$	3,115,428				2,925,673				2,781,748				2,676,016				2,586,685				2,242,245
Core deposits to total funding (12)			74.3	%			69.0	%			65.2	%			62.4	%			58.7	%			51.5	%
Risk-weighted assets		$	3,639,095				3,679,436				3,748,498				3,878,884				3,970,193				4,000,359
Total assets per full-time equivalent employee		$	6,384				6,349				6,229				6,389				6,601				6,634
Annualized revenues per full-time equivalent employee			230.4				235.0				233.1				232.4				234.0				221.4
Number of employees (full-time equivalent)			769.0				781.0				796.0				786.0				777.0				768.0
Associate retention rate (13)			93.5	%			95.2	%			97.3	%			96.6	%			95.5	%			94.2	%
Selected economic information (in thousands) (14):
Nashville MSA nonfarm employment			723.2				717.9				712.0				713.7				724.7				728.3
Knoxville MSA nonfarm employment			325.0				323.8				320.1				317.2				322.1				323.2
Nashville MSA unemployment			8.5	%			8.4	%			9.0	%			9.5	%			9.4	%			9.2	%
Knoxville MSA unemployment			7.5	%			7.8	%			8.1	%			8.8	%			8.7	%			8.6	%
Nashville residential median home price		$	171.0				178.0				171.3				159.4				160.8				163.7
Nashville inventory of residential homes for sale			13.3				14.9				14.9				14.1				13.3				14.7