FDIC Certificate #: 11256 Status: Active Federal Reserve ID: 3284780 Bank Holding Company (Regulatory Top Holder): Pinnacle Bancshares, Inc. (RSSDID: 3451416, Location: Rogers, AR) Date Established: October 31, 1903 WWW:http://www.pinnaclebk.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15413 FDIC's unique #: 7184 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 31, 2007 Last Structure Change Process Date: July 31, 2007 Last Data Update: July 31, 2007 Data Source Date: April 05, 2012
Location
Address: 4201 W New Hope Rd, Rogers, AR 72758 County: Benton Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Little Rock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Fayetteville-Springdale-Rogers, AR (#2580) Core Based Statistical Area (CBSA): Fayetteville-Springdale-Rogers, AR-MO (#22220) CBSA Metro Statistical Area: Fayetteville-Springdale-Rogers, AR-MO (#22220)
History of Changes
Change in Location
Financial Summary
Total assets: $89.5 mil Equity capital: $10.3 mil Deposits held in domestic offices: $67.1 mil Return on assets (ROA): 0.03% ($0.0 mil) Quarterly return on assets: -0.70% (-$0.6 mil) Return on Equity (ROE): 0.24% ($0.0 mil) Quarterly return on equity: -6.04% (-$0.6 mil) Net income: $0.0 mil Quarterly Net income: -$0.2 mil Pretax return on assets: 0.03% ($26.9 mil) Quarterly Pretax return on assets: -0.70% (-$626.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
12Total employees (full-time equivalent)
$89,514Total assets
$499Cash and due from depository institutions
$90Interest-bearing balances
$13,253Securities
$1,074Federal funds sold & reverse repurchase agreements
$57,580Net loans & leases
$2,172Loan loss allowance
$0Trading account assets
$178Bank premises and fixed assets
$14,948Other real estate owned
$200Goodwill and other intangibles
$89,514Life insurance assets
$1,782All other assets
$79,198Total liabilities and capital
$67,142Total liabilities
$65,991Total deposits
$67,142Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$9,687Trading liabilities
$2,000Other borrowed funds
$369Subordinated debt
$10,316All other liabilities
$10,316Total equity capital
$10,316Total bank equity capital
$0Perpetual preferred stock
$2Common stock
$18,146Surplus
$-7,832Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$285Long-term assets (5+ years)
$71,997Average Assets, year-to-date
$12,554Average Assets, quarterly
$92,715Volatile liabilities
$90,701Insider loans
$71,899FHLB advances
$89,980Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,008Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,072Restructured Loans and leases
$3,070Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,582Total interest income
$1,410Total interest expense
$2,172Net interest income
$175Provision for loan and lease losses
-$143Total noninterest income
$0Fiduciary activities
$8Service charges on deposit accounts
$0Trading account gains & fees
-$151Additional noninterest income
$2,253Total noninterest expense
$753Salaries and employee benefits
$497Premises and equipment expense
$1,003Additional noninterest expense
-$399Pre-tax net operating income
$423Securities gains (losses)
$0Applicable income taxes
$24Income before extraordinary items
$0Extraordinary gains - net
$24Net income attributable to bank
$0Net charge-offs
$24Cash dividends
$1,119Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.54%Yield on earning assets
1.79%Cost of funding earning assets
2.75%Net interest margin
-0.18%Noninterest income to earning assets
2.86%Noninterest expense to earning assets
-0.43%Net operating income to assets
0.03%Return on assets (ROA)
0.03%Pretax return on assets
0.24%Return on equity (ROE)
0.24%Retained earnings to average equity (YTD only)
1.80%Net charge-offs to loans
15.64%Credit loss provision to net charge-offs
-0.20%Efficiency ratio
111,040Assets per employee
7.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.64%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
16.70%Noncurrent loans to loans
0.00%Net loans and leases to deposits
85.76%Net loans and leases to core deposits
96.61%Equity capital to assets
11.52%Core capital (leverage) ratio
11.12%Tier 1 risk-based capital ratio
13.92%Total risk-based capital ratio
Memoranda
$18Average assets
$92,715Average earning assets
$10,133Average equity
$78,869Average loans
List of branches
1 Arkansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7184
Pinnacle Bank
4201 W New Hope Rd, Rogers, AR 72758
October 31, 1903
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Pinnacle Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: