Pinnacle Bank in Little Rock, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 28, 2002

  • Pinnacle Bank in Little Rock, Arkansas (AR)
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Pinnacle Bank - Overview

  • General
  • FDIC Certificate #: 34408
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BancorpSouth Bank (#11813)
    Federal Reserve ID: 2503569
    Date Established: January 27, 1997
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 57171
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 27, 1997
    Last Structure Change Effective Date: Febuary 28, 2002
    Last Structure Change Process Date: March 12, 2002
    Last Data Update: March 12, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 2610 Cantrell Road, Little Rock, AR 72203
    County: Pulaski
    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): Little Rock-North Little Rock, AR (#4400)
    Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340)
    Core Based Statistical Area (CBSA): Little Rock-North Little Rock-Conway, AR (#30780)
    CBSA Metro Statistical Area: Little Rock-North Little Rock-Conway, AR (#30780)
  • Financial Summary
  • Total assets: $135.1 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, 2001)

  • Dollar figures in thousands
  • 29Total employees (full-time equivalent)
  • $135,120Total assets
  • $5,073Cash and due from depository institutions
  • $34Interest-bearing balances
  • $3,498Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $121,576Net loans & leases
  • $1,228Loan loss allowance
  • $0Trading account assets
  • $2,130Bank premises and fixed assets
  • $96Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,747All other assets
  • $135,120Total liabilities and capital
  • $125,931Total liabilities
  • $101,778Total deposits
  • $91,141Interest-bearing deposits
  • $101,778Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,121Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $19,500Other borrowed funds
  • $0Subordinated debt
  • $532All other liabilities
  • $9,189Total equity capital
  • $9,189Total bank equity capital
  • $9,189Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $6,661Undivided profits
  • Memoranda
  • $2,328Noncurrent loans and leases
  • $7,285Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $141Earning assets
  • $0Long-term assets (5+ years)
  • $1,059Average Assets, year-to-date
  • $125,108Average Assets, quarterly
  • $4,549Volatile liabilities
  • $124,560Insider loans
  • $131,488FHLB advances
  • $39,934Loans and leases held for sale
  • $1,900Unused loan commitments
  • $19,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,927Total risk weighted assets
  • $7,285Total unused commitments
  • $0Restructured Loans and leases
  • $1,228Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $10,462Total interest income
  • $4,890Total interest expense
  • $5,572Net interest income
  • $275Provision for loan and lease losses
  • $481Total noninterest income
  • $0Fiduciary activities
  • $308Service charges on deposit accounts
  • $0Trading account gains & fees
  • $173Additional noninterest income
  • $3,473Total noninterest expense
  • $2,315Salaries and employee benefits
  • $355Premises and equipment expense
  • $803Additional noninterest expense
  • $2,305Pre-tax net operating income
  • $0Securities gains (losses)
  • $847Applicable income taxes
  • $1,458Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,458Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $126Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.91%Yield on earning assets
  • 4.17%Cost of funding earning assets
  • 4.75%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.85%Pretax return on assets
  • 17.42%Return on equity (ROE)
  • 17.42%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 218.25%Credit loss provision to net charge-offs
  • 20.48%Efficiency ratio
  • 57,377Assets per employee
  • 4.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 870.92%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 119.45%Net loans and leases to core deposits
  • 151.09%Equity capital to assets
  • 6.80%Core capital (leverage) ratio
  • 7.05%Tier 1 risk-based capital ratio
  • 8.15%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $124,560Average earning assets
  • $8,369Average equity
  • $117,390Average loans

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