Pinnacle Bank in Neligh, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 27, 2000

Pinnacle Bank in Neligh, Nebraska (NE)
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Pinnacle Bank - Overview

General
FDIC Certificate #: 5446
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Pinnacle Bank (#10634)
Federal Reserve ID: 116956
Date Established: March 15, 1930
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Interstate: No)
OTS Docket #: 13595
FDIC's unique #: 3686
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 01, 1934
Last Structure Change Effective Date: May 27, 2000
Last Structure Change Process Date: June 01, 2000
Last Data Update: June 01, 2000
Data Source Date: April 05, 2012
Location
Address: 324 Main Street, Neligh, NE 68756
County: Antelope
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Sioux City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Financial Summary
Total assets: $118.3 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
32Total employees (full-time equivalent)
$122,807Total assets
$5,042Cash and due from depository institutions
$16Interest-bearing balances
$40,923Securities
$0Federal funds sold & reverse repurchase agreements
$73,530Net loans & leases
$1,867Loan loss allowance
$0Trading account assets
$326Bank premises and fixed assets
$7Other real estate owned
$465Goodwill and other intangibles
$0Life insurance assets
$2,514All other assets
$122,807Total liabilities and capital
$113,456Total liabilities
$106,345Total deposits
$90,729Interest-bearing deposits
$106,345Deposits held in domestic offices
0.00%% insured (estimated)
$3,261Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,195Other borrowed funds
$0Subordinated debt
$2,655All other liabilities
$9,351Total equity capital
$9,351Total bank equity capital
$9,351Perpetual preferred stock
$600Common stock
$1,176Surplus
$3,351Undivided profits
Memoranda
$4,224Noncurrent loans and leases
$12,620Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,124Earning assets
$0Long-term assets (5+ years)
$1,605Average Assets, year-to-date
$114,469Average Assets, quarterly
$20,695Volatile liabilities
$121,246Insider loans
$124,523FHLB advances
$8,524Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,620Total unused commitments
$0Restructured Loans and leases
$1,092Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$8,815Total interest income
$3,902Total interest expense
$4,913Net interest income
$0Provision for loan and lease losses
$634Total noninterest income
$3Fiduciary activities
$457Service charges on deposit accounts
$0Trading account gains & fees
$174Additional noninterest income
$2,557Total noninterest expense
$1,294Salaries and employee benefits
$191Premises and equipment expense
$1,072Additional noninterest expense
$2,990Pre-tax net operating income
$0Securities gains (losses)
$943Applicable income taxes
$2,047Income before extraordinary items
$0Extraordinary gains - net
$2,047Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1Sale, conversion, retirement of capital stock, net
$2,906Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.71%Yield on earning assets
3.41%Cost of funding earning assets
4.30%Net interest margin
0.55%Noninterest income to earning assets
2.24%Noninterest expense to earning assets
1.69%Net operating income to assets
1.69%Return on assets (ROA)
2.47%Pretax return on assets
19.08%Return on equity (ROE)
-8.01%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
2990.00%Efficiency ratio
44,384Assets per employee
3.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
141.96%Loss allowance to loans
2.48%Loss allowance to noncurrent loans
166.10%Noncurrent assets plus other real estate owned to assets
0.92%Noncurrent loans to loans
1.49%Net loans and leases to deposits
69.14%Net loans and leases to core deposits
72.74%Equity capital to assets
7.61%Core capital (leverage) ratio
7.59%Tier 1 risk-based capital ratio
10.80%Total risk-based capital ratio
Memoranda
$12Average assets
$121,246Average earning assets
$10,728Average equity
$114,278Average loans

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