Pinnacle Bank in Lincoln, Nebraska (NE), KS, MO
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Pinnacle Bank in Lincoln, Nebraska (NE), KS, MO
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Pinnacle Bank - Overview

  • General
  • FDIC Certificate #: 10634
    Status: Active
    Federal Reserve ID: 913856
    Bank Holding Company (Regulatory Top Holder): Pinnacle Bancorp, Inc. (RSSDID: 1053272, Location: Central City, NE)
    Date Established: January 01, 1880
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 60 (Domestic: 60, Interstate: Yes)
    OTS Docket #: 10450
    FDIC's unique #: 6817
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 01, 2010
    Last Structure Change Process Date: December 10, 2010
    Last Data Update: December 10, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1401 N Street, Lincoln, NE 68508
    County: Lancaster
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Lincoln, NE (#4360)
    Core Based Statistical Area (CBSA): Lincoln, NE (#30700)
    CBSA Metro Statistical Area: Lincoln, NE (#30700)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $3,171.2 mil
    Equity capital: $322.8 mil
    Deposits held in domestic offices: $2,710.9 mil
    Return on assets (ROA): 1.88% ($59.6 mil)
    Quarterly return on assets: 2.11% ($66.9 mil)
    Return on Equity (ROE): 19.07% ($61.6 mil)
    Quarterly return on equity: 20.65% ($66.7 mil)
    Net income: $57.4 mil
    Quarterly Net income: $16.5 mil
    Pretax return on assets: 1.92% ($60,887.8 mil)
    Quarterly Pretax return on assets: 2.15% ($68,181.6 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
  • 641Total employees (full-time equivalent)
  • $3,171,239Total assets
  • $87,682Cash and due from depository institutions
  • $1,402Interest-bearing balances
  • $788,124Securities
  • $79,551Federal funds sold & reverse repurchase agreements
  • $2,089,773Net loans & leases
  • $40,405Loan loss allowance
  • $0Trading account assets
  • $54,664Bank premises and fixed assets
  • $5,550Other real estate owned
  • $23,176Goodwill and other intangibles
  • $3,171,239Life insurance assets
  • $42,719All other assets
  • $2,848,458Total liabilities and capital
  • $2,710,931Total liabilities
  • $2,469,165Total deposits
  • $2,710,931Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 62128.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $59,552Trading liabilities
  • $0Other borrowed funds
  • $15,847Subordinated debt
  • $322,781All other liabilities
  • $322,781Total equity capital
  • $322,781Total bank equity capital
  • $0Perpetual preferred stock
  • $30,000Common stock
  • $67,450Surplus
  • $225,331Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $13,740Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $23,432Income earned, not collected on loans
  • $174Earning assets
  • $21,526Long-term assets (5+ years)
  • $2,958,850Average Assets, year-to-date
  • $304,106Average Assets, quarterly
  • $3,050,070Volatile liabilities
  • $3,119,603Insider loans
  • $2,311,101FHLB advances
  • $3,065,983Loans and leases held for sale
  • $59Unused loan commitments
  • $59Tier 1 (core) risk-based capital
  • $280,895Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $519,887Restructured Loans and leases
  • $15,928Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $137,408Total interest income
  • $23,253Total interest expense
  • $114,155Net interest income
  • $8,413Provision for loan and lease losses
  • $23,208Total noninterest income
  • $1,262Fiduciary activities
  • $9,614Service charges on deposit accounts
  • $0Trading account gains & fees
  • $12,332Additional noninterest income
  • $70,686Total noninterest expense
  • $36,882Salaries and employee benefits
  • $7,370Premises and equipment expense
  • $26,434Additional noninterest expense
  • $58,264Pre-tax net operating income
  • $396Securities gains (losses)
  • $1,263Applicable income taxes
  • $57,397Income before extraordinary items
  • $0Extraordinary gains - net
  • $57,397Net income attributable to bank
  • $0Net charge-offs
  • $57,397Cash dividends
  • $3,957Sale, conversion, retirement of capital stock, net
  • $24,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 3.99%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 2.47%Noninterest expense to earning assets
  • 1.87%Net operating income to assets
  • 1.88%Return on assets (ROA)
  • 1.92%Pretax return on assets
  • 19.07%Return on equity (ROE)
  • 11.09%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 212.61%Credit loss provision to net charge-offs
  • 16.85%Efficiency ratio
  • 50,868Assets per employee
  • 4.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.81%Loss allowance to loans
  • 1.90%Loss allowance to noncurrent loans
  • 172.44%Noncurrent assets plus other real estate owned to assets
  • 0.91%Noncurrent loans to loans
  • 1.10%Net loans and leases to deposits
  • 77.09%Net loans and leases to core deposits
  • 82.56%Equity capital to assets
  • 10.18%Core capital (leverage) ratio
  • 9.16%Tier 1 risk-based capital ratio
  • 12.15%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $3,050,070Average earning assets
  • $301,027Average equity
  • $2,862,405Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $283,713Managed Assets
  • 1Number of Accounts
  • $262,307Personal trust and agency accounts
  • $229,353Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $8,631Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $24,323Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 568Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $21,406Other retirement accounts
  • $6,838Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $129Fiduciary accounts held in foreign offices

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    553054Kansas-Abilene Branch401 North Spruce Street, Abilene, KS 67410January 01, 1887Full Service Brick and Mortar
    56203925North Branch1500 North Buckeye, Abilene, KS 67410May 03, 1976Limited Service Facility
    58187946Drive-In-walk-up Branch502 North Cedar Street, Abilene, KS 67410April 24, 1963Limited Service Facility
  • 1 Missouri Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    13240790Lake Lotawana Branch26500 E Colbern Road, Lake Lotawana, MO 64086May 15, 1995Full Service Brick and Mortar
  • 56 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06817Pinnacle Bank1401 N Street, Lincoln, NE 68508January 01, 1880Full Service Brick and Mortar
    2222806North Branch102 East Cary Street, Papillion, NE 68046July 30, 1974Full Service Brick and Mortar
    62228078401 West Dodge Road Branch8401 West Dodge Road, Omaha, NE 68114Febuary 19, 1996Full Service Brick and Mortar
    722280813131 W Dodge Rd Branch13131 W Dodge Road, Omaha, NE 68154Febuary 19, 1996Full Service Brick and Mortar
    822280910805 Q Street Branch10805 Q Street, Omaha, NE 68137July 17, 1996Full Service Brick and Mortar
    9222810Cornhusker Branch611 Pinnacle Drive, Papillion, NE 68046December 15, 1997Full Service Brick and Mortar
    1011938Gretna/Village Square Branch817 Village Square, Gretna, NE 68028March 28, 1959Full Service Brick and Mortar
    112228114251 South 144th Street Branch4251 South 144th Street, Omaha, NE 68137April 26, 1999Full Service Brick and Mortar
    143638Central City Branch320 G Street, Central City, NE 68826January 01, 1886Full Service Brick and Mortar
    1511993Palmer Branch912 Commercial Street, Palmer, NE 68864December 03, 1938Full Service Brick and Mortar
    163672Havelock Lincoln Branch6145 Havelock Avenue, Lincoln, NE 68507May 10, 1910Full Service Brick and Mortar
    17207672Pinetree Detached Teller's Facility7000 Adams Street, Lincoln, NE 68507June 23, 1975Full Service Brick and Mortar
    1813029Downtown Branch1200 Golden Gate Drive, Papillion, NE 68046August 31, 1964Full Service Brick and Mortar
    19207673Lincolnshire Branch1776 South 70th Street, Lincoln, NE 68506November 01, 1989Full Service Brick and Mortar
    20207674Edgewood Branch5651 South 59th St, Lincoln, NE 68510August 21, 1996Full Service Brick and Mortar
    21207675Pinelake Branch7001 South 27th St, Lincoln, NE 68512November 18, 1998Full Service Brick and Mortar
    225496Crete Branch143 East 13th Street, Crete, NE 68333January 01, 1897Full Service Brick and Mortar
    233686324 Main Street Branch324 Main Street, Neligh, NE 68756March 15, 1930Full Service Brick and Mortar
    24207696Drive-In Branch424 Main St, Neligh, NE 68756July 13, 1970Limited Service Facility
    2510683Verdigre Branch400 Main Street, Verdigre, NE 68783July 06, 1943Full Service Brick and Mortar
    263697Oneill Branch429 East Douglas, Oneill, NE 68763January 01, 1901Full Service Brick and Mortar
    288894201 East 2nd Street Branch201 East 2nd Street, Ogallala, NE 69153April 16, 1934Full Service Brick and Mortar
    293658Central Avenue Branch345 Central Avenue, Grant, NE 69140January 01, 1915Full Service Brick and Mortar
    303708Columbus Branch2661 33rd Avenue, Columbus, NE 68601January 01, 1886Full Service Brick and Mortar
    31207753Shelby Branch215 North Walnut, Shelby, NE 68662September 27, 1999Full Service Brick and Mortar
    323699350 North State Street Branch350 North State Street, Osceola, NE 68651January 01, 1902Full Service Brick and Mortar
    33207677Parkway Branch3939 South Street, Lincoln, NE 68506December 09, 1975Full Service Brick and Mortar
    348791Pinnacle Bank-Aurora Branch1234 L Street, Aurora, NE 68818January 01, 1909Full Service Brick and Mortar
    35230895Detached Teller Facility1119 16th Street, Aurora, NE 68818July 01, 1981Limited Service Facility
    368883Pinnacle Bank-Schuyler Branch301 East 11th Street, Schuyler, NE 68661March 07, 1874Full Service Brick and Mortar
    37231200Detached Tellers' Facility1605 Denver Street, Schuyler, NE 68661August 16, 1979Limited Service Facility
    388385Pinnacle Bank-Lexington Branch410 North Washington Street, Lexington, NE 68850September 26, 1916Full Service Brick and Mortar
    396814Arnold Branch122 South Walnut, Arnold, NE 69120January 01, 1909Full Service Brick and Mortar
    40229399Lexington Branch206 East 6th Street, Lexington, NE 68850Febuary 13, 1991Limited Service Facility
    413725Pinnacle Bank, National Association Branch1001 Avenue E, Wisner, NE 68791January 01, 1881Full Service Brick and Mortar
    423678South Main Branch108 South Main Street, Madison, NE 68748August 08, 1906Full Service Brick and Mortar
    44364855Folkways Branch2703 Folkways Blvd, Lincoln, NE 68504December 17, 2001Full Service Brick and Mortar
    463633Beatrice Branch523 Court Street, Beatrice, NE 68310November 22, 1883Full Service Brick and Mortar
    47207638Motor Branch523 North Sixth Street, Beatrice, NE 68310October 29, 1973Limited Service Facility
    503645Elwood Branch301 Smith, Elwood, NE 68937March 01, 1889Full Service Brick and Mortar
    51419459Omaha Downtown Branch1016 Douglas On The Mall, Omaha, NE 68102April 01, 2003Full Service Brick and Mortar
    52434061Gretna Branch16821 Audrey Street, Omaha, NE 68136January 12, 2005Full Service Brick and Mortar
    53442332Elkhorn Branch20320 Veterans Drive, Elkhorn, NE 68022September 08, 2004Full Service Brick and Mortar
    54453597Columbus-Village Center Branch210 E 23rd Street, Columbus, NE 68601May 08, 2006Full Service Brick and Mortar
    59465413Lincoln-Ashley Heights Office Branch4646 W Huntington Ave, Lincoln, NE 68524April 05, 2007Full Service Brick and Mortar
    60465414Southport Branch12350 Southport Parkway, Lavista, NE 68128Febuary 07, 2007Full Service Brick and Mortar
    627947Farmers And Merchants Bank Branch447 Broadway, Imperial, NE 69033January 01, 1887Full Service Brick and Mortar
    64473449Pinnacle Bank1601 North 84th Street, Lincoln, NE 68505March 18, 2008Full Service Brick and Mortar
    66490682Pinnacle BankCallum Drive, Waverly, NE 68462Febuary 16, 2009Full Service Brick and Mortar
    6749310848th & O Street Hyvee Office Branch5010 O Street, Lincoln, NE 68504October 07, 2008Full Service Retail
    68493109Bank On Electronic Branch20544 Husker Drive, Gretna, NE 68028August 01, 2008Full Service Cyber
    6917013Fremont Branch99 West Sixth Street, Fremont, NE 68025April 08, 1983Full Service Brick and Mortar
    70257437Nye Plaza Branch450 West 23rd St, Fremont, NE 68025Febuary 12, 1990Full Service Brick and Mortar
    71418724Lincoln Branch1520 East 23rd, Fremont, NE 68025March 26, 2003Full Service Brick and Mortar
    73520917Dodge Branch18081 Burt Street, Elkhorn, NE 68022June 06, 2011Full Service Brick and Mortar
    74527585Mobile Bank Columbus2661 33rd Avenue, Columbus, NE 68601December 19, 2011Limited Service Mobile

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