Pinnacle Bank in Lincoln, Nebraska (NE), KS, MO

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Pinnacle Bank
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)641
Total assets$3,171,239
Cash and due from depository institutions$87,682
Interest-bearing balances$1,402
Federal funds sold & reverse repurchase agreements$79,551
Net loans & leases$2,089,773
Loan loss allowance $40,405
Trading account assets$0
Bank premises and fixed assets$54,664
Other real estate owned$5,550
Goodwill and other intangibles$23,176
All other assets$42,719
Life insurance assets$3,171,239
Total liabilities and capital$2,848,458
Total liabilities$2,710,931
Total deposits$2,469,165
Interest-bearing deposits$2,710,931
Deposits held in domestic offices$75
% insured (estimated)62128.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$59,552
Other borrowed funds $0
Subordinated debt $15,847
All other liabilities $322,781
Total equity capital$322,781
Total bank equity capital$322,781
Perpetual preferred stock$0
Common stock$30,000
Undivided profits $225,331
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $13,740
Income earned, not collected on loans $23,432
Earning assets $174
Long-term assets (5+ years) $21,526
Average Assets, year-to-date $2,958,850
Average Assets, quarterly $304,106
Volatile liabilities $3,050,070
Insider loans $3,119,603
FHLB advances $2,311,101
Loans and leases held for sale $3,065,983
Unused loan commitments $59
Tier 1 (core) risk-based capital $59
Tier 2 risk-based capital $280,895
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $519,887
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $137,408
Total interest expense $23,253
Net interest income $114,155
Provision for loan and lease losses $8,413
Total noninterest income $23,208
Fiduciary activities $1,262
Service charges on deposit accounts $9,614
Trading account gains & fees $0
Additional noninterest income $12,332
Total noninterest expense $70,686
Salaries and employee benefits $36,882
Premises and equipment expense $7,370
Additional noninterest expense $26,434
Pre-tax net operating income $58,264
Securities gains (losses) $396
Applicable income taxes $1,263
Income before extraordinary items $57,397
Extraordinary gains - net $0
Net income attributable to bank $57,397
Net charge-offs $0
Cash dividends $57,397
Sale, conversion, retirement of capital stock, net $3,957
Net operating income $24,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.80%
Cost of funding earning assets 0.81%
Net interest margin 3.99%
Noninterest income to earning assets 0.81%
Noninterest expense to earning assets 2.47%
Net operating income to assets 1.87%
Return on assets (ROA) 1.88%
Pretax return on assets 1.92%
Return on equity (ROE) 19.07%
Retained earnings to average equity (YTD only) 11.09%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 212.61%
Efficiency ratio16.85%
Assets per employee$50,868
Cash dividends to net income (YTD only)4.95%
Condition Ratios (%)
Loss allowance to loans 41.81%
Loss allowance to noncurrent loans 1.90%
Noncurrent assets plus other real estate owned to assets 172.44%
Noncurrent loans to loans 0.91%
Net loans and leases to deposits1.10%
Net loans and leases to core deposits 77.09%
Equity capital to assets 82.56%
Core capital (leverage) ratio 10.18%
Tier 1 risk-based capital ratio 9.16%
Total risk-based capital ratio 12.15%
Average assets$13
Average earning assets$3,050,070
Average equity $301,027
Average loans $2,862,405
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$283,713
Number of Accounts1
Personal trust and agency accounts$262,307
Employee benefit-defined contribution accounts$229,353
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$8,631
Investment management agency accounts$0
Other fiduciary accounts$24,323
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts568
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$21,406
Corporate trust and agency accounts$6,838
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$129
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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
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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
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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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