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


Pinnacle Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    07184Pinnacle Bank4201 W New Hope Rd, Rogers, AR 72758October 31, 1903Full Service Brick and Mortar

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