Pinnacle Bank Sioux City in Sioux City, Iowa (IA)

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Pinnacle Bank Sioux City
GeneralFDIC Certificate #: 18958
Status: Active
Federal Reserve ID: 311649
Bank Holding Company (Regulatory Top Holder): Pinnacle Bancorp, Inc. (RSSDID: 1020591, Location: Sioux City, IA)
Date Established: January 01, 1912
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 10701
FDIC's unique #: 12803
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: December 02, 1963
Last Structure Change Effective Date: October 04, 2006
Last Structure Change Process Date: October 05, 2006
Last Data Update: October 05, 2006
Data Source Date: April 05, 2012
LocationAddress: 1901 Morningside Avenue, Sioux City, IA 51106
County: Woodbury
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: Western
Metropolitan Statistical Area (MSA): Sioux City, IA-NE (#7720)
Combined Statistical Area (CSA): Sioux City-Vermillion, IA-NE-SD (#512)
Core Based Statistical Area (CBSA): Sioux City, IA-NE-SD (#43580)
CBSA Metro Statistical Area: Sioux City, IA-NE-SD (#43580)
Financial SummaryTotal assets: $69.9 mil
Equity capital: $8.1 mil
Deposits held in domestic offices: $61.6 mil
Return on assets (ROA): 1.54% ($1.1 mil)
Quarterly return on assets: 1.43% ($1.0 mil)
Return on Equity (ROE): 13.39% ($1.1 mil)
Quarterly return on equity: 12.25% ($1.0 mil)
Net income: $1.0 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.70% ($1,187.8 mil)
Quarterly Pretax return on assets: 1.55% ($1,083.0 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)18
Total assets$69,871
Cash and due from depository institutions$736
Interest-bearing balances$156
Federal funds sold & reverse repurchase agreements$589
Net loans & leases$54,929
Loan loss allowance $808
Trading account assets$0
Bank premises and fixed assets$1,736
Other real estate owned$565
Goodwill and other intangibles$0
All other assets$700
Life insurance assets$69,871
Total liabilities and capital$61,729
Total liabilities$61,574
Total deposits$51,400
Interest-bearing deposits$61,574
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $155
All other liabilities $8,142
Total equity capital$8,142
Total bank equity capital$8,142
Perpetual preferred stock$0
Common stock$550
Undivided profits $6,392
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,262
Earning assets $0
Long-term assets (5+ years) $399
Average Assets, year-to-date $66,290
Average Assets, quarterly $29,863
Volatile liabilities $65,830
Insider loans $68,848
FHLB advances $50,362
Loans and leases held for sale $68,543
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,876
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,561
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,264
Total interest expense $526
Net interest income $2,738
Provision for loan and lease losses $175
Total noninterest income $244
Fiduciary activities $0
Service charges on deposit accounts $165
Trading account gains & fees $0
Additional noninterest income $79
Total noninterest expense $1,689
Salaries and employee benefits $818
Premises and equipment expense $187
Additional noninterest expense $684
Pre-tax net operating income $1,118
Securities gains (losses) $0
Applicable income taxes $102
Income before extraordinary items $1,016
Extraordinary gains - net $0
Net income attributable to bank $1,016
Net charge-offs $0
Cash dividends $1,016
Sale, conversion, retirement of capital stock, net $200
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.18%
Cost of funding earning assets 0.84%
Net interest margin 4.35%
Noninterest income to earning assets 0.39%
Noninterest expense to earning assets 2.68%
Net operating income to assets 1.54%
Return on assets (ROA) 1.54%
Pretax return on assets 1.70%
Return on equity (ROE) 13.39%
Retained earnings to average equity (YTD only) 13.39%
Net charge-offs to loans 0.38%
Credit loss provision to net charge-offs 87.50%
Efficiency ratio6.46%
Assets per employee$56,640
Cash dividends to net income (YTD only)3.88%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.45%
Noncurrent assets plus other real estate owned to assets 64.03%
Noncurrent loans to loans 2.61%
Net loans and leases to deposits2.26%
Net loans and leases to core deposits 89.21%
Equity capital to assets 99.24%
Core capital (leverage) ratio 11.65%
Tier 1 risk-based capital ratio 11.49%
Total risk-based capital ratio 15.64%
Average assets$17
Average earning assets$65,830
Average equity $7,588
Average loans $62,956
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Total Fiduciary and Related Assets (December 31, 2010)
(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$20
Number of Accounts1
Personal trust and agency accounts$20
Employee benefit-defined contribution accounts$20
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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2 Iowa Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
012803Pinnacle Bank Sioux City1901 Morningside Avenue, Sioux City, IA 51106January 01, 1912Full Service Brick and Mortar
2521681Pinnacle Bank Hinton468 Titan Road, Hinton, IA 51024July 05, 2011Full Service Brick and Mortar
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