Pinnacle Bank - Wyoming in Torrington, Wyoming (WY), NE
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Pinnacle Bank - Wyoming in Torrington, Wyoming (WY), NE
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Pinnacle Bank - Wyoming - Overview

  • General
  • FDIC Certificate #: 2232
    Status: Active
    Federal Reserve ID: 561659
    Bank Holding Company (Regulatory Top Holder): Pinnacle Bancorp, Inc. (RSSDID: 1053272, Location: Central City, NE)
    Date Established: April 06, 1918
    WWW: http://www.wypinnbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Domestic: 14, Interstate: Yes)
    OTS Docket #: 15713
    FDIC's unique #: 1483
    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: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2000 Main Street, Torrington, WY 82240
    County: Goshen
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Billings
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $597.7 mil
    Equity capital: $57.8 mil
    Deposits held in domestic offices: $524.1 mil
    Return on assets (ROA): 1.73% ($10.3 mil)
    Quarterly return on assets: 1.88% ($11.2 mil)
    Return on Equity (ROE): 19.17% ($11.1 mil)
    Quarterly return on equity: 19.80% ($11.5 mil)
    Net income: $10.2 mil
    Quarterly Net income: $2.8 mil
    Pretax return on assets: 1.73% ($10,339.9 mil)
    Quarterly Pretax return on assets: 1.88% ($11,236.4 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
  • 125Total employees (full-time equivalent)
  • $597,680Total assets
  • $9,556Cash and due from depository institutions
  • $928Interest-bearing balances
  • $168,040Securities
  • $16,834Federal funds sold & reverse repurchase agreements
  • $381,786Net loans & leases
  • $9,119Loan loss allowance
  • $0Trading account assets
  • $11,969Bank premises and fixed assets
  • $1,982Other real estate owned
  • $525Goodwill and other intangibles
  • $597,680Life insurance assets
  • $6,988All other assets
  • $539,881Total liabilities and capital
  • $524,113Total liabilities
  • $495,553Total deposits
  • $524,113Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 11220.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,141Trading liabilities
  • $0Other borrowed funds
  • $1,407Subordinated debt
  • $57,799All other liabilities
  • $57,799Total equity capital
  • $57,799Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $18,438Surplus
  • $34,361Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,689Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,248Income earned, not collected on loans
  • $0Earning assets
  • $4,027Long-term assets (5+ years)
  • $567,588Average Assets, year-to-date
  • $108,811Average Assets, quarterly
  • $588,150Volatile liabilities
  • $595,869Insider loans
  • $444,194FHLB advances
  • $590,289Loans and leases held for sale
  • $862Unused loan commitments
  • $862Tier 1 (core) risk-based capital
  • $53,188Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $61,412Restructured Loans and leases
  • $13,299Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,733Total interest income
  • $3,739Total interest expense
  • $22,994Net interest income
  • $2,031Provision for loan and lease losses
  • $3,274Total noninterest income
  • $0Fiduciary activities
  • $1,618Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,656Additional noninterest income
  • $14,212Total noninterest expense
  • $7,322Salaries and employee benefits
  • $1,798Premises and equipment expense
  • $5,092Additional noninterest expense
  • $10,025Pre-tax net operating income
  • $141Securities gains (losses)
  • $16Applicable income taxes
  • $10,150Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,150Net income attributable to bank
  • $0Net charge-offs
  • $10,150Cash dividends
  • $981Sale, conversion, retirement of capital stock, net
  • $6,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 4.12%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 1.70%Net operating income to assets
  • 1.73%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 19.17%Return on equity (ROE)
  • 7.84%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 207.03%Credit loss provision to net charge-offs
  • 12.29%Efficiency ratio
  • 54,104Assets per employee
  • 4.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.11%Loss allowance to loans
  • 2.33%Loss allowance to noncurrent loans
  • 64.00%Noncurrent assets plus other real estate owned to assets
  • 2.72%Noncurrent loans to loans
  • 3.64%Net loans and leases to deposits
  • 72.84%Net loans and leases to core deposits
  • 80.47%Equity capital to assets
  • 9.67%Core capital (leverage) ratio
  • 9.01%Tier 1 risk-based capital ratio
  • 11.97%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $588,150Average earning assets
  • $52,952Average equity
  • $557,981Average loans

List of branches

  • 1 Nebraska Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    23683Mitchell Branch1511 Broadway, Mitchell, NE 69357January 15, 1925Full Service Brick and Mortar
  • 13 Wyoming Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01483Pinnacle Bank - Wyoming2000 Main Street, Torrington, WY 82240April 06, 1918Full Service Brick and Mortar
    117507Cheyenne Branch1501 South Greeley Highway, Cheyenne, WY 82007August 07, 1984Full Service Brick and Mortar
    315212Newcastle Branch204 West Main Street, Newcastle, WY 82701May 15, 1975Full Service Brick and Mortar
    412767Moorcroft Branch602 E Converse, Moorcraft, WY 82721October 21, 1963Full Service Brick and Mortar
    5159741702 17th Street Branch1702 Sheridan Avenue, Cody, WY 82414May 14, 1979Full Service Brick and Mortar
    6804Worland Branch644 Big Horn Avenue, Worland, WY 82401January 01, 1917Full Service Brick and Mortar
    71482Thermopolis Branch125 South Fifth, Thermopolis, WY 82443January 01, 1934Full Service Brick and Mortar
    8452607Cheyenne - Dell Range Branch3518 Dell Range Blvd, Cheyenne, WY 82009December 31, 2002Full Service Brick and Mortar
    9452608Cody - Yellowstone Branch627 Yellowstone, Cody, WY 82414December 31, 1998Full Service Brick and Mortar
    10452609Torrington Drive-Up Branch20th West A Street, Torrington, WY 82240December 31, 2005Limited Service Facility
    11453020Worland Drive-Up Branch644 Big Horn Avenue, Worland, WY 82401December 31, 2005Limited Service Facility
    12494741Internet Branch2000 Main Street, Torrington, WY 82240July 23, 2008Full Service Cyber
    13501280Gillette Wy Branch1708 West Us Hwy 14-16, Gillette, WY 82716December 21, 2009Full Service Brick and Mortar

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