Pinnacle Bank (AZ)

Pinnacle Bank (AZ) is headquartered in Scottsdale and is the 18^st largest bank in the state of Arizona. It is also the 4,919^st largest bank in the nation. It was established in 2005 and as of December of 2012, it had grown to 24 employees at 1 location. Pinnacle Bank (AZ) has a 5-star health rating.

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Data for Q4 2012

Institution Statistics Pinnacle Bank FDIC Certificate # 58186 BankRate Report View Year Established 2005 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $98.28 million Loans $84.04 million Deposits $80.83 million Equity Capital $16.85 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $1.37 million Historic Data - December 2011 Assets $71.06 million Equity Capital $13.92 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $2.18 million Real Estate Owned $190,000 Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 3.18% Return on Equity 18.35% Interest Income $3.44 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Pinnacle Bank (AZ) had $1.37 million in non-current loans and owned real-estate with $18.36 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank (AZ) a Texas Ratio of 7.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pinnacle Bank (AZ) decreased significantly from 15.14% as of December 31, 2011 to 7.45% as of December 31, 2012, resulting in a positive change of 50.76%.This indicates that the balance sheet and financial strength for Pinnacle Bank (AZ) has improved significantly in recent periods. Deposit Growth In the past year, Pinnacle Bank (AZ) has increased its total deposits by $24.33 million, resulting in 43.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pinnacle Bank (AZ) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pinnacle Bank (AZ) has $98.28 million in assets with $18.36 million in equity, resulting in a capitalization level of 18.68%, which is excellent.

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