Pinnacle Bank (NE)

Pinnacle Bank (NE) is headquartered in Lincoln and is the 4^th largest bank in the state of Nebraska. It is also the 236^th largest bank in the nation. It was established in 1880 and as of September of 2011, it had grown to 625 employees at 59 locations. Pinnacle Bank (NE) has a 5-star health rating.

Data for Q3 2011

Institution Statistics Pinnacle Bank FDIC Certificate # 10634 BankRate Report View Year Established 1880 Employees 625 Primary Regulator FDIC Assets and Liabilities Assets $3.07 billion Loans $2.06 billion Deposits $2.61 billion Equity Capital $315.46 million Loan Loss Allowance $39.05 million Unbacked Noncurrent Loans $24.10 million Real Estate Owned $6.93 million Historic Data - September 2010 Assets $2.72 billion Equity Capital $271.06 million Loan Loss Allowance $35.97 million Unbacked Noncurrent Loans $32.98 million Real Estate Owned $9.78 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 1.81% Return on Equity 18.46% Interest Income $103.16 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 September 30, 2011 Pinnacle Bank (NE) had $31.02 million in non-current loans and owned real-estate with $354.51 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank (NE) a Texas Ratio of 8.75% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pinnacle Bank (NE) decreased slightly from 13.93% as of September 30, 2010 to 8.75% as of September 30, 2011, resulting in a positive change of 37.17%.This indicates that the balance sheet and financial strength for Pinnacle Bank (NE) has improved slightly in recent periods. Deposit Growth In the past year, Pinnacle Bank (NE) has increased its total deposits by $299.08 million, resulting in 12.92% 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 (NE) 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 (NE) has $3.07 billion in assets with $354.51 million in equity, resulting in a capitalization level of 11.56%, which is above average.

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