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 233^rd largest bank in the nation. It was established in 1880 and as of December of 2011, it had grown to 641 employees at 60 locations. Pinnacle Bank (NE) has a 5-star health rating.

Data for Q4 2011

Institution Statistics Pinnacle Bank FDIC Certificate # 10634 BankRate Report View Year Established 1880 Employees 641 Primary Regulator FDIC Assets and Liabilities Assets $3.17 billion Loans $2.09 billion Deposits $2.71 billion Equity Capital $322.78 million Loan Loss Allowance $40.41 million Unbacked Noncurrent Loans $23.26 million Real Estate Owned $5.55 million Historic Data - December 2010 Assets $2.95 billion Equity Capital $273.37 million Loan Loss Allowance $35.95 million Unbacked Noncurrent Loans $29.00 million Real Estate Owned $9.14 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 1.88% Return on Equity 19.07% Interest Income $137.41 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, 2011 Pinnacle Bank (NE) had $28.81 million in non-current loans and owned real-estate with $363.19 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank (NE) a Texas Ratio of 7.93% 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 (NE) decreased slightly from 12.27% as of December 31, 2010 to 7.93% as of December 31, 2011, resulting in a positive change of 35.37%.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 $202.5 million, resulting in 8.07% 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 (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 $3.17 billion in assets with $363.19 million in equity, resulting in a capitalization level of 11.45%, which is above average.

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