Pinnacle Bank Sioux City

Pinnacle Bank Sioux City is headquartered in Sioux City and is the 236^th largest bank in the state of Iowa. It is also the 5,546^th largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 17 employees at 2 locations. Pinnacle Bank Sioux City has a 4-star health rating.

Pinnacle Bank Sioux City Routing Number: 073900739

Data for Q1 2012

Institution Statistics Pinnacle Bank Sioux City FDIC Certificate # 18958 BankRate Report View Year Established 1912 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $77.92 million Loans $54.41 million Deposits $69.44 million Equity Capital $8.38 million Loan Loss Allowance $753,000 Unbacked Noncurrent Loans $597,000 Real Estate Owned $986,000 Historic Data - March 2011 Assets $63.71 million Equity Capital $7.24 million Loan Loss Allowance $873,000 Unbacked Noncurrent Loans $1.64 million Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 1.29% Return on Equity 11.52% Interest Income $828,000

Institution Health Overall Score: 4 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 March 31, 2012 Pinnacle Bank Sioux City had $1.58 million in non-current loans and owned real-estate with $9.14 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank Sioux City a Texas Ratio of 17.33% which is 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 Sioux City held steady from 20.19% as of March 31, 2011 to 17.33% as of March 31, 2012, resulting in a positive change of 14.20%.This indicates that the balance sheet and financial strength for Pinnacle Bank Sioux City has held steady in recent periods. Deposit Growth In the past year, Pinnacle Bank Sioux City has increased its total deposits by $13.12 million, resulting in 23.29% 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 Sioux City 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 Sioux City has $77.92 million in assets with $9.14 million in equity, resulting in a capitalization level of 11.73%, which is above average.

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