Pinnacle Bank - Wyoming

Pinnacle Bank - Wyoming is headquartered in Torrington and is the 2^nd largest bank in the state of Wyoming. It is also the 1,106^th largest bank in the nation. It was established in 1918 and as of March of 2012, it had grown to 122 employees at 14 locations. Pinnacle Bank - Wyoming has a 4-star health rating.

Data for Q1 2012

Institution Statistics Pinnacle Bank - Wyoming FDIC Certificate # 2232 BankRate Report View Year Established 1918 Employees 122 Primary Regulator FDIC Assets and Liabilities Assets $602.68 million Loans $375.75 million Deposits $527.35 million Equity Capital $59.92 million Loan Loss Allowance $9.13 million Unbacked Noncurrent Loans $17.41 million Real Estate Owned $2.34 million Historic Data - March 2011 Assets $581.29 million Equity Capital $50.13 million Loan Loss Allowance $8.26 million Unbacked Noncurrent Loans $15.52 million Real Estate Owned $1.70 million Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 1.89% Return on Equity 19.27% Interest Income $6.38 million

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 - Wyoming had $19.74 million in non-current loans and owned real-estate with $69.05 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank - Wyoming a Texas Ratio of 28.59% 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 - Wyoming held steady from 29.50% as of March 31, 2011 to 28.59% as of March 31, 2012, resulting in a positive change of 3.06%.This indicates that the balance sheet and financial strength for Pinnacle Bank - Wyoming has held steady in recent periods. Deposit Growth In the past year, Pinnacle Bank - Wyoming has increased its total deposits by $16.86 million, resulting in 3.3% 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 - Wyoming has shown is above average. 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 - Wyoming has $602.68 million in assets with $69.05 million in equity, resulting in a capitalization level of 11.46%, which is above average.

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