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Pinnacle Bank

Little Rock, AR · Cert 34408

FDIC

Q4 2001

$135.1MAssets
$122.8MLoans
$101.8MDeposits
$9.2MEquity
Loan mix
62%RE $48.6M38%C&I $29.8M0%Consumer $0.3MQ4 2000Q4 2001
Deposit mix
90%Interest-bearing $91.1M10%Noninterest $10.6MQ4 2000Q4 2001

NIM

8.71%Q1 ’018.30%Q3 ’018.30%Q4 ’01+11%+20%

Non-interest income vs. expense

2.61%Q1 ’012.65%Q3 ’013.07%Q4 ’01-5%+22%

Executive Summary

  • Earnings: ROA of 1.54%, up 85 bps year over year; NIM at 5.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Funding: loans stand at 120.66% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

1.54%+85 bps YoY

Net Interest Margin (quarter, annualized)

5.30%

Efficiency Ratio (quarter, annualized)

54.20%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets0.70%0.90%1.03%1.18%1.54%+85 bps
Return on Equityn/an/a15.41%17.56%22.69%n/a
Net Interest Marginn/a3.97%4.31%4.41%5.30%n/a
Efficiency Ration/a61.31%61.11%54.65%54.20%n/a
Non-Interest Burdenn/a2.32%2.46%2.21%2.70%n/a
Growth
Asset Growth (YoY)23.44%16.98%22.22%18.46%17.55%-589 bps
Loan Growth (YoY)26.71%28.39%32.99%34.81%29.47%+276 bps
Deposit Growth (YoY)11.66%16.84%12.54%18.63%16.78%+512 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.06%0.02%0.16%0.18%n/a
Allowance / Loansn/a1.05%1.05%1.01%1.00%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a9.00%9.06%8.99%9.24%n/a
Equity / Assetsn/a6.72%6.60%6.79%6.80%n/a
Liquidity & Funding
Loans / Deposits108.84%117.66%120.72%119.92%120.66%+1,182 bps
Liquid Assets / Assets0.00%0.01%0.07%0.06%0.03%+3 bps
CRE / Total Capitaln/an/an/an/an/an/an/a