Pinnacle Bank

Little Rock, AR · Cert 34408

FDIC

Q4 2001

$135.1MAssets

$122.8MLoans

$101.8MDeposits

$9.2MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	0.52%	0.64%	0.67%	0.70%	0.90%	1.03%	1.18%	1.54%	+85 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	15.41%	17.56%	22.69%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.97%	4.31%	4.41%	5.30%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	61.31%	61.11%	54.65%	54.20%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.32%	2.46%	2.21%	2.70%	n/a
Growth
Asset Growth (YoY)	40.15%	35.04%	26.08%	23.44%	16.98%	22.22%	18.46%	17.55%	-589 bps
Loan Growth (YoY)	59.65%	40.39%	36.53%	26.71%	28.39%	32.99%	34.81%	29.47%	+276 bps
Deposit Growth (YoY)	20.58%	21.38%	10.05%	11.66%	16.84%	12.54%	18.63%	16.78%	+512 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.06%	0.02%	0.16%	0.18%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.05%	1.05%	1.01%	1.00%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	9.00%	9.06%	8.99%	9.24%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	6.72%	6.60%	6.79%	6.80%	n/a
Liquidity & Funding
Loans / Deposits	107.08%	102.16%	105.53%	108.84%	117.66%	120.72%	119.92%	120.66%	+1,182 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.01%	0.07%	0.06%	0.03%	+3 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a