Vitals
  • Total Assets
    217.2M -1.1 %
  • Total Deposits
    191.3M 2.7 %
  • Total Net Loans
    89.7M 4.3 %
  • Net Income
    2.4M 3.3 %
  • Book Value
    24.9M -9.2 %
  • Book Value x2
    49.9M -9.2 %
  • Book Value x3
    74.8M -9.2 %
ROAA

1.063

ROAE

8.596

Efficiency Ratio

64.345

Net Interest Margin

3.763

Balance Sheet Highlights
Financial Highlights Pinnacle Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 217,169 266,812
Total Net Loans 89,651 157,006
Total Deposits 191,312 227,200
Total Equity 24,948 30,855
Profitability
Net Income 2,370 2,603
Return on Average Assets 1.063 .91
Return on Average Equity 8.596 7.525
Net Interest Margin 3.763 3.872
Efficiency Ratio 64.345 69.238
Noninterest Income/Revenue 16.916 15.218
Balance Sheet Ratios
Loan-to-Deposit 46.861 65.031
Securities/Assets .486 .23
Total Equity/Total Assets .115 .116
Tangible Equity/Tangible Assets .113 .114
Capital Adequacy
Tier 1 Common Capital 24,779 30,655
Tier 1 Capital 24,779 30,655
Tier 2 Capital 1,618 1,864
Total Capital 26,397 32,526
Total Risk Weighted Assets 140,027 184,216
Leverage Ratio 11.22 11.829
Common Equity Tier 1 Capital Ratio 17.7 18.757
Tier 1 Capital Ratio 17.7 18.762
Total Capital Ratio 18.85 19.824

Timeline for Pinnacle Bank

Pinnacle Bancshares, Inc.

Pinnacle Bancshares, Inc. became a new parent organization for Pinnacle Bank.

View Profile Jan 31 1997

First General Lending Corporation

First General Lending Corporation became a new subsidiary organization for Pinnacle Bank.

View Profile Jan 31 1997

First Federal Savings And Loan Association

Acquisition: Pinnacle Bank acquired a new subsidiary, First Federal Savings And Loan Association, 40 years

View Profile Oct 01 1983

Pinnacle Bank

Pinnacle Bank was established 88 years ago and is currently headquartered in Jasper, AL.

Nov 01 1935
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Federal Savings And Loan Association Seller Discontinued 10/1/1983
Relationships Role Relationship Start Relationship End
Pinnacle Bancshares, Inc. Parent 1/31/1997
First General Lending Corporation Subsidary 1/31/1997 5/1/1998
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