# PINNACLE BANK OF SC
GREENVILLE, SC · FDIC certificate 58179 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $150.9M | |
| Deposits | $123.8M | |
| Loans and leases | $119.9M | |
| Total equity | $20.4M | |
| Loans / deposits | 95.34% (p87 of band) | 73.61% |
| Liquid assets / assets | 15.81% (p14 of band) | |
| Uninsured deposits / deposits | 14.85% (p56 of band) | 13.65% |
| Brokered deposits | 16.34% | |
| Wholesale funding | 19.93% (p95 of band) | |
| FHLB advances / assets | 1.99% | |
| Tier 1 leverage | 13.44% (p79 of band) | 10.70% |
| Unrealized securities loss / equity | 1.03% (p54 of band) | 0.86% |
| AOCI / equity | -0.56% (p13 of band) | |
| ROA (annualized) | 0.56% (p30 of band) | 0.84% |
| Net interest margin | 4.23% (p81 of band) | 3.64% |
| Efficiency ratio | 88.81% (p84 of band) | |
| Noncurrent loans | 0.67% (p49 of band) | 0.69% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 234.50% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 96.86% (p95 of band) | |
| Auto loans | $821,000 (0.68% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | losing money, charge-offs p90 |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 | capital falling | reserve under noncurrent |
| 2012-03 | 4 | reserve under noncurrent | capital falling |
| 2012-06 | 2 |  | construction >100% equity, reserve under noncurrent |
| 2012-09 | 4 | capital falling, reserve under noncurrent |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 2 |  | reserve under noncurrent |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | uninsured deposits leaving |  |
| 2014-03 | 2 |  | uninsured deposits leaving |
| 2014-06 | 2 |  |  |
| 2014-09 | 4 | loans exceed deposits, capital falling |  |
| 2014-12 | 2 |  | loans exceed deposits, capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 6 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 2 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-07-15 [Pope, Smith, Brown & King PA name Miller shareholder - Greenville Online](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOOWNyOWJaSkNyUG1sV0ZNeHlBTFpVZGZsTWxrNG5vdGZjQzJlX0lvX3R0YnQyTmozSHVGYUJoQWNjcVF4aEJIQTdjV2JXWGxqd2hwNmk2VXVYV0RYM2gtd1JRVzJDSjFXZWhCNktKTHd3VkZvZ1FzUGtYdEttLUp0a283bFVlRVNiMk14Z2ZsYk5BckltYjlEanlYV25GMjR3cGU2T3dUN3NVMFZZa1JLZFlaaHdIQTBVelZyY09mOUE?oc=5) · Greenville Online

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58179 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "58179", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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