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Performance Ratios (%) PPBN Peer Median Peer Average
ROAA 0.92 0.80 0.93
ROAE 9.81 8.70 8.98
Net Interest Margin 4.00 3.77 3.90
Efficiency Ratio 75.05 72.08 72.32
Loans / Deposits 87.18 89.01 86.23
Asset Quality Ratios (%)
NPAs / Assets 0.38 0.85 0.95
NCOs / Avg Loans 0.02 0.06 0.07
Reserves / Loans 0.88 0.86 0.90
Reserves / NPAs 180.46 78.27 76.88
Capital Ratios (%)
Tier 1 Capital 11.47 18.38 18.38
Tangible Equity / Tangible Assets 8.98 9.93 10.25
Total Equity / Total Assets 9.08 10.29 10.44
Market Ratios
Price / Earnings (x) 8.16 7.74 8.07
Price / Book (%) 78.51 62.05 64.52
Dividend Yield (%) 2.43 3.74 3.13
Data for trailing four quarters

Pinnacle Bankshares Corporation's peer group consists of the following: Bank of the James Financial Group, Inc. (BOTJ), Bay Banks of Virginia, Inc. (BAYK), Benchmark Bankshares, Inc. (BMBN), Citizens Bancorp of Virginia, Inc. (CZBT), Heritage Bankshares, Inc., HomeTown Bankshares Corporation, Virginia Community Bankshares, Inc.

Pinnacle Bankshares Corporation's financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

Heritage Bankshares, Inc.'s financial data is as of 12/31/2015.
Virginia Community Bankshares, Inc.'s financial data is as of 9/30/2019.
HomeTown Bankshares Corporation's financial data is as of 12/31/2018.
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