Five Points Bank in Grand Island, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Five Points Bank in Grand Island, Nebraska (NE)
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Five Points Bank - Overview

  • General
  • FDIC Certificate #: 20488
    Status: Active
    Federal Reserve ID: 554857
    Bank Holding Company (Regulatory Top Holder): Hometown Banc Corp (RSSDID: 2482196, Location: Grand Island, NE)
    Date Established: September 10, 1971
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 11710
    FDIC's unique #: 14132
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 10, 1971
    Last Structure Change Effective Date: March 28, 2011
    Last Structure Change Process Date: May 10, 2011
    Last Data Update: May 10, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2015 North Broadwell Avenue, Grand Island, NE 68803
    County: Hall
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Grand Island
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Grand Island, NE (#24260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $694.0 mil
    Equity capital: $69.8 mil
    Deposits held in domestic offices: $582.2 mil
    Return on assets (ROA): 1.88% ($13.0 mil)
    Quarterly return on assets: 2.04% ($14.2 mil)
    Return on Equity (ROE): 18.54% ($13.0 mil)
    Quarterly return on equity: 20.09% ($14.1 mil)
    Net income: $12.1 mil
    Quarterly Net income: $3.4 mil
    Pretax return on assets: 1.92% ($13,324.2 mil)
    Quarterly Pretax return on assets: 2.09% ($14,504.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 145Total employees (full-time equivalent)
  • $693,969Total assets
  • $39,308Cash and due from depository institutions
  • $26,725Interest-bearing balances
  • $205,383Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $412,291Net loans & leases
  • $6,252Loan loss allowance
  • $0Trading account assets
  • $9,681Bank premises and fixed assets
  • $0Other real estate owned
  • $1,624Goodwill and other intangibles
  • $693,969Life insurance assets
  • $25,682All other assets
  • $624,145Total liabilities and capital
  • $582,202Total liabilities
  • $482,776Total deposits
  • $582,202Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $39,159Trading liabilities
  • $0Other borrowed funds
  • $2,784Subordinated debt
  • $69,824All other liabilities
  • $69,824Total equity capital
  • $69,824Total bank equity capital
  • $0Perpetual preferred stock
  • $1,100Common stock
  • $37,010Surplus
  • $31,714Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,045Income earned, not collected on loans
  • $0Earning assets
  • $4,747Long-term assets (5+ years)
  • $644,399Average Assets, year-to-date
  • $238,679Average Assets, quarterly
  • $644,608Volatile liabilities
  • $674,673Insider loans
  • $501,414FHLB advances
  • $670,395Loans and leases held for sale
  • $12,136Unused loan commitments
  • $12,136Tier 1 (core) risk-based capital
  • $66,891Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $105,741Restructured Loans and leases
  • $11,263Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $28,603Total interest income
  • $5,451Total interest expense
  • $23,152Net interest income
  • $1,100Provision for loan and lease losses
  • $4,962Total noninterest income
  • $736Fiduciary activities
  • $871Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,355Additional noninterest income
  • $14,759Total noninterest expense
  • $9,418Salaries and employee benefits
  • $1,335Premises and equipment expense
  • $4,006Additional noninterest expense
  • $12,255Pre-tax net operating income
  • $127Securities gains (losses)
  • $252Applicable income taxes
  • $12,130Income before extraordinary items
  • $0Extraordinary gains - net
  • $12,130Net income attributable to bank
  • $0Net charge-offs
  • $12,130Cash dividends
  • $70Sale, conversion, retirement of capital stock, net
  • $5,615Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 2.46%Noninterest expense to earning assets
  • 1.86%Net operating income to assets
  • 1.88%Return on assets (ROA)
  • 1.92%Pretax return on assets
  • 18.54%Return on equity (ROE)
  • 9.96%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1571.43%Credit loss provision to net charge-offs
  • 190.79%Efficiency ratio
  • 52,394Assets per employee
  • 4.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.29%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 598.28%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 70.82%Net loans and leases to core deposits
  • 75.34%Equity capital to assets
  • 10.06%Core capital (leverage) ratio
  • 9.98%Tier 1 risk-based capital ratio
  • 13.34%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $644,608Average earning assets
  • $65,416Average equity
  • $600,395Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $103,983Managed Assets
  • 1Number of Accounts
  • $103,983Personal trust and agency accounts
  • $95,785Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $6,067Other fiduciary accounts
  • $2,131Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 197Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 10 Nebraska Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014132Five Points Bank2015 North Broadwell Avenue, Grand Island, NE 68803September 10, 1971Full Service Brick and Mortar
    1251142Grand Island- South Branch3109 West Stolley Park Road, Grand Island, NE 68801June 08, 1981Full Service Brick and Mortar
    2251143Grand Island- West Branch2009 Diers Avenue, Grand Island, NE 68801October 30, 1995Full Service Brick and Mortar
    3357240Grand Island-Eddy Branch518 North Eddy Street, Grand Island, NE 68801September 19, 1999Full Service Brick and Mortar
    4419675Kearney Main Branch1809 W. 39th St., Kearney, NE 68845December 18, 2002Full Service Brick and Mortar
    5424733Kearney Downtown Branch2501 Central Avenue, Kearney, NE 68847January 05, 2004Full Service Brick and Mortar
    6365449Sumner Branch5th And Main Street, Sumner, NE 68878September 16, 2002Full Service Brick and Mortar
    74593802015 North Broadwell Mobile Branch2015 North Broadwell, Grand Island, NE 68801May 01, 2006Limited Service Mobile
    8518511Omaha Mobile Branch9817 Giles Road, La Vista, NE 68128April 06, 2011Limited Service Mobile
    9426725Giles Branch9718 Giles Road, Lavista, NE 68128November 22, 2003Full Service Brick and Mortar

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