Five Points Bank in Grand Island, Nebraska (NE)



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Five Points Bank
GeneralFDIC 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
WWW: http://www.5pointsbank.com
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
LocationAddress: 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 ChangesOffice Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)145
Total assets$693,969
Cash and due from depository institutions$39,308
Interest-bearing balances$26,725
Securities$205,383
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$412,291
Loan loss allowance $6,252
Trading account assets$0
Bank premises and fixed assets$9,681
Other real estate owned$0
Goodwill and other intangibles$1,624
All other assets$25,682
Life insurance assets$693,969
Total liabilities and capital$624,145
Total liabilities$582,202
Total deposits$482,776
Interest-bearing deposits$582,202
Deposits held in domestic offices$78
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$39,159
Other borrowed funds $0
Subordinated debt $2,784
All other liabilities $69,824
Total equity capital$69,824
Total bank equity capital$69,824
Perpetual preferred stock$0
Common stock$1,100
Surplus$37,010
Undivided profits $31,714
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,045
Earning assets $0
Long-term assets (5+ years) $4,747
Average Assets, year-to-date $644,399
Average Assets, quarterly $238,679
Volatile liabilities $644,608
Insider loans $674,673
FHLB advances $501,414
Loans and leases held for sale $670,395
Unused loan commitments $12,136
Tier 1 (core) risk-based capital $12,136
Tier 2 risk-based capital $66,891
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $105,741
Derivatives$11,263
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $28,603
Total interest expense $5,451
Net interest income $23,152
Provision for loan and lease losses $1,100
Total noninterest income $4,962
Fiduciary activities $736
Service charges on deposit accounts $871
Trading account gains & fees $0
Additional noninterest income $3,355
Total noninterest expense $14,759
Salaries and employee benefits $9,418
Premises and equipment expense $1,335
Additional noninterest expense $4,006
Pre-tax net operating income $12,255
Securities gains (losses) $127
Applicable income taxes $252
Income before extraordinary items $12,130
Extraordinary gains - net $0
Net income attributable to bank $12,130
Net charge-offs $0
Cash dividends $12,130
Sale, conversion, retirement of capital stock, net $70
Net operating income $5,615
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.76%
Cost of funding earning assets 0.91%
Net interest margin 3.86%
Noninterest income to earning assets 0.83%
Noninterest expense to earning assets 2.46%
Net operating income to assets 1.86%
Return on assets (ROA) 1.88%
Pretax return on assets 1.92%
Return on equity (ROE) 18.54%
Retained earnings to average equity (YTD only) 9.96%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 1571.43%
Efficiency ratio190.79%
Assets per employee$52,394
Cash dividends to net income (YTD only)4.79%
Condition Ratios (%)
Loss allowance to loans 46.29%
Loss allowance to noncurrent loans 1.49%
Noncurrent assets plus other real estate owned to assets 598.28%
Noncurrent loans to loans 0.15%
Net loans and leases to deposits0.25%
Net loans and leases to core deposits 70.82%
Equity capital to assets 75.34%
Core capital (leverage) ratio 10.06%
Tier 1 risk-based capital ratio 9.98%
Total risk-based capital ratio 13.34%
Memoranda
Average assets$15
Average earning assets$644,608
Average equity $65,416
Average loans $600,395
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$103,983
Number of Accounts1
Personal trust and agency accounts$103,983
Employee benefit-defined contribution accounts$95,785
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$6,067
Fiduciary accounts held in foreign offices$2,131
Non-managed Assets$0
Number of Accounts197
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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