Five Points Bank in Grand Island, Nebraska (NE)
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| Five Points Bank | |
|---|---|
| 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 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 |
| 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) |
| 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 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.76% |
| 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 ratio | 190.79% |
| 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 deposits | 0.25% |
| 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 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $103,983 |
| Number of Accounts | 1 |
| 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 Accounts | 197 |
| 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 |
| 10 Nebraska Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 14132 | Five Points Bank | 2015 North Broadwell Avenue, Grand Island, NE 68803 | September 10, 1971 | Full Service Brick and Mortar |  |
| 1 | 251142 | Grand Island- South Branch | 3109 West Stolley Park Road, Grand Island, NE 68801 | June 08, 1981 | Full Service Brick and Mortar |  |
| 2 | 251143 | Grand Island- West Branch | 2009 Diers Avenue, Grand Island, NE 68801 | October 30, 1995 | Full Service Brick and Mortar | |
| 3 | 357240 | Grand Island-Eddy Branch | 518 North Eddy Street, Grand Island, NE 68801 | September 19, 1999 | Full Service Brick and Mortar | |
| 4 | 419675 | Kearney Main Branch | 1809 W. 39th St., Kearney, NE 68845 | December 18, 2002 | Full Service Brick and Mortar | |
| 5 | 424733 | Kearney Downtown Branch | 2501 Central Avenue, Kearney, NE 68847 | January 05, 2004 | Full Service Brick and Mortar | |
| 6 | 365449 | Sumner Branch | 5th And Main Street, Sumner, NE 68878 | September 16, 2002 | Full Service Brick and Mortar | |
| 7 | 459380 | 2015 North Broadwell Mobile Branch | 2015 North Broadwell, Grand Island, NE 68801 | May 01, 2006 | Limited Service Mobile | |
| 8 | 518511 | Omaha Mobile Branch | 9817 Giles Road, La Vista, NE 68128 | April 06, 2011 | Limited Service Mobile | |
| 9 | 426725 | Giles Branch | 9718 Giles Road, Lavista, NE 68128 | November 22, 2003 | Full Service Brick and Mortar | |
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