Five Points Bank of Hastings in Hastings, Nebraska (NE)

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Five Points Bank of Hastings
GeneralFDIC Certificate #: 14312
Status: Active
Federal Reserve ID: 386450
Bank Holding Company (Regulatory Top Holder): Hometown Banc Corp (RSSDID: 2482196, Location: Grand Island, NE)
Date Established: January 01, 1893
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 16651
FDIC's unique #: 8939
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: May 02, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 2815 Osborne Drive West, Hastings, NE 68902
County: Adams
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): Hastings, NE (#25580)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $208.6 mil
Equity capital: $17.6 mil
Deposits held in domestic offices: $171.7 mil
Return on assets (ROA): 1.25% ($2.6 mil)
Quarterly return on assets: 1.36% ($2.8 mil)
Return on Equity (ROE): 15.03% ($2.7 mil)
Quarterly return on equity: 15.94% ($2.9 mil)
Net income: $2.5 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.59% ($3,316.5 mil)
Quarterly Pretax return on assets: 1.56% ($3,253.9 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)37
Total assets$208,586
Cash and due from depository institutions$32,785
Interest-bearing balances$30,662
Federal funds sold & reverse repurchase agreements$100
Net loans & leases$96,991
Loan loss allowance $1,538
Trading account assets$0
Bank premises and fixed assets$1,583
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$6,084
Life insurance assets$208,586
Total liabilities and capital$191,005
Total liabilities$171,692
Total deposits$148,817
Interest-bearing deposits$171,692
Deposits held in domestic offices$64
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$19,000
Other borrowed funds $0
Subordinated debt $313
All other liabilities $17,581
Total equity capital$17,581
Total bank equity capital$17,581
Perpetual preferred stock$0
Common stock$150
Undivided profits $4,616
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $44
Income earned, not collected on loans $648
Earning assets $0
Long-term assets (5+ years) $1,655
Average Assets, year-to-date $198,796
Average Assets, quarterly $54,566
Volatile liabilities $196,206
Insider loans $201,563
FHLB advances $128,777
Loans and leases held for sale $194,442
Unused loan commitments $1,461
Tier 1 (core) risk-based capital $1,461
Tier 2 risk-based capital $17,581
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $29,329
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,843
Total interest expense $1,632
Net interest income $6,211
Provision for loan and lease losses $300
Total noninterest income $930
Fiduciary activities $0
Service charges on deposit accounts $233
Trading account gains & fees $0
Additional noninterest income $697
Total noninterest expense $3,734
Salaries and employee benefits $1,979
Premises and equipment expense $408
Additional noninterest expense $1,347
Pre-tax net operating income $3,107
Securities gains (losses) $9
Applicable income taxes $666
Income before extraordinary items $2,450
Extraordinary gains - net $0
Net income attributable to bank $2,450
Net charge-offs $0
Cash dividends $2,450
Sale, conversion, retirement of capital stock, net $135
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.19%
Cost of funding earning assets 0.87%
Net interest margin 3.32%
Noninterest income to earning assets 0.50%
Noninterest expense to earning assets 2.00%
Net operating income to assets 1.25%
Return on assets (ROA) 1.25%
Pretax return on assets 1.59%
Return on equity (ROE) 15.03%
Retained earnings to average equity (YTD only) 15.03%
Net charge-offs to loans 0.14%
Credit loss provision to net charge-offs 222.22%
Efficiency ratio25.24%
Assets per employee$52,290
Cash dividends to net income (YTD only)5.64%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.56%
Noncurrent assets plus other real estate owned to assets 237.35%
Noncurrent loans to loans 0.31%
Net loans and leases to deposits0.66%
Net loans and leases to core deposits 56.49%
Equity capital to assets 59.12%
Core capital (leverage) ratio 8.43%
Tier 1 risk-based capital ratio 9.04%
Total risk-based capital ratio 13.65%
Average assets$15
Average earning assets$196,206
Average equity $16,297
Average loans $187,162
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3 Nebraska Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08939Five Points Bank Of Hastings2815 Osborne Drive West, Hastings, NE 68902January 01, 1893Full Service Brick and Mortar
2430081Hastings Branch320 South Burlington Avenue, Hastings, NE 68901August 02, 2004Full Service Brick and Mortar
3465800Five Points Bank Of Hastings Branch322 Norht St Joseph Ave, Hastings, NE 68901September 01, 2000Full Service Retail
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