Points West Community Bank in city_name, state_name - Detailed Financial Reports, Location

Points West Community Bank in Sidney, Nebraska (NE), WY
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Points West Community Bank routing number info

Points West Community Bank - Overview

General
FDIC Certificate #: 25127
Status: Active
Federal Reserve ID: 654252
Bank Holding Company (Regulatory Top Holder): First Nebraska Bancs, Inc. (RSSDID: 1051081, Location: Sidney, NE)
Date Established: September 15, 1980
WWW: http://www.pointswbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: Yes)
OTS Docket #: 13933
FDIC's unique #: 17387
Numeric code: 21
Regulator: FDIC
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: May 07, 1984
Last Structure Change Effective Date: January 31, 2011
Last Structure Change Process Date: May 17, 2011
Last Data Update: May 17, 2011
Data Source Date: April 05, 2012
Location
Address: 809 Illinois Street, Sidney, NE 69162
County: Cheyenne
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
Financial Summary
Total assets: $318.8 mil
Equity capital: $32.3 mil
Deposits held in domestic offices: $273.3 mil
Return on assets (ROA): 1.46% ($4.7 mil)
Quarterly return on assets: 1.56% ($5.0 mil)
Return on Equity (ROE): 14.59% ($4.7 mil)
Quarterly return on equity: 15.08% ($4.8 mil)
Net income: $4.6 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.48% ($4,718.0 mil)
Quarterly Pretax return on assets: 1.58% ($5,036.8 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
75Total employees (full-time equivalent)
$318,786Total assets
$12,224Cash and due from depository institutions
$4,191Interest-bearing balances
$115,527Securities
$1,225Federal funds sold & reverse repurchase agreements
$172,518Net loans & leases
$3,223Loan loss allowance
$0Trading account assets
$6,728Bank premises and fixed assets
$173Other real estate owned
$2,776Goodwill and other intangibles
$318,786Life insurance assets
$7,615All other assets
$286,442Total liabilities and capital
$273,301Total liabilities
$226,894Total deposits
$273,301Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$12,734Trading liabilities
$0Other borrowed funds
$407Subordinated debt
$32,344All other liabilities
$32,344Total equity capital
$32,344Total bank equity capital
$0Perpetual preferred stock
$625Common stock
$17,103Surplus
$14,616Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$412Income earned, not collected on loans
$0Earning assets
$2,762Long-term assets (5+ years)
$293,461Average Assets, year-to-date
$80,960Average Assets, quarterly
$316,791Volatile liabilities
$317,268Insider loans
$183,664FHLB advances
$315,025Loans and leases held for sale
$1,739Unused loan commitments
$1,739Tier 1 (core) risk-based capital
$27,304Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$30,261Restructured Loans and leases
$2,348Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$13,398Total interest income
$2,557Total interest expense
$10,841Net interest income
$250Provision for loan and lease losses
$1,210Total noninterest income
$0Fiduciary activities
$703Service charges on deposit accounts
$0Trading account gains & fees
$507Additional noninterest income
$7,203Total noninterest expense
$4,153Salaries and employee benefits
$895Premises and equipment expense
$2,155Additional noninterest expense
$4,598Pre-tax net operating income
$97Securities gains (losses)
$67Applicable income taxes
$4,628Income before extraordinary items
$0Extraordinary gains - net
$4,628Net income attributable to bank
$0Net charge-offs
$4,628Cash dividends
$146Sale, conversion, retirement of capital stock, net
$4,450Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.57%Yield on earning assets
0.87%Cost of funding earning assets
3.70%Net interest margin
0.41%Noninterest income to earning assets
2.46%Noninterest expense to earning assets
1.43%Net operating income to assets
1.46%Return on assets (ROA)
1.48%Pretax return on assets
14.59%Return on equity (ROE)
0.56%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
171.23%Credit loss provision to net charge-offs
33.21%Efficiency ratio
59,771Assets per employee
4.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
96.15%Loss allowance to loans
1.83%Loss allowance to noncurrent loans
782.28%Noncurrent assets plus other real estate owned to assets
0.18%Noncurrent loans to loans
0.23%Net loans and leases to deposits
63.12%Net loans and leases to core deposits
69.54%Equity capital to assets
10.15%Core capital (leverage) ratio
8.67%Tier 1 risk-based capital ratio
14.87%Total risk-based capital ratio
Memoranda
$16Average assets
$316,791Average earning assets
$31,716Average equity
$292,938Average loans

List of branches

5 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	17387	Points West Community Bank	809 Illinois Street, Sidney, NE 69162	September 15, 1980	Full Service Brick and Mortar
1	7334	Dalton Branch	301 Main Street, Dalton, NE 69131	January 01, 1908	Full Service Brick and Mortar
2	3668	Kimball Branch	201 Chestnut Street, Kimball, NE 69145	September 01, 1917	Full Service Brick and Mortar
3	9152	Chappell Branch	774 2nd St, Chappell, NE 69129	Febuary 11, 1919	Full Service Brick and Mortar
8	456182	I-80 Branch	420 Glover Road, Sidney, NE 69162	July 31, 2006	Full Service Brick and Mortar

4 Wyoming Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
4	379	Torrington Branch	2234 Main Street, Torrington, WY 82240	January 01, 1934	Full Service Brick and Mortar
5	16035	Lingle Branch	Third And Main Streets, Lingle, WY 82223	August 20, 1979	Full Service Brick and Mortar
6	362214	Pine Bluffs Branch	205 West 2nd, Pine Bluffs, WY 82082	August 14, 2000	Full Service Brick and Mortar
7	362215	Douglas Branch	1632 East Richards, Douglas, WY 82633	April 09, 2001	Full Service Brick and Mortar

Points West Community Bank in Sidney, Nebraska (NE), WY
Overview, Financial Summary, Detailed Financial Reports, Branches

Points West Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Points West Community Bank in Sidney, Nebraska (NE), WYOverview, Financial Summary, Detailed Financial Reports, Branches

Points West Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Points West Community Bank in Sidney, Nebraska (NE), WY
Overview, Financial Summary, Detailed Financial Reports, Branches