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

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Points West Community Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)75
Total assets$318,786
Cash and due from depository institutions$12,224
Interest-bearing balances$4,191
Federal funds sold & reverse repurchase agreements$1,225
Net loans & leases$172,518
Loan loss allowance $3,223
Trading account assets$0
Bank premises and fixed assets$6,728
Other real estate owned$173
Goodwill and other intangibles$2,776
All other assets$7,615
Life insurance assets$318,786
Total liabilities and capital$286,442
Total liabilities$273,301
Total deposits$226,894
Interest-bearing deposits$273,301
Deposits held in domestic offices$81
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$12,734
Other borrowed funds $0
Subordinated debt $407
All other liabilities $32,344
Total equity capital$32,344
Total bank equity capital$32,344
Perpetual preferred stock$0
Common stock$625
Undivided profits $14,616
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 $412
Earning assets $0
Long-term assets (5+ years) $2,762
Average Assets, year-to-date $293,461
Average Assets, quarterly $80,960
Volatile liabilities $316,791
Insider loans $317,268
FHLB advances $183,664
Loans and leases held for sale $315,025
Unused loan commitments $1,739
Tier 1 (core) risk-based capital $1,739
Tier 2 risk-based capital $27,304
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $30,261
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,398
Total interest expense $2,557
Net interest income $10,841
Provision for loan and lease losses $250
Total noninterest income $1,210
Fiduciary activities $0
Service charges on deposit accounts $703
Trading account gains & fees $0
Additional noninterest income $507
Total noninterest expense $7,203
Salaries and employee benefits $4,153
Premises and equipment expense $895
Additional noninterest expense $2,155
Pre-tax net operating income $4,598
Securities gains (losses) $97
Applicable income taxes $67
Income before extraordinary items $4,628
Extraordinary gains - net $0
Net income attributable to bank $4,628
Net charge-offs $0
Cash dividends $4,628
Sale, conversion, retirement of capital stock, net $146
Net operating income $4,450
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.57%
Cost of funding earning assets 0.87%
Net interest margin 3.70%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 2.46%
Net operating income to assets 1.43%
Return on assets (ROA) 1.46%
Pretax return on assets 1.48%
Return on equity (ROE) 14.59%
Retained earnings to average equity (YTD only) 0.56%
Net charge-offs to loans 0.09%
Credit loss provision to net charge-offs 171.23%
Efficiency ratio33.21%
Assets per employee$59,771
Cash dividends to net income (YTD only)4.25%
Condition Ratios (%)
Loss allowance to loans 96.15%
Loss allowance to noncurrent loans 1.83%
Noncurrent assets plus other real estate owned to assets 782.28%
Noncurrent loans to loans 0.18%
Net loans and leases to deposits0.23%
Net loans and leases to core deposits 63.12%
Equity capital to assets 69.54%
Core capital (leverage) ratio 10.15%
Tier 1 risk-based capital ratio 8.67%
Total risk-based capital ratio 14.87%
Average assets$16
Average earning assets$316,791
Average equity $31,716
Average loans $292,938
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5 Nebraska Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
017387Points West Community Bank809 Illinois Street, Sidney, NE 69162September 15, 1980Full Service Brick and Mortar
17334Dalton Branch301 Main Street, Dalton, NE 69131January 01, 1908Full Service Brick and Mortar
23668Kimball Branch201 Chestnut Street, Kimball, NE 69145September 01, 1917Full Service Brick and Mortar
39152Chappell Branch774 2nd St, Chappell, NE 69129Febuary 11, 1919Full Service Brick and Mortar
8456182I-80 Branch420 Glover Road, Sidney, NE 69162July 31, 2006Full Service Brick and Mortar
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4 Wyoming Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
4379Torrington Branch2234 Main Street, Torrington, WY 82240January 01, 1934Full Service Brick and Mortar
516035Lingle BranchThird And Main Streets, Lingle, WY 82223August 20, 1979Full Service Brick and Mortar
6362214Pine Bluffs Branch205 West 2nd, Pine Bluffs, WY 82082August 14, 2000Full Service Brick and Mortar
7362215Douglas Branch1632 East Richards, Douglas, WY 82633April 09, 2001Full Service Brick and Mortar
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