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

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
  • 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
  • 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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