Points West Community Bank in Julesburg, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Points West Community Bank - Overview

  • General
  • FDIC Certificate #: 3031
    Status: Active
    Federal Reserve ID: 444556
    Bank Holding Company (Regulatory Top Holder): First Nebraska Bancs, Inc. (RSSDID: 1051081, Location: Sidney, NE)
    Date Established: January 01, 1906
    WWW: http://www.pwcbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 15775
    FDIC's unique #: 1928
    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: January 01, 1934
    Last Structure Change Effective Date: July 08, 2011
    Last Structure Change Process Date: July 11, 2011
    Last Data Update: July 11, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 East Third Street, Julesburg, CO 80737
    County: Sedgwick
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Denver
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $197.1 mil
    Equity capital: $19.1 mil
    Deposits held in domestic offices: $169.9 mil
    Return on assets (ROA): 2.47% ($4.9 mil)
    Quarterly return on assets: 1.83% ($3.6 mil)
    Return on Equity (ROE): 25.59% ($4.9 mil)
    Quarterly return on equity: 18.96% ($3.6 mil)
    Net income: $4.0 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 2.47% ($4,869.4 mil)
    Quarterly Pretax return on assets: 1.83% ($3,607.7 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
  • 41Total employees (full-time equivalent)
  • $197,142Total assets
  • $5,150Cash and due from depository institutions
  • $1,467Interest-bearing balances
  • $78,809Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $103,593Net loans & leases
  • $1,853Loan loss allowance
  • $0Trading account assets
  • $3,913Bank premises and fixed assets
  • $802Other real estate owned
  • $1,116Goodwill and other intangibles
  • $197,142Life insurance assets
  • $3,759All other assets
  • $178,025Total liabilities and capital
  • $169,873Total liabilities
  • $144,207Total deposits
  • $169,873Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 1225.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,493Trading liabilities
  • $0Other borrowed funds
  • $434Subordinated debt
  • $19,117All other liabilities
  • $19,117Total equity capital
  • $19,117Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $10,535Surplus
  • $8,432Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,512Income earned, not collected on loans
  • $0Earning assets
  • $1,780Long-term assets (5+ years)
  • $183,869Average Assets, year-to-date
  • $61,677Average Assets, quarterly
  • $160,415Volatile liabilities
  • $199,097Insider loans
  • $112,020FHLB advances
  • $197,731Loans and leases held for sale
  • $581Unused loan commitments
  • $581Tier 1 (core) risk-based capital
  • $16,505Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,772Restructured Loans and leases
  • $3,247Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,610Total interest income
  • $1,193Total interest expense
  • $6,417Net interest income
  • $854Provision for loan and lease losses
  • $2,745Total noninterest income
  • $0Fiduciary activities
  • $285Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,460Additional noninterest income
  • $4,380Total noninterest expense
  • $2,138Salaries and employee benefits
  • $507Premises and equipment expense
  • $1,735Additional noninterest expense
  • $3,928Pre-tax net operating income
  • $39Securities gains (losses)
  • $0Applicable income taxes
  • $3,967Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,967Net income attributable to bank
  • $0Net charge-offs
  • $3,967Cash dividends
  • $428Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.28%Net interest margin
  • 1.83%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 2.45%Net operating income to assets
  • 2.47%Return on assets (ROA)
  • 2.47%Pretax return on assets
  • 25.59%Return on equity (ROE)
  • 12.69%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 199.53%Credit loss provision to net charge-offs
  • 11.17%Efficiency ratio
  • 47,228Assets per employee
  • 4.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.42%Loss allowance to loans
  • 1.76%Loss allowance to noncurrent loans
  • 73.77%Noncurrent assets plus other real estate owned to assets
  • 1.68%Noncurrent loans to loans
  • 2.38%Net loans and leases to deposits
  • 60.98%Net loans and leases to core deposits
  • 65.96%Equity capital to assets
  • 9.70%Core capital (leverage) ratio
  • 8.35%Tier 1 risk-based capital ratio
  • 14.73%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $160,415Average earning assets
  • $15,503Average equity
  • $149,851Average loans

List of branches

  • 7 Colorado Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01928Points West Community Bank100 East Third Street, Julesburg, CO 80737January 01, 1906Full Service Brick and Mortar
    2360674Points West Community Bank - Windsor1291 Main Street, Windsor, CO 80550November 01, 2000Full Service Brick and Mortar
    4418980Points West Community Bank - Welling8100 6th Street, Wellington, CO 80549January 27, 2003Full Service Brick and Mortar
    510339Points West Community Bank - Haxtun128 South Colorado Avenue, Haxtun, CO 80731Febuary 19, 1944Full Service Brick and Mortar
    6427713Signature Bank Branch355 Eastman Park Drive, Windsor, CO 80550December 01, 2004Full Service Brick and Mortar
    7458018Signature Bank Greeley Branch6801 W. 20th Street, Greeley, CO 80634January 03, 2007Full Service Brick and Mortar
    8489582Good Samaritan BranchCompassion Drive, Windsor, CO 80550September 08, 2008Full Service Brick and Mortar

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