Five Points Bank of Hastings in Hastings, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Five Points Bank of Hastings in Hastings, Nebraska (NE)
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Five Points Bank of Hastings routing number info

Five Points Bank of Hastings - Overview

  • General
  • FDIC 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
    WWW: http://www.5pointsbank.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 37Total employees (full-time equivalent)
  • $208,586Total assets
  • $32,785Cash and due from depository institutions
  • $30,662Interest-bearing balances
  • $71,043Securities
  • $100Federal funds sold & reverse repurchase agreements
  • $96,991Net loans & leases
  • $1,538Loan loss allowance
  • $0Trading account assets
  • $1,583Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $208,586Life insurance assets
  • $6,084All other assets
  • $191,005Total liabilities and capital
  • $171,692Total liabilities
  • $148,817Total deposits
  • $171,692Interest-bearing deposits
  • $64Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $19,000Trading liabilities
  • $0Other borrowed funds
  • $313Subordinated debt
  • $17,581All other liabilities
  • $17,581Total equity capital
  • $17,581Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $12,815Surplus
  • $4,616Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $44Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $648Income earned, not collected on loans
  • $0Earning assets
  • $1,655Long-term assets (5+ years)
  • $198,796Average Assets, year-to-date
  • $54,566Average Assets, quarterly
  • $196,206Volatile liabilities
  • $201,563Insider loans
  • $128,777FHLB advances
  • $194,442Loans and leases held for sale
  • $1,461Unused loan commitments
  • $1,461Tier 1 (core) risk-based capital
  • $17,581Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,329Restructured Loans and leases
  • $6,301Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,843Total interest income
  • $1,632Total interest expense
  • $6,211Net interest income
  • $300Provision for loan and lease losses
  • $930Total noninterest income
  • $0Fiduciary activities
  • $233Service charges on deposit accounts
  • $0Trading account gains & fees
  • $697Additional noninterest income
  • $3,734Total noninterest expense
  • $1,979Salaries and employee benefits
  • $408Premises and equipment expense
  • $1,347Additional noninterest expense
  • $3,107Pre-tax net operating income
  • $9Securities gains (losses)
  • $666Applicable income taxes
  • $2,450Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,450Net income attributable to bank
  • $0Net charge-offs
  • $2,450Cash dividends
  • $135Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 3.32%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.00%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.25%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 15.03%Return on equity (ROE)
  • 15.03%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 222.22%Credit loss provision to net charge-offs
  • 25.24%Efficiency ratio
  • 52,290Assets per employee
  • 5.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 237.35%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.66%Net loans and leases to deposits
  • 56.49%Net loans and leases to core deposits
  • 59.12%Equity capital to assets
  • 8.43%Core capital (leverage) ratio
  • 9.04%Tier 1 risk-based capital ratio
  • 13.65%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $196,206Average earning assets
  • $16,297Average equity
  • $187,162Average loans

List of branches

  • 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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