Five Points Bank

Five Points Bank is headquartered in Grand Island and is the 9^th largest bank in the state of Nebraska. It is also the 931^st largest bank in the nation. It was established in 1971 and as of March of 2012, it had grown to 146 employees at 10 locations. Five Points Bank has a 5-star health rating.

Five Points Bank Routing Number: 104901678

Data for Q1 2012

Five Points Bank consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

20488 - Five Points Bank
14312 - Five Points Bank of Hastings

Institution Statistics Five Points Bank FDIC Certificate # 20488 BankRate Report View Year Established 1971 Employees 146 Primary Regulator FED Assets and Liabilities Assets $714.83 million Loans $406.12 million Deposits $600.84 million Equity Capital $72.15 million Loan Loss Allowance $6.24 million Unbacked Noncurrent Loans $473,000 Historic Data - March 2011 Assets $636.09 million Equity Capital $63.49 million Loan Loss Allowance $5.42 million Unbacked Noncurrent Loans $1.29 million Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets 2.23% Return on Equity 22.16% Interest Income $7.11 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Five Points Bank had $473,000 in non-current loans and owned real-estate with $78.39 million in equity and loan loss allowances on hand to cover it. This gives Five Points Bank a Texas Ratio of 0.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Five Points Bank decreased significantly from 1.88% as of March 31, 2011 to 0.60% as of March 31, 2012, resulting in a positive change of 67.87%.This indicates that the balance sheet and financial strength for Five Points Bank has improved significantly in recent periods. Deposit Growth In the past year, Five Points Bank has increased its total deposits by $69.59 million, resulting in 13.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Five Points Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Five Points Bank has $714.83 million in assets with $78.39 million in equity, resulting in a capitalization level of 10.97%, which is above average.

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