Points West Community Bank (NE)

Points West Community Bank (NE) is headquartered in Sidney and is the 24^th largest bank in the state of Nebraska. It is also the 1,969^th largest bank in the nation. It was established in 1980 and as of March of 2012, it had grown to 74 employees at 9 locations. Points West Community Bank (NE) has a 5-star health rating.

Data for Q1 2012

Institution Statistics Points West Community Bank FDIC Certificate # 25127 BankRate Report View Year Established 1980 Employees 74 Primary Regulator FDIC Assets and Liabilities Assets $331.61 million Loans $165.79 million Deposits $286.48 million Equity Capital $32.70 million Loan Loss Allowance $3.27 million Unbacked Noncurrent Loans $781,000 Historic Data - March 2011 Assets $320.09 million Equity Capital $30.64 million Loan Loss Allowance $3.12 million Unbacked Noncurrent Loans $1.83 million Real Estate Owned $766,000 Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets 1.41% Return on Equity 14.13% Interest Income $3.25 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 Points West Community Bank (NE) had $781,000 in non-current loans and owned real-estate with $35.97 million in equity and loan loss allowances on hand to cover it. This gives Points West Community Bank (NE) a Texas Ratio of 2.17% 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 Points West Community Bank (NE) decreased significantly from 7.68% as of March 31, 2011 to 2.17% as of March 31, 2012, resulting in a positive change of 71.73%.This indicates that the balance sheet and financial strength for Points West Community Bank (NE) has improved significantly in recent periods. Deposit Growth In the past year, Points West Community Bank (NE) has increased its total deposits by $8.7 million, resulting in 3.13% 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 Points West Community Bank (NE) has shown is above average. 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. Points West Community Bank (NE) has $331.61 million in assets with $35.97 million in equity, resulting in a capitalization level of 10.85%, which is above average.

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