Points West Community Bank

Points West Community Bank is headquartered in Julesburg and is the 38^th largest bank in the state of Colorado. It is also the 3,120^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 43 employees at 7 locations. Points West Community Bank has a 4-star health rating.

Points West Community Bank Routing Number: 102101360

Data for Q1 2012

Institution Statistics Points West Community Bank FDIC Certificate # 3031 BankRate Report View Year Established 1906 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $199.71 million Loans $96.28 million Deposits $172.68 million Equity Capital $20.05 million Loan Loss Allowance $1.87 million Unbacked Noncurrent Loans $1.73 million Real Estate Owned $956,000 Historic Data - March 2011 Assets $136.33 million Equity Capital $12.95 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $355,000 Real Estate Owned $406,000 Profit Margin - Quarterly Net Interest Margin 4.5% Return on Assets 2.96% Return on Equity 30% Interest Income $2.37 million

Institution Health Overall Score: 4 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 had $2.68 million in non-current loans and owned real-estate with $21.92 million in equity and loan loss allowances on hand to cover it. This gives Points West Community Bank a Texas Ratio of 12.24% which is above average. 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 increased slightly from 5.29% as of March 31, 2011 to 12.24% as of March 31, 2012, resulting in a negative change of 131.36%. This indicates that the balance sheet and financial strength for Points West Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Points West Community Bank has increased its total deposits by $56.21 million, resulting in 48.27% 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 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. Points West Community Bank has $199.71 million in assets with $21.92 million in equity, resulting in a capitalization level of 10.98%, which is above average.

No reviews have been left for this bank yet. Be the first to review.