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Overview / Commentary
100 East Third Street
Julesburg, CO 80737

Points West Community Bank is headquartered in Julesburg and is the 38th largest bank in the state of Colorado. It is also the 2,961st largest bank in the nation. It was established in 1906 and as of December of 2013, it had grown to 43 employees at 7 locations. Points West Community Bank has a A health rating.

Reviews (1)

Points West Community Bank

The staff at Points West Community Bank in Wellington, CO, are some of the most friendly, helpful and knowledgeable people I've experienced in a while. I just cannot say enough good things about them.



Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 December 31, 2013 Points West Community Bank had $853,000 in non-current loans and owned real-estate with $22.27 million in equity and loan loss allowances on hand to cover it. This gives Points West Community Bank a Texas Ratio of 3.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Points West Community Bank decreased dramatically from 7.15% as of December 31, 2012 to 3.83% as of December 31, 2013, resulting in a positive change of 46.43%.This indicates that the balance sheet and financial strength for Points West Community Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Points West Community Bank has decreased its total deposits by $-403,000, resulting in -0.23% 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 average.

Capitalization

GRADE:
B+

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 $207.83 million in assets with $22.27 million in equity, resulting in a capitalization level of 10.71%, which is above average.

Institution Statistics

Overall
FDIC Certificate #3031
Year Established1906
Employees43
Primary RegulatorFDIC
Assets and Liabilities
Assets$207.83 million
Loans$109.53 million
Deposits$173.16 million
Equity Capital$20.22 million
Loan Loss Allowance$2.05 million
Unbacked Noncurrent Loans$659,000
Real Estate Owned$194,000
Historic Data - December 2012
Assets$202.00 million
Equity Capital$20.97 million
Loan Loss Allowance$1.91 million
Unbacked Noncurrent Loans$659,000
Real Estate Owned$726,000
Profit Margin - Quarterly
Net Interest Margin4.22%
Return on Assets2.38%
Return on Equity23.91%
Interest Income$8.91 million
Rates

Sorry, we do not have rate data for Points West Community Bank

Locations


Points West Community Bank Locations
Points West Community Bank100 East Third StreetJulesburg, CO 80737
Points West Community Bank - Haxtun Branch128 South Colorado AvenueHaxtun, CO 80731
Points West Community Bank - Windsor Branch1291 Main StreetWindsor, CO 80550
Points West Community Bank Water Valley Branch355 Eastman Park DriveWindsor, CO 80550
Points West Community Bank Greeley Branch6801 W. 20th StreetGreeley, CO 80634
Points West Community Bank - Wellington Branch8100 6th StreetWellington, CO 80549
Points West Communtiy Bank Good Samaritan BranchCompassion DriveWindsor, CO 80550