Points West Community Bank Mortgage Rates, Fees & Info

Windsor, CO

LEI: 5493009D7ZK3I86CJC09

Tax ID: 84-0240535

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Points West Community Bank is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    44

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    PENTAGON FEDERAL CREDIT UNION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 11.1%
    PENTAGON FEDERAL CREDIT UNION Conventional home mortgage Incorrect information on your report 1 5.6%
    PENTAGON FEDERAL CREDIT UNION Conventional home mortgage Trouble during payment process 3 16.7%
    PENTAGON FEDERAL CREDIT UNION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 11.1%
    PENTAGON FEDERAL CREDIT UNION Home equity loan or line of credit (HELOC) Trouble during payment process 3 16.7%
    PENTAGON FEDERAL CREDIT UNION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 5.6%
    PENTAGON FEDERAL CREDIT UNION Other type of mortgage Closing on a mortgage 1 5.6%
    PENTAGON FEDERAL CREDIT UNION Other type of mortgage Struggling to pay mortgage 2 11.1%
    PENTAGON FEDERAL CREDIT UNION Other type of mortgage Trouble during payment process 2 11.1%
    PENTAGON FEDERAL CREDIT UNION Other type of mortgage Unable to get your credit report or credit score 1 5.6%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Points West Community Bank 100 East Third Street Julesburg, CO 80737 Full Service B&M $65,160
    Points West Community Bank 128 South Colorado Avenue Haxtun, CO 80731 Full Service B&M $40,590
    Points West Community Bank 1291 Main Street Windsor, CO 80550 Full Service B&M $35,396
    Points West Community Bank 355 Eastman Park Drive Windsor, CO 80550 Full Service B&M $23,162
    Points West Community Bank 6801 W. 20th Street Greeley, CO 80634 Full Service B&M $21,491
    Points West Community Bank 805 Compassion Drive Windsor, CO 80550 Full Service B&M $0
    Points West Community Bank 8100 6th Street Wellington, CO 80549 Full Service B&M $21,085

    For 2018, Points West Community Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $12,360
    Net interest income $10,903
    Total noninterest income $805
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $234
    Trading account gains and fees $0
    Additional Noninterest Income $571
    Pre-tax net operating income $6,149
    Securities gains (or losses, -) $-2
    Income before extraordinary items $6,147
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,147
    Minority interest net income $0
    Net income $6,147
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,149

    Points West Community Bank's gross interest income from loans was $12,360,000.
    Points West Community Bank's net interest income from loans was $10,903,000.
    Points West Community Bank's fee based income from loans was $234,000.
    Points West Community Bank's net income from loans was $6,147,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,457
    Provision for credit losses $113
    Total noninterest expense $5,446
    Salaries and employee benefits $3,173
    Premises and equipment expense $505
    Additional noninterest expense $1,768
    Applicable income taxes $0
    Net charge-offs $-170
    Cash dividends $4,090

    Points West Community Bank's interest expense for loans was $1,457,000.
    Points West Community Bank's payroll and benefits expense were $3,173,000.
    Points West Community Bank's property, plant and equipment expenses $505,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $215,611
    Deposits held in domestic offices $215,611
    Deposits by Individuals, partnerships, and corporations $176,732
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $38,875
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $105,057
    Demand deposits $105,057
    Nontransaction accounts $110,554
    Money market deposit accounts (MMDAs) $34,086
    Other savings deposits (excluding MMDAs) $29,971
    Total time deposits $46,497
    Total time and savings deposits $110,554
    Noninterest-bearing deposits $58,358
    Interest-bearing deposits $157,253
    Retail deposits $205,382
    IRAs and Keogh plan accounts $4,019
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $252,303
    Cash & Balances due from depository institutions $12,581
    Interest-bearing balances $7,034
    Total securities $63,780
    Federal funds sold & reverse repurchase $0
    Net loans and leases $163,429
    Loan and leases loss allowance $3,585
    Trading account assets $0
    Bank premises and fixed assets $3,145
    Other real estate owned $0
    Goodwill and other intangibles $1,058
    All other assets $8,310

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $252,303
    Total Liabilities $226,446
    Total deposits $215,611
    Interest-bearing deposits $157,253
    Deposits held in domestic offices $215,611
    % insured (estimated) $79
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $10,002
    Subordinated debt $0
    All other liabilities $833

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $163,429
    Loan and leases loss allowance $3,585
    Total loans and leases (domestic) $167,014
    All real estate loans $117,466
    Real estate loans in domestic offices $117,466
    Construction and development loans $17,177
    Residential 1-4 family construction $7,372
    Other construction, all land development and other land $9,805
    Loans secured by nonfarm nonresidential properties $49,004
    Nonfarm nonresidential secured by owner-occupied properties $24,031
    Commercial real estate & other non-farm, non-residential $24,973
    Multifamily residential real estate $739
    1-4 family residential loans $21,094
    Farmland loans $29,452
    Loans held in foreign offices $0
    Farm loans $28,709
    Commercial and industrial loans $19,570
    To non-U.S. addressees $0
    Loans to individuals $1,464
    Credit card loans $0
    Related Plans $130
    Consumer Auto Loans $978
    Other loans to individuals $356
    All other loans & leases $61
    Loans to foreign governments and official institutions $0
    Other loans $61
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,031
    Non 1-4 family restructured loans & leases $1,031
    Total loans and leases (foreign) $0

    Points West Community Bank had $163,429,000 of loans outstanding in 2018. $117,466,000 of loans were in real estate loans. $17,177,000 of loans were in development loans. $739,000 of loans were in multifamily mortgage loans. $21,094,000 of loans were in 1-4 family mortgage loans. $28,709,000 of loans were in farm loans. $0 of loans were in credit card loans. $978,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 102 $22,234 $217,980
    Nonfarm, nonresidential loans - <$100k 31 $2,071 $66,806
    Nonfarm, nonresidential loans - $100-250k 23 $2,539 $110,391
    Nonfarm, nonresidential loans - $250k-1MM 48 $17,624 $367,167
    Commercial & Industrial, US addressed loans - <$1MM 216 $9,740 $45,093
    Commercial & Industrial, US addressed loans - <$100k 164 $2,645 $16,128
    Commercial & Industrial, US addressed loans - $100-250k 29 $1,348 $46,483
    Commercial & Industrial, US addressed loans - $250k-1MM 23 $5,747 $249,870
    Farmland loans - <$1MM 87 $12,521 $143,920
    Farmland loans - <$100k 22 $855 $38,864
    Farmland loans - $100-250k 45 $6,028 $133,956
    Farmland loans - $250k-1MM 20 $5,638 $281,900
    Agriculture operations loans - <$1MM 200 $15,345 $76,725
    Agriculture operations loans - <$100k 123 $3,353 $27,260
    Agriculture operations loans - $100-250k 36 $4,117 $114,361
    Agriculture operations loans - $250k-1MM 41 $7,875 $192,073