Frontier Bank in city_name, state_name - Detailed Financial Reports, Location

Frontier Bank in Madison, Nebraska (NE)
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Frontier Bank routing number info

Frontier Bank - Overview

General
FDIC Certificate #: 15545
Status: Active
Federal Reserve ID: 33857
Bank Holding Company (Regulatory Top Holder): Frontier Holdings, Llc (RSSDID: 3309713, Location: Omaha, NE)
Date Established: October 06, 1937
WWW: http://www.frontbank.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 15948
FDIC's unique #: 9839
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: October 06, 1937
Last Structure Change Effective Date: October 02, 2009
Last Structure Change Process Date: October 08, 2009
Last Data Update: October 08, 2009
Data Source Date: April 05, 2012
Location
Address: 301 South Main, Madison, NE 68748
County: Madison
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Sioux City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Norfolk, NE (#35740)
CBSA Micro Statistical Area: Yes
History of Changes
Name Change
Financial Summary
Total assets: $155.5 mil
Equity capital: $18.1 mil
Deposits held in domestic offices: $117.6 mil
Return on assets (ROA): 0.69% ($1.1 mil)
Quarterly return on assets: 0.81% ($1.3 mil)
Return on Equity (ROE): 5.92% ($1.1 mil)
Quarterly return on equity: 6.98% ($1.3 mil)
Net income: $0.9 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.72% ($1,119.9 mil)
Quarterly Pretax return on assets: 0.81% ($1,259.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
33Total employees (full-time equivalent)
$155,546Total assets
$5,470Cash and due from depository institutions
$194Interest-bearing balances
$8,281Securities
$0Federal funds sold & reverse repurchase agreements
$131,312Net loans & leases
$905Loan loss allowance
$0Trading account assets
$2,340Bank premises and fixed assets
$578Other real estate owned
$3,568Goodwill and other intangibles
$155,546Life insurance assets
$3,997All other assets
$137,438Total liabilities and capital
$117,612Total liabilities
$75,417Total deposits
$117,612Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$19,548Trading liabilities
$0Other borrowed funds
$278Subordinated debt
$18,108All other liabilities
$18,108Total equity capital
$18,108Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$16,877Surplus
$1,031Undivided profits
Memoranda
$0Noncurrent loans and leases
$187Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,899Income earned, not collected on loans
$0Earning assets
$978Long-term assets (5+ years)
$139,787Average Assets, year-to-date
$31,686Average Assets, quarterly
$125,707Volatile liabilities
$138,518Insider loans
$142,057FHLB advances
$129,620Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,899Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22,477Restructured Loans and leases
$769Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,221Total interest income
$2,033Total interest expense
$4,188Net interest income
$265Provision for loan and lease losses
$848Total noninterest income
$13Fiduciary activities
$107Service charges on deposit accounts
$0Trading account gains & fees
$728Additional noninterest income
$3,829Total noninterest expense
$2,264Salaries and employee benefits
$595Premises and equipment expense
$970Additional noninterest expense
$942Pre-tax net operating income
-$43Securities gains (losses)
$28Applicable income taxes
$871Income before extraordinary items
$0Extraordinary gains - net
$871Net income attributable to bank
$0Net charge-offs
$871Cash dividends
$202Sale, conversion, retirement of capital stock, net
$318Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.48%Yield on earning assets
1.79%Cost of funding earning assets
3.69%Net interest margin
0.75%Noninterest income to earning assets
3.37%Noninterest expense to earning assets
0.73%Net operating income to assets
0.69%Return on assets (ROA)
0.72%Pretax return on assets
5.92%Return on equity (ROE)
3.76%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
131.19%Credit loss provision to net charge-offs
5.98%Efficiency ratio
75,496Assets per employee
4.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
36.51%Loss allowance to loans
0.68%Loss allowance to noncurrent loans
31.22%Noncurrent assets plus other real estate owned to assets
2.24%Noncurrent loans to loans
2.19%Net loans and leases to deposits
111.65%Net loans and leases to core deposits
112.99%Equity capital to assets
11.64%Core capital (leverage) ratio
11.49%Tier 1 risk-based capital ratio
10.49%Total risk-based capital ratio
Memoranda
$11Average assets
$125,707Average earning assets
$14,719Average equity
$113,561Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$4,797Managed Assets
1Number of Accounts
$1,593Personal trust and agency accounts
$1,593Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
31Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$3,204Other retirement accounts
$3,204Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Nebraska Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9839	Frontier Bank	301 South Main, Madison, NE 68748	October 06, 1937	Full Service Brick and Mortar
1	419184	Norfolk Branch	1106 Benjamin Avenue, Suite 100, Norfolk, NE 68701	May 19, 2003	Full Service Brick and Mortar
3	500323	Frontier Bank Lincoln Branch (Glynoa	8380 Glynoaks Drive, Lincoln, NE 68506	December 14, 2009	Full Service Brick and Mortar
4	516206	Frontier Bank Omaha Branch	17002 Marcy Street, Omaha, NE 68118	Febuary 01, 2011	Full Service Brick and Mortar

Frontier Bank in Madison, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches

Frontier Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Frontier Bank in Madison, Nebraska (NE)Overview, Financial Summary, Detailed Financial Reports, Branches

Frontier Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Frontier Bank in Madison, Nebraska (NE)
Overview, Financial Summary, Detailed Financial Reports, Branches