FDIC Certificate #: 8329 Status: Active Federal Reserve ID: 854258 Bank Holding Company (Regulatory Top Holder): Frontier Holdings, Llc (RSSDID: 3309713, Location: Omaha, NE) Date Established: January 01, 1888 WWW:http://www.penderstate.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15866 FDIC's unique #: 5316 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: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 222 Main Street, Pender, NE 68047 County: Thurston 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $140.7 mil Equity capital: $18.3 mil Deposits held in domestic offices: $114.7 mil Return on assets (ROA): 1.79% ($2.5 mil) Quarterly return on assets: 2.04% ($2.9 mil) Return on Equity (ROE): 13.38% ($2.4 mil) Quarterly return on equity: 15.27% ($2.7 mil) Net income: $2.4 mil Quarterly Net income: $0.7 mil Pretax return on assets: 1.83% ($2,575.4 mil) Quarterly Pretax return on assets: 2.07% ($2,913.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
20Total employees (full-time equivalent)
$140,732Total assets
$6,779Cash and due from depository institutions
$5,026Interest-bearing balances
$8,290Securities
$0Federal funds sold & reverse repurchase agreements
$116,323Net loans & leases
$1,319Loan loss allowance
$0Trading account assets
$494Bank premises and fixed assets
$0Other real estate owned
$6,326Goodwill and other intangibles
$140,732Life insurance assets
$2,520All other assets
$122,470Total liabilities and capital
$114,653Total liabilities
$98,273Total deposits
$114,653Interest-bearing deposits
$86Deposits held in domestic offices
1621.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,667Trading liabilities
$0Other borrowed funds
$529Subordinated debt
$18,262All other liabilities
$18,262Total equity capital
$18,262Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$16,070Surplus
$1,992Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$75Income earned, not collected on loans
$0Earning assets
$1,605Long-term assets (5+ years)
$129,639Average Assets, year-to-date
$28,608Average Assets, quarterly
$135,212Volatile liabilities
$136,574Insider loans
$124,677FHLB advances
$128,035Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,929Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$29,181Restructured Loans and leases
$2,268Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,327Total interest income
$1,634Total interest expense
$4,693Net interest income
$0Provision for loan and lease losses
$168Total noninterest income
$0Fiduciary activities
$111Service charges on deposit accounts
$0Trading account gains & fees
$57Additional noninterest income
$2,392Total noninterest expense
$1,481Salaries and employee benefits
$145Premises and equipment expense
$766Additional noninterest expense
$2,469Pre-tax net operating income
$0Securities gains (losses)
$52Applicable income taxes
$2,417Income before extraordinary items
$0Extraordinary gains - net
$2,417Net income attributable to bank
$0Net charge-offs
$2,417Cash dividends
$0Sale, conversion, retirement of capital stock, net
$2,116Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.08%Yield on earning assets
1.31%Cost of funding earning assets
3.77%Net interest margin
0.14%Noninterest income to earning assets
1.92%Noninterest expense to earning assets
1.79%Net operating income to assets
1.79%Return on assets (ROA)
1.83%Pretax return on assets
13.38%Return on equity (ROE)
1.67%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
48,714Assets per employee
7.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
87.55%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
1758.67%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.06%Net loans and leases to deposits
101.46%Net loans and leases to core deposits
169.10%Equity capital to assets
12.98%Core capital (leverage) ratio
9.32%Tier 1 risk-based capital ratio
9.57%Total risk-based capital ratio
Memoranda
$11Average assets
$135,212Average earning assets
$18,066Average equity
$124,425Average loans
List of branches
1 Nebraska Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5316
Pender State Bank
222 Main Street, Pender, NE 68047
January 01, 1888
Full Service Brick and Mortar
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