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

Frontier Bank in Lamar, Colorado (CO)
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Frontier Bank routing number info

Frontier Bank - Overview

General
FDIC Certificate #: 14730
Status: Active
Federal Reserve ID: 191355
Bank Holding Company (Regulatory Top Holder): Whitcorp Financial Company (RSSDID: 1051979, Location: Leoti, KS)
Date Established: August 25, 1934
WWW: http://www.frontierbankco.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 10577
FDIC's unique #: 9213
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: August 25, 1934
Last Structure Change Effective Date: January 01, 2011
Last Structure Change Process Date: January 20, 2011
Last Data Update: January 20, 2011
Data Source Date: April 05, 2012
Location
Address: 200 South Main, Lamar, CO 81052
County: Prowers
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Kansas City
FDIC Field Office: Denver
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
History of Changes
Corrections
Name Change
Change in Primary Regulatory Agency
Financial Summary
Total assets: $209.0 mil
Equity capital: $26.7 mil
Deposits held in domestic offices: $179.8 mil
Return on assets (ROA): 1.86% ($3.9 mil)
Quarterly return on assets: 1.79% ($3.7 mil)
Return on Equity (ROE): 14.75% ($4.0 mil)
Quarterly return on equity: 13.71% ($3.7 mil)
Net income: $3.7 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.86% ($3,887.7 mil)
Quarterly Pretax return on assets: 1.79% ($3,741.4 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
52Total employees (full-time equivalent)
$209,016Total assets
$4,930Cash and due from depository institutions
$3,368Interest-bearing balances
$86,749Securities
$12,060Federal funds sold & reverse repurchase agreements
$99,636Net loans & leases
$2,328Loan loss allowance
$0Trading account assets
$2,899Bank premises and fixed assets
$5Other real estate owned
$0Goodwill and other intangibles
$209,016Life insurance assets
$2,737All other assets
$182,320Total liabilities and capital
$179,831Total liabilities
$146,373Total deposits
$179,831Interest-bearing deposits
$83Deposits held in domestic offices
2000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$151Trading liabilities
$0Other borrowed funds
$338Subordinated debt
$26,696All other liabilities
$26,696Total equity capital
$26,696Total bank equity capital
$0Perpetual preferred stock
$900Common stock
$900Surplus
$24,896Undivided profits
Memoranda
$0Noncurrent loans and leases
$115Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$439Income earned, not collected on loans
$0Earning assets
$1,396Long-term assets (5+ years)
$201,813Average Assets, year-to-date
$82,277Average Assets, quarterly
$200,496Volatile liabilities
$206,947Insider loans
$121,614FHLB advances
$209,733Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$23,202Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,537Restructured Loans and leases
$476Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,315Total interest income
$1,085Total interest expense
$7,230Net interest income
$115Provision for loan and lease losses
$1,092Total noninterest income
$199Fiduciary activities
$494Service charges on deposit accounts
$0Trading account gains & fees
$399Additional noninterest income
$4,636Total noninterest expense
$2,914Salaries and employee benefits
$502Premises and equipment expense
$1,220Additional noninterest expense
$3,571Pre-tax net operating income
$154Securities gains (losses)
$0Applicable income taxes
$3,725Income before extraordinary items
$0Extraordinary gains - net
$3,725Net income attributable to bank
$0Net charge-offs
$3,725Cash dividends
$53Sale, conversion, retirement of capital stock, net
$3,500Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.32%Yield on earning assets
0.56%Cost of funding earning assets
3.75%Net interest margin
0.57%Noninterest income to earning assets
2.41%Noninterest expense to earning assets
1.78%Net operating income to assets
1.86%Return on assets (ROA)
1.86%Pretax return on assets
14.75%Return on equity (ROE)
0.89%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
216.98%Credit loss provision to net charge-offs
69.55%Efficiency ratio
55,708Assets per employee
4.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
93.96%Loss allowance to loans
2.28%Loss allowance to noncurrent loans
530.30%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.43%Net loans and leases to deposits
55.41%Net loans and leases to core deposits
58.62%Equity capital to assets
12.77%Core capital (leverage) ratio
11.06%Tier 1 risk-based capital ratio
19.08%Total risk-based capital ratio
Memoranda
$20Average assets
$200,496Average earning assets
$25,256Average equity
$192,675Average 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
$36,704Managed Assets
1Number of Accounts
$26,522Personal trust and agency accounts
$5,457Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$754Corporate trust and agency accounts
$0Investment management agency accounts
$20,311Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
42Number of Accounts
$0Personal trust and agency accounts
$754Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$10,182Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

6 Colorado Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9213	Frontier Bank	200 South Main, Lamar, CO 81052	August 25, 1934	Full Service Brick and Mortar
1	232054	Motor Bank Branch	400 South Main Street, Lamar, CO 81052	June 28, 1980	Limited Service Facility
3	279849	Burlington Branch	107 South 14th Street, Burlington, CO 80807	January 01, 1901	Full Service Brick and Mortar
4	279850	Springfield Branch	808 Main Street, Springfield, CO 81073	January 01, 1901	Full Service Brick and Mortar
6	364433	Frontier Branch	4115 Outlook Blvd, Pueblo, CO 81008	July 29, 2002	Full Service Brick and Mortar
7	476628	East Spaulding Branch	18 East Spaulding Avenue, Pueblo West, CO 81007	September 22, 2007	Full Service Brick and Mortar

Frontier Bank in Lamar, Colorado (CO)
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 Lamar, Colorado (CO)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 Lamar, Colorado (CO)
Overview, Financial Summary, Detailed Financial Reports, Branches