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

  • Frontier Bank in Madison, Nebraska (NE)
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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
    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
  • NoIDNameAddressEstablishedService TypeMap
    09839Frontier Bank301 South Main, Madison, NE 68748October 06, 1937Full Service Brick and Mortar
    1419184Norfolk Branch1106 Benjamin Avenue, Suite 100, Norfolk, NE 68701May 19, 2003Full Service Brick and Mortar
    3500323Frontier Bank Lincoln Branch (Glynoa8380 Glynoaks Drive, Lincoln, NE 68506December 14, 2009Full Service Brick and Mortar
    4516206Frontier Bank Omaha Branch17002 Marcy Street, Omaha, NE 68118Febuary 01, 2011Full Service Brick and Mortar

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