Frontier State Bank in Oklahoma City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


Frontier State Bank - Overview

  • General
  • FDIC Certificate #: 21978
    Status: Active
    Federal Reserve ID: 632858
    Date Established: April 14, 1975
    WWW: http://www.frontier-ok.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 #: 9994
    FDIC's unique #: 15237
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 14, 1975
    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: 5100 South Interstate 35, Oklahoma City, OK 73129
    County: Oklahoma
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $548.5 mil
    Equity capital: $61.1 mil
    Deposits held in domestic offices: $341.4 mil
    Return on assets (ROA): 1.85% ($10.2 mil)
    Quarterly return on assets: 0.99% ($5.4 mil)
    Return on Equity (ROE): 17.25% ($10.5 mil)
    Quarterly return on equity: 8.83% ($5.4 mil)
    Net income: $9.8 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 1.85% ($10,147.5 mil)
    Quarterly Pretax return on assets: 0.99% ($5,430.3 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
  • 51Total employees (full-time equivalent)
  • $548,513Total assets
  • $61,218Cash and due from depository institutions
  • $57,495Interest-bearing balances
  • $131,284Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $332,424Net loans & leases
  • $6,108Loan loss allowance
  • $0Trading account assets
  • $5,341Bank premises and fixed assets
  • $7,789Other real estate owned
  • $0Goodwill and other intangibles
  • $548,513Life insurance assets
  • $10,457All other assets
  • $487,366Total liabilities and capital
  • $341,373Total liabilities
  • $302,881Total deposits
  • $341,373Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $145,000Trading liabilities
  • $0Other borrowed funds
  • $993Subordinated debt
  • $61,147All other liabilities
  • $61,147Total equity capital
  • $61,147Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $49,588Surplus
  • $10,759Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $10,399Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,364Income earned, not collected on loans
  • $0Earning assets
  • $1,926Long-term assets (5+ years)
  • $521,203Average Assets, year-to-date
  • $117,360Average Assets, quarterly
  • $529,794Volatile liabilities
  • $546,677Insider loans
  • $364,668FHLB advances
  • $545,089Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $56,521Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $53,377Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,525Total interest income
  • $13,605Total interest expense
  • $13,920Net interest income
  • $1,600Provision for loan and lease losses
  • $3,192Total noninterest income
  • $0Fiduciary activities
  • $329Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,863Additional noninterest income
  • $11,953Total noninterest expense
  • $3,727Salaries and employee benefits
  • $516Premises and equipment expense
  • $7,710Additional noninterest expense
  • $3,559Pre-tax net operating income
  • $6,217Securities gains (losses)
  • $0Applicable income taxes
  • $9,776Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,776Net income attributable to bank
  • $0Net charge-offs
  • $9,776Cash dividends
  • $221Sale, conversion, retirement of capital stock, net
  • $5,050Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.46%Yield on earning assets
  • 2.70%Cost of funding earning assets
  • 2.76%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 1.85%Return on assets (ROA)
  • 1.85%Pretax return on assets
  • 17.25%Return on equity (ROE)
  • 8.34%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 723.98%Credit loss provision to net charge-offs
  • 23.34%Efficiency ratio
  • 69,852Assets per employee
  • 10.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.66%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 39.76%Noncurrent assets plus other real estate owned to assets
  • 4.22%Noncurrent loans to loans
  • 4.54%Net loans and leases to deposits
  • 97.38%Net loans and leases to core deposits
  • 169.46%Equity capital to assets
  • 11.15%Core capital (leverage) ratio
  • 10.37%Tier 1 risk-based capital ratio
  • 15.50%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $529,794Average earning assets
  • $56,673Average equity
  • $504,364Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015237Frontier State Bank5100 South Interstate 35, Oklahoma City, OK 73129April 14, 1975Full Service Brick and Mortar

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