NEW FRONTIER BANK in Saint Charles, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • General
  • FDIC Certificate #: 35597
    Status: Active
    Federal Reserve ID: 2917184
    Bank Holding Company (Regulatory Top Holder): New Frontier Bancshares, Inc. (RSSDID: 2934837, Location: Saint Charles, MO)
    Date Established: October 16, 2000
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 291929
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 16, 2000
    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: 1771 Zumbehl Road, Saint Charles, MO 63303
    County: St. Charles
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $134.9 mil
    Equity capital: $14.0 mil
    Deposits held in domestic offices: $120.2 mil
    Return on assets (ROA): -0.69% (-$0.9 mil)
    Quarterly return on assets: -0.35% (-$0.5 mil)
    Return on Equity (ROE): -6.44% (-$0.9 mil)
    Quarterly return on equity: -3.39% (-$0.5 mil)
    Net income: -$0.9 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -1.14% (-$1,537.7 mil)
    Quarterly Pretax return on assets: -0.63% (-$849.8 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
  • 38Total employees (full-time equivalent)
  • $134,887Total assets
  • $6,757Cash and due from depository institutions
  • $4,589Interest-bearing balances
  • $13,097Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $94,883Net loans & leases
  • $4,769Loan loss allowance
  • $0Trading account assets
  • $6,048Bank premises and fixed assets
  • $7,888Other real estate owned
  • $32Goodwill and other intangibles
  • $134,887Life insurance assets
  • $6,182All other assets
  • $120,926Total liabilities and capital
  • $120,195Total liabilities
  • $101,570Total deposits
  • $120,195Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $500Trading liabilities
  • $0Other borrowed funds
  • $231Subordinated debt
  • $13,961All other liabilities
  • $13,961Total equity capital
  • $13,961Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $12,440Surplus
  • $-1,479Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,845Income earned, not collected on loans
  • $0Earning assets
  • $340Long-term assets (5+ years)
  • $112,569Average Assets, year-to-date
  • $28,988Average Assets, quarterly
  • $135,423Volatile liabilities
  • $134,352Insider loans
  • $106,819FHLB advances
  • $132,991Loans and leases held for sale
  • $2,994Unused loan commitments
  • $2,994Tier 1 (core) risk-based capital
  • $12,009Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,655Restructured Loans and leases
  • $6,095Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,175Total interest income
  • $1,270Total interest expense
  • $4,905Net interest income
  • $2,250Provision for loan and lease losses
  • $1,010Total noninterest income
  • $0Fiduciary activities
  • $422Service charges on deposit accounts
  • $0Trading account gains & fees
  • $588Additional noninterest income
  • $5,239Total noninterest expense
  • $2,479Salaries and employee benefits
  • $730Premises and equipment expense
  • $2,030Additional noninterest expense
  • -$1,574Pre-tax net operating income
  • $35Securities gains (losses)
  • -$608Applicable income taxes
  • -$931Income before extraordinary items
  • $0Extraordinary gains - net
  • -$931Net income attributable to bank
  • $0Net charge-offs
  • -$931Cash dividends
  • $178Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.41%Yield on earning assets
  • 1.11%Cost of funding earning assets
  • 4.30%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 4.59%Noninterest expense to earning assets
  • -0.70%Net operating income to assets
  • -0.69%Return on assets (ROA)
  • -1.14%Pretax return on assets
  • -6.44%Return on equity (ROE)
  • -6.44%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 1264.04%Credit loss provision to net charge-offs
  • 3.80%Efficiency ratio
  • 88,571Assets per employee
  • 3.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.79%Loss allowance to noncurrent loans
  • 43.97%Noncurrent assets plus other real estate owned to assets
  • 13.89%Noncurrent loans to loans
  • 10.88%Net loans and leases to deposits
  • 78.94%Net loans and leases to core deposits
  • 82.48%Equity capital to assets
  • 10.35%Core capital (leverage) ratio
  • 9.03%Tier 1 risk-based capital ratio
  • 11.24%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $135,423Average earning assets
  • $14,460Average equity
  • $114,147Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0291929New Frontier Bank1771 Zumbehl Road, Saint Charles, MO 63303October 16, 2000Full Service Brick and Mortar
    1433527O'fallon Branch5000 Winghaven Boulevard, O Fallon, MO 63368November 29, 2004Full Service Brick and Mortar
    2467057Elm Branch3773 Elm Street, Saint Charles, MO 63301January 02, 2007Full Service Brick and Mortar

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