Frontenac Bank

Frontenac Bank is headquartered in Earth City and is the 73^rd largest bank in the state of Missouri. It is also the 2,140^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 44 employees at 4 locations. Frontenac Bank has a 1-star health rating.

Frontenac Bank Routing Number: 081018833

Data for Q1 2012

Institution Statistics Frontenac Bank FDIC Certificate # 34986 BankRate Report View Year Established 1999 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $305.55 million Loans $211.55 million Deposits $260.71 million Equity Capital $25.31 million Loan Loss Allowance $7.37 million Unbacked Noncurrent Loans $15.34 million Real Estate Owned $22.32 million Historic Data - March 2011 Assets $369.52 million Equity Capital $32.13 million Loan Loss Allowance $8.19 million Unbacked Noncurrent Loans $12.23 million Real Estate Owned $15.70 million Profit Margin - Quarterly Net Interest Margin 2.94% Return on Assets 0.4% Return on Equity 4.96% Interest Income $3.26 million

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Frontenac Bank had $37.66 million in non-current loans and owned real-estate with $32.68 million in equity and loan loss allowances on hand to cover it. This gives Frontenac Bank a Texas Ratio of 115.25% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Frontenac Bank increased slightly from 69.26% as of March 31, 2011 to 115.25% as of March 31, 2012, resulting in a negative change of 66.39%. This indicates that the balance sheet and financial strength for Frontenac Bank has declined slightly in recent periods. Deposit Growth In the past year, Frontenac Bank has decreased its total deposits by -$36.09 million, resulting in -12.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Frontenac Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Frontenac Bank has $305.55 million in assets with $32.68 million in equity, resulting in a capitalization level of 10.69%, which is above average.