Frontier Bank, FSB

Frontier Bank, FSB is headquartered in Park City and is the 31^st largest bank in the state of Utah. It is also the 2,487^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 63 employees at 5 locations. Frontier Bank, FSB has a 1-star health rating.

Data for Q1 2012

Institution Statistics Frontier Bank, FSB OTS # 14979 FDIC Certificate # 34738 BankRate Report View Year Established 1998 Employees 63 Primary Regulator OCC Assets and Liabilities Assets $259.38 million Loans $159.30 million Deposits $225.16 million Equity Capital $8.56 million Loan Loss Allowance $6.31 million Unbacked Noncurrent Loans $11.74 million Real Estate Owned $5.37 million Historic Data - March 2011 Assets $303.88 million Equity Capital $15.14 million Loan Loss Allowance $4.83 million Unbacked Noncurrent Loans $26.86 million Real Estate Owned $3.93 million Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets -0.99% Return on Equity -29.13% Interest Income $2.70 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 Frontier Bank, FSB had $17.11 million in non-current loans and owned real-estate with $14.87 million in equity and loan loss allowances on hand to cover it. This gives Frontier Bank, FSB a Texas Ratio of 115.12% 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 Frontier Bank, FSB decreased slightly from 154.18% as of March 31, 2011 to 115.12% as of March 31, 2012, resulting in a positive change of 25.34%.This indicates that the balance sheet and financial strength for Frontier Bank, FSB has improved slightly in recent periods. Deposit Growth In the past year, Frontier Bank, FSB has decreased its total deposits by -$37.22 million, resulting in -14.19% 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 Frontier Bank, FSB 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. Frontier Bank, FSB has $259.38 million in assets with $14.87 million in equity, resulting in a capitalization level of 5.73%, which is below average.

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