Frontier Bank (NE)

Frontier Bank (NE) is headquartered in Madison and is the 64^th largest bank in the state of Nebraska. It is also the 3,810^st largest bank in the nation. It was established in 1937 and as of March of 2012, it had grown to 33 employees at 4 locations. Frontier Bank (NE) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Frontier Bank FDIC Certificate # 15545 BankRate Report View Year Established 1937 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $153.99 million Loans $131.94 million Deposits $129.33 million Equity Capital $17.48 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $1.58 million Real Estate Owned $1.94 million Historic Data - March 2011 Assets $119.34 million Equity Capital $13.89 million Loan Loss Allowance $892,000 Unbacked Noncurrent Loans $302,000 Real Estate Owned $690,000 Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 1.01% Return on Equity 8.79% Interest Income $1.90 million

Institution Health Overall Score: 4 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 (NE) had $3.52 million in non-current loans and owned real-estate with $18.55 million in equity and loan loss allowances on hand to cover it. This gives Frontier Bank (NE) a Texas Ratio of 18.97% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Frontier Bank (NE) increased slightly from 6.71% as of March 31, 2011 to 18.97% as of March 31, 2012, resulting in a negative change of 182.56%. This indicates that the balance sheet and financial strength for Frontier Bank (NE) has declined slightly in recent periods. Deposit Growth In the past year, Frontier Bank (NE) has increased its total deposits by $31.99 million, resulting in 32.86% 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 (NE) has shown is excellent. 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 (NE) has $153.99 million in assets with $18.55 million in equity, resulting in a capitalization level of 12.05%, which is excellent.

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