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Frontier Bank, Performance and Condition Ratios
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 6,721 |
| Cost of funding earning assets | 2.3021% | 433 |
| Net interest margin | 2.2320% | 7,632 |
| Noninterest income to average assets | -0.6199% | 7,873 |
| Noninterest expense to average assets | 2.8407% | 4,316 |
| Loan and lease loss provision to assets | 3.7561% | 243 |
| Net operating income to assets | -5.2683% | 7,795 |
| Return on assets (ROA) | -5.2683% | 7,799 |
| Pretax return on assets | -5.2683% | 7,778 |
| Return on Equity (ROE) | -466.0685% | 7,918 |
| Retained earnings to average equity (ytd only) | -466.0685% | 7,918 |
| Net charge-offs to loans | 9.6906% | 61 |
| Credit loss provision to net charge-offs | 47.8786% | 4,519 |
| Earnings coverage of net charge-offs (x) | -0.1928% | 5,160 |
| Efficiency ratio | 213.7200% | 86 |
| Assets per employee ($millions) | 4.6044% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3584% | 279 |
| Loan loss allowance to noncurrent loans | 17.2815% | 7,138 |
| Noncurrent assets plus other real estate owned to assets | 26.5956% | 18 |
| Noncurrent loans to loans | 25.2200% | 35 |
| Net loans and leases to total assets | 78.5588% | 1,049 |
| Net loans and leases to deposits | 89.7029% | 1,947 |
| Net loans and leases to core deposits | 105.2534% | 1,639 |
| Total domestic deposits to total assets | 87.5767% | 2,313 |
| Equity capital to assets | 0.5007% | 7,914 |
| Core capital (leverage) ratio | 0.4294% | 7,915 |
| Tier 1 risk-based capital ratio | 0.5443% | 7,915 |
| Total risk-based capital ratio | 1.0886% | 7,915 |
| Memoranda: | ||
| Average total assets | $3,421,428,500 | 230 |
| Average earning assets | $2,986,512,500 | 233 |
| Average equity | $38,675,000 | 1,735 |
| Average total loans | $2,769,808,000 | 194 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 6,716 |
| Cost of funding earning assets | 2.5807% | 825 |
| Net interest margin | 2.3164% | 7,580 |
| Noninterest income to average assets | 0.2289% | 6,474 |
| Noninterest expense to average assets | 2.3565% | 6,583 |
| Loan and lease loss provision to assets | 9.5998% | 17 |
| Net operating income to assets | -7.2879% | 7,910 |
| Return on assets (ROA) | -7.2899% | 7,901 |
| Pretax return on assets | -9.5940% | 7,963 |
| Return on Equity (ROE) | -128.5705% | 7,973 |
| Retained earnings to average equity (ytd only) | -128.5705% | 7,973 |
| Net charge-offs to loans | 9.9940% | 39 |
| Credit loss provision to net charge-offs | 111.5011% | 4,926 |
| Earnings coverage of net charge-offs (x) | 0.0010% | 6,193 |
| Efficiency ratio | 99.5877% | 1,124 |
| Assets per employee ($millions) | 5.1537% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2744% | 144 |
| Loan loss allowance to noncurrent loans | 21.4617% | 6,984 |
| Noncurrent assets plus other real estate owned to assets | 24.3555% | 26 |
| Noncurrent loans to loans | 24.5759% | 37 |
| Net loans and leases to total assets | 75.6698% | 1,885 |
| Net loans and leases to deposits | 86.9672% | 2,743 |
| Net loans and leases to core deposits | 118.4388% | 2,086 |
| Total domestic deposits to total assets | 87.0097% | 2,504 |
| Equity capital to assets | 1.7002% | 7,967 |
| Core capital (leverage) ratio | 1.6451% | 7,968 |
| Tier 1 risk-based capital ratio | 2.0938% | 7,968 |
| Total risk-based capital ratio | 3.3798% | 7,969 |
| Memoranda: | ||
| Average total assets | $3,917,702,400 | 213 |
| Average earning assets | $3,612,656,000 | 208 |
| Average equity | $222,131,000 | 322 |
| Average total loans | $3,374,993,800 | 173 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 6,892 |
| Cost of funding earning assets | 2.6191% | 985 |
| Net interest margin | 2.2787% | 7,669 |
| Noninterest income to average assets | 0.3538% | 5,666 |
| Noninterest expense to average assets | 2.2348% | 6,886 |
| Loan and lease loss provision to assets | 9.2012% | 28 |
| Net operating income to assets | -7.3558% | 7,991 |
| Return on assets (ROA) | -7.3586% | 7,991 |
| Pretax return on assets | -8.9594% | 8,024 |
| Return on Equity (ROE) | -112.1502% | 8,031 |
| Retained earnings to average equity (ytd only) | -112.1502% | 8,030 |
| Net charge-offs to loans | 9.3793% | 55 |
| Credit loss provision to net charge-offs | 112.0471% | 4,532 |
| Earnings coverage of net charge-offs (x) | 0.0299% | 6,022 |
| Efficiency ratio | 90.0600% | 1,685 |
| Assets per employee ($millions) | 5.4431% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5138% | 207 |
| Loan loss allowance to noncurrent loans | 17.5477% | 7,219 |
| Noncurrent assets plus other real estate owned to assets | 24.2214% | 23 |
| Noncurrent loans to loans | 25.7228% | 29 |
| Net loans and leases to total assets | 79.8796% | 1,193 |
| Net loans and leases to deposits | 93.1720% | 2,032 |
| Net loans and leases to core deposits | 124.3550% | 1,869 |
| Total domestic deposits to total assets | 85.7334% | 2,841 |
| Equity capital to assets | 3.3391% | 8,026 |
| Core capital (leverage) ratio | 3.1855% | 8,022 |
| Tier 1 risk-based capital ratio | 4.0581% | 8,026 |
| Total risk-based capital ratio | 5.3502% | 8,030 |
| Memoranda: | ||
| Average total assets | $3,999,097,250 | 219 |
| Average earning assets | $3,731,544,000 | 212 |
| Average equity | $262,395,000 | 289 |
| Average total loans | $3,501,366,500 | 173 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 6,755 |
| Cost of funding earning assets | 2.6522% | 1,157 |
| Net interest margin | 2.3518% | 7,623 |
| Noninterest income to average assets | 0.3840% | 5,428 |
| Noninterest expense to average assets | 2.2171% | 7,016 |
| Loan and lease loss provision to assets | 6.6614% | 108 |
| Net operating income to assets | -4.0294% | 7,835 |
| Return on assets (ROA) | -4.0326% | 7,833 |
| Pretax return on assets | -6.2917% | 7,963 |
| Return on Equity (ROE) | -53.3857% | 7,938 |
| Retained earnings to average equity (ytd only) | -53.3857% | 7,934 |
| Net charge-offs to loans | 8.2778% | 97 |
| Credit loss provision to net charge-offs | 90.6686% | 4,903 |
| Earnings coverage of net charge-offs (x) | 0.0510% | 5,624 |
| Efficiency ratio | 85.4944% | 2,289 |
| Assets per employee ($millions) | 5.6317% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8857% | 624 |
| Loan loss allowance to noncurrent loans | 12.8904% | 7,431 |
| Noncurrent assets plus other real estate owned to assets | 20.5695% | 37 |
| Noncurrent loans to loans | 22.3865% | 38 |
| Net loans and leases to total assets | 83.3245% | 739 |
| Net loans and leases to deposits | 101.9422% | 1,077 |
| Net loans and leases to core deposits | 133.7671% | 1,326 |
| Total domestic deposits to total assets | 81.7370% | 4,801 |
| Equity capital to assets | 6.6283% | 7,777 |
| Core capital (leverage) ratio | 6.4915% | 7,797 |
| Tier 1 risk-based capital ratio | 7.8593% | 7,926 |
| Total risk-based capital ratio | 9.1307% | 7,941 |
| Memoranda: | ||
| Average total assets | $4,076,583,330 | 214 |
| Average earning assets | $3,826,860,670 | 207 |
| Average equity | $307,936,330 | 256 |
| Average total loans | $3,618,154,000 | 174 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1695% | 6,417 |
| Cost of funding earning assets | 2.7382% | 1,146 |
| Net interest margin | 2.4313% | 7,585 |
| Noninterest income to average assets | 0.4004% | 5,208 |
| Noninterest expense to average assets | 2.0802% | 7,162 |
| Loan and lease loss provision to assets | 5.6678% | 133 |
| Net operating income to assets | -3.1842% | 7,869 |
| Return on assets (ROA) | -3.1815% | 7,872 |
| Pretax return on assets | -5.0463% | 7,990 |
| Return on Equity (ROE) | -39.7663% | 7,984 |
| Retained earnings to average equity (ytd only) | -39.7663% | 7,962 |
| Net charge-offs to loans | 6.4002% | 138 |
| Credit loss provision to net charge-offs | 98.1986% | 3,838 |
| Earnings coverage of net charge-offs (x) | 0.1069% | 4,896 |
| Efficiency ratio | 77.0702% | 3,322 |
| Assets per employee ($millions) | 5.3600% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0464% | 458 |
| Loan loss allowance to noncurrent loans | 16.9798% | 7,314 |
| Noncurrent assets plus other real estate owned to assets | 16.2810% | 59 |
| Noncurrent loans to loans | 17.9415% | 53 |
| Net loans and leases to total assets | 85.5220% | 496 |
| Net loans and leases to deposits | 105.6181% | 898 |
| Net loans and leases to core deposits | 136.5093% | 1,270 |
| Total domestic deposits to total assets | 80.9729% | 4,984 |
| Equity capital to assets | 7.5581% | 7,301 |
| Core capital (leverage) ratio | 7.3696% | 7,301 |
| Tier 1 risk-based capital ratio | 8.8523% | 7,863 |
| Total risk-based capital ratio | 10.1264% | 7,897 |
| Memoranda: | ||
| Average total assets | $4,124,080,000 | 214 |
| Average earning assets | $3,896,298,500 | 203 |
| Average equity | $329,948,000 | 244 |
| Average total loans | $3,719,121,000 | 171 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2452% | 665 |
| Cost of funding earning assets | 2.9195% | 2,178 |
| Net interest margin | 4.3257% | 1,900 |
| Noninterest income to average assets | 0.4203% | 5,295 |
| Noninterest expense to average assets | 1.8776% | 7,652 |
| Loan and lease loss provision to assets | 3.0213% | 302 |
| Net operating income to assets | -0.2059% | 6,626 |
| Return on assets (ROA) | -0.3009% | 6,598 |
| Pretax return on assets | -0.5070% | 6,659 |
| Return on Equity (ROE) | -3.4311% | 6,678 |
| Retained earnings to average equity (ytd only) | -6.2314% | 6,692 |
| Net charge-offs to loans | 1.6748% | 665 |
| Credit loss provision to net charge-offs | 192.9245% | 2,538 |
| Earnings coverage of net charge-offs (x) | 1.7003% | 5,226 |
| Efficiency ratio | 41.3240% | 8,093 |
| Assets per employee ($millions) | 5.1761% | 1,751 |
| Cash dividends to net income (ytd only)* | -81.6185% | 8,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9787% | 443 |
| Loan loss allowance to noncurrent loans | 25.8616% | 6,946 |
| Noncurrent assets plus other real estate owned to assets | 10.8801% | 131 |
| Noncurrent loans to loans | 11.5177% | 149 |
| Net loans and leases to total assets | 89.4300% | 242 |
| Net loans and leases to deposits | 111.7435% | 720 |
| Net loans and leases to core deposits | 153.7820% | 722 |
| Total domestic deposits to total assets | 80.0315% | 5,005 |
| Equity capital to assets | 8.4483% | 6,176 |
| Core capital (leverage) ratio | 8.5303% | 5,517 |
| Tier 1 risk-based capital ratio | 9.3246% | 7,494 |
| Total risk-based capital ratio | 10.5977% | 7,393 |
| Memoranda: | ||
| Average total assets | $4,024,093,600 | 210 |
| Average earning assets | $3,832,789,200 | 198 |
| Average equity | $352,952,000 | 243 |
| Average total loans | $3,762,822,000 | 169 |