PackageTrendsPeer
Letter portraitLegal landscape

Frontier

Kenmore, NY · Charter 12824

Q2 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2011, the quarter ended June 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Frontier

Kenmore, NY · Charter 12824

Q2 2011

$2.2MAssets
$881KLoans
$2.0MShares
$228KNet Worth

Executive Summary

  • Earnings: ROA of -1.37%, down 46 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.67% of loans (-59 bps YoY).
  • Capital: net worth / assets of 10.41%, down 245 bps from a year ago.
  • Funding: loans stand at 44.98% of shares as of Q2 2011.

Return on Assets (YTD, annualized)

-1.37%-46 bps YoY

Net Interest Margin (YTD, annualized)

2.64%-77 bps YoY

Efficiency Ratio (YTD, annualized)

150.46%+4,245 bps YoY

Net Worth / Assets

10.41%-245 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-3.06%-0.39%-0.67%-0.91%-0.06%-0.89%-0.48%-1.37%-46 bps
Return on Equity-22.19%-2.91%-5.24%-7.06%-0.45%-7.45%-4.31%-13.13%-607 bps
Net Interest Margin3.73%3.38%3.30%3.41%3.11%3.05%2.67%2.64%-77 bps
Efficiency Ratio97.68%80.82%96.06%108.01%101.72%125.63%117.66%150.46%+4,245 bps
Growth
Asset Growth (YoY)5.15%9.14%12.87%12.09%7.90%2.23%2.46%6.94%-515 bps
Loan Growth (YoY)-2.03%-3.94%-0.36%-1.65%-0.16%0.19%-6.20%-9.61%-797 bps
Share Growth (YoY)6.21%10.81%16.36%15.57%10.29%4.45%4.77%10.18%-539 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%1.26%0.57%0.37%0.37%0.67%-59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.63%0.64%0.58%0.60%0.64%0.63%0.59%0.64%+4 bps
Capital
Risk-Based Capital13.78%13.57%12.81%12.87%12.58%11.91%11.07%10.41%-245 bps
Net Worth / Assets13.78%13.57%12.81%12.87%12.58%11.91%11.07%10.41%-245 bps
Liquidity & Funding
Loans / Shares55.31%52.47%55.30%54.83%50.07%50.33%49.50%44.98%-985 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps