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Frontier Savings Bank

Council Bluffs, IA · Cert 35432

FDIC · 1 branch

Q4 2018

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: Q4 2018, the quarter ended December 31, 2018, 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: FFIEC Call Report (031/041/051), 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 Savings Bank

Council Bluffs, IA · Cert 35432

FDIC · 1 branch

Q4 2018

$40.8MAssets
$19.7MLoans
$33.5MDeposits
$4.3MEquity
Loan mix
86%RE $13.3M12%C&I $1.9M1%Consumer $0.2MQ4 2017Q4 2018
Deposit mix
76%Interest-bearing $25.6M24%Noninterest $8.0MQ4 2017Q4 2018

NIM

2.68%Q4 ’162.68%Q4 ’173.28%Q4 ’18+0%+18%

Non-interest income vs. expense

3.81%Q4 ’162.86%Q4 ’173.09%Q4 ’18-26%+14%

Market Position · Omaha-Council Bluffs, NE-IA · 2018 SOD (annual) · 0.1% share · #52 of 71 inst. · $0.0B of $32.6B

Executive Summary

  • Earnings: ROA of 0.14%, up 12 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.06%, up 116 bps from a year ago.
  • Funding: loans stand at 58.73% of deposits as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

0.14%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.04%+47 bps YoY

Efficiency Ratio (YTD, annualized)

94.45%-317 bps YoY

Tier 1 Leverage Ratio

11.06%+116 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.02%0.10%0.20%0.18%0.14%+12 bps
Return on Equity0.21%1.04%1.94%1.70%1.37%+116 bps
Net Interest Margin2.57%2.60%2.71%2.89%3.04%+47 bps
Efficiency Ratio97.62%96.56%93.75%94.50%94.45%-317 bps
Non-Interest Burden2.50%2.50%2.51%2.70%2.86%+36 bps
Growth
Asset Growth (YoY)5.04%-2.66%-5.53%-6.69%-4.75%-979 bps
Loan Growth (YoY)13.15%-2.80%-4.92%-4.47%17.87%+472 bps
Deposit Growth (YoY)-1.09%-3.79%0.21%-0.96%-3.83%-273 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.11%1.02%1.11%1.07%0.94%-17 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.90%9.90%10.18%10.88%11.06%+116 bps
Total Risk-Based Capital27.02%25.07%22.93%26.85%23.91%-311 bps
Equity / Assets9.97%10.07%10.78%10.85%10.47%+50 bps
Liquidity & Funding
Loans / Deposits47.92%53.54%49.29%51.70%58.73%+1,081 bps
Liquid Assets / Assets48.84%42.97%43.78%41.80%38.91%-993 bps
CRE / Total Capitaln/an/an/an/an/an/an/a