Date: Thu, 18 Dec 1997 10:05:53 GMT Server: Stronghold/1.3 Ben-SSL/1.3 Apache/1.1.1 Content-type: text/html Content-length: 3012 Last-modified: Thu, 11 Dec 1997 16:23:05 GMT Frontier Adjusters of America, Inc. - Annual Report

CORPORATE PROFILE

Frontier Adjusters of America, Inc. and Subsidiaries

Frontier Adjusters of America, Inc., founded in 1957, is a leading provider of insurance adjusting services to insurance companies and self-insured clients. Based in Phoenix, Arizona, Frontier Adjusters has 646 advertised locations in 50 states as well as in Canada. With the exception of 11 Company-owned locations, all are owned and operated by franchisees or licensees who pay Frontier a percentage of gross adjusting fees. Frontier supports these licensees and franchisees with customer referrals, advertising, marketing and promotion. The Company and certain of its franchisees and licensees also provide services to in-house risk managers.


CONTENTS

Message to Shareholders

Selected Financial Data

Map of Locations

Consolidated Financial Statements

Consolidated Balance Sheets
Consolidated Statements of Income
Consolidated Statements of Cash Flow
Consolidated Statements of Stockholders' Equity

Notes to Consolidated Financial Statements

Independent Auditor's Report

Management's Discussion and Analysis of Financial
Condition and Results of Operations

Dividend Policy and Stock Ranges

Officers and Directors

Shareholder Information

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