Flint Hills Bank in Eskridge, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Flint Hills Bank - Overview

  • General
  • FDIC Certificate #: 26340
    Status: Active
    Federal Reserve ID: 837952
    Date Established: July 18, 1985
    WWW: http://www.flinthillsbankofeskridge.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 52937
    FDIC's unique #: 32867
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: July 18, 1985
    Last Structure Change Effective Date: Febuary 22, 2012
    Last Structure Change Process Date: March 13, 2012
    Last Data Update: March 13, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 103 1/2 North Main Street, Eskridge, KS 66423
    County: Wabaunsee
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Wichita
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Topeka, KS (#45820)
    CBSA Metro Statistical Area: Topeka, KS (#45820)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $93.0 mil
    Equity capital: $11.6 mil
    Deposits held in domestic offices: $76.7 mil
    Return on assets (ROA): 1.79% ($1.7 mil)
    Quarterly return on assets: 1.53% ($1.4 mil)
    Return on Equity (ROE): 15.11% ($1.8 mil)
    Quarterly return on equity: 12.30% ($1.5 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.88% ($1,748.4 mil)
    Quarterly Pretax return on assets: 1.60% ($1,488.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 18Total employees (full-time equivalent)
  • $92,998Total assets
  • $1,228Cash and due from depository institutions
  • $0Interest-bearing balances
  • $41,367Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $48,095Net loans & leases
  • $1,003Loan loss allowance
  • $0Trading account assets
  • $685Bank premises and fixed assets
  • $0Other real estate owned
  • $240Goodwill and other intangibles
  • $92,998Life insurance assets
  • $1,383All other assets
  • $81,428Total liabilities and capital
  • $76,742Total liabilities
  • $65,899Total deposits
  • $76,742Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,500Trading liabilities
  • $0Other borrowed funds
  • $186Subordinated debt
  • $11,570All other liabilities
  • $11,570Total equity capital
  • $11,570Total bank equity capital
  • $0Perpetual preferred stock
  • $470Common stock
  • $4,260Surplus
  • $6,840Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $601Long-term assets (5+ years)
  • $89,462Average Assets, year-to-date
  • $28,742Average Assets, quarterly
  • $92,117Volatile liabilities
  • $92,986Insider loans
  • $51,958FHLB advances
  • $92,248Loans and leases held for sale
  • $182Unused loan commitments
  • $182Tier 1 (core) risk-based capital
  • $10,115Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,857Restructured Loans and leases
  • $71Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,014Total interest income
  • $867Total interest expense
  • $3,147Net interest income
  • $0Provision for loan and lease losses
  • $397Total noninterest income
  • $0Fiduciary activities
  • $237Service charges on deposit accounts
  • $0Trading account gains & fees
  • $160Additional noninterest income
  • $1,956Total noninterest expense
  • $1,001Salaries and employee benefits
  • $186Premises and equipment expense
  • $769Additional noninterest expense
  • $1,588Pre-tax net operating income
  • $143Securities gains (losses)
  • $81Applicable income taxes
  • $1,650Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,650Net income attributable to bank
  • $0Net charge-offs
  • $1,650Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.21%Noninterest expense to earning assets
  • 1.64%Net operating income to assets
  • 1.79%Return on assets (ROA)
  • 1.88%Pretax return on assets
  • 15.11%Return on equity (ROE)
  • 7.78%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 50,677Assets per employee
  • 5.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.48%Loss allowance to loans
  • 2.04%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 62.67%Net loans and leases to core deposits
  • 72.01%Equity capital to assets
  • 12.44%Core capital (leverage) ratio
  • 10.97%Tier 1 risk-based capital ratio
  • 19.47%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $92,117Average earning assets
  • $10,921Average equity
  • $88,601Average loans

List of branches

  • 3 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032867Flint Hills Bank103 1/2 North Main Street, Eskridge, KS 66423July 18, 1985Full Service Brick and Mortar
    3259130Osage City Branch913 Market Street, Osage City, KS 66523December 09, 1998Full Service Brick and Mortar
    4469757Hartford Branch208 Commercial Street, Hartford, KS 66854December 13, 2007Full Service Brick and Mortar

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