Flint Hills Bank of Eskridge

Flint Hills Bank of Eskridge is headquartered in Eskridge and is the 131^st largest bank in the state of Kansas. It is also the 5,048^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 18 employees at 3 locations. Flint Hills Bank of Eskridge has a 5-star health rating.

Data for Q1 2012

Institution Statistics Flint Hills Bank FDIC Certificate # 26340 BankRate Report View Year Established 1985 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $96.50 million Loans $50.47 million Deposits $79.33 million Equity Capital $11.77 million Loan Loss Allowance $1.00 million Historic Data - March 2011 Assets $90.70 million Equity Capital $10.34 million Loan Loss Allowance $1.00 million Unbacked Noncurrent Loans $5,000 Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 1.51% Return on Equity 12.27% Interest Income $969,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Flint Hills Bank of Eskridge had $0 in non-current loans and owned real-estate with $12.77 million in equity and loan loss allowances on hand to cover it. This gives Flint Hills Bank of Eskridge a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Flint Hills Bank of Eskridge has increased its total deposits by $3.76 million, resulting in 4.97% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Flint Hills Bank of Eskridge has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Flint Hills Bank of Eskridge has $96.5 million in assets with $12.77 million in equity, resulting in a capitalization level of 13.23%, which is excellent.

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