Call reports 2005
FLINT HILLS BANK — 2005
What FLINT HILLS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 43,719,000 | 42,623,000 | 43,030,000 | 42,134,000 |
| Total loans | 22,799,000 | 22,654,000 | 22,791,000 | 22,101,000 |
| Allowance for loan losses | 347,000 | 356,000 | 358,000 | 364,000 |
| Securities available for sale | 17,525,000 | 18,376,000 | 18,009,000 | 18,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,127,000 | 33,573,000 | 34,057,000 | 33,717,000 |
| Interest-bearing deposits | 31,225,000 | 29,739,000 | 29,867,000 | 29,350,000 |
| Noninterest-bearing deposits | 3,902,000 | 3,834,000 | 4,190,000 | 4,367,000 |
| Equity capital | 3,090,000 | 3,319,000 | 3,314,000 | 3,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 520,000 | 1,050,000 | 1,602,000 | 2,170,000 |
| Interest expense | 191,000 | 397,000 | 618,000 | 860,000 |
| Net interest income | 329,000 | 653,000 | 984,000 | 1,310,000 |
| Noninterest income | 49,000 | 97,000 | 148,000 | 204,000 |
| Noninterest expense | 206,000 | 398,000 | 596,000 | 877,000 |
| Provision for loan losses | 6,000 | 12,000 | 14,000 | 20,000 |
| Pretax income | 169,000 | 343,000 | 525,000 | 620,000 |
| Income tax | 5,000 | 12,000 | 20,000 | 24,000 |
| Net income | 164,000 | 331,000 | 505,000 | 596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,357,000 | 3,416,000 | 3,496,000 | 3,494,000 |
| Total capital | 3,648,000 | 3,702,000 | 3,791,000 | 3,782,000 |
| Risk-weighted assets | 23,230,000 | 22,900,000 | 23,544,000 | 22,977,000 |