The University National Bank of Lawrence - Overview
General
FDIC Certificate #: 32606 Status: Active Federal Reserve ID: 1229198 Bank Holding Company (Regulatory Top Holder): Lawrence Financial Corporation (RSSDID: 1918120, Location: Lawrence, KS) Date Established: November 18, 1988 WWW:http://www.unbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 8521 FDIC's unique #: 45440 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: November 18, 1988 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 1400 Kasold Drive, Lawrence, KS 66049 County: Douglas Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Kansas City Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Lawrence, KS (#4150) Core Based Statistical Area (CBSA): Lawrence, KS (#29940) CBSA Metro Statistical Area: Lawrence, KS (#29940)
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $74.6 mil Equity capital: $7.3 mil Deposits held in domestic offices: $63.0 mil Return on assets (ROA): -4.96% (-$3.7 mil) Quarterly return on assets: -3.27% (-$2.5 mil) Return on Equity (ROE): -55.27% (-$3.9 mil) Quarterly return on equity: -38.55% (-$2.7 mil) Net income: -$4.0 mil Quarterly Net income: -$0.6 mil Pretax return on assets: -4.96% (-$3,698.2 mil) Quarterly Pretax return on assets: -2.48% (-$1,849.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$74,560Total assets
$20,646Cash and due from depository institutions
$17,671Interest-bearing balances
$1,002Securities
$0Federal funds sold & reverse repurchase agreements
$48,351Net loans & leases
$2,105Loan loss allowance
$0Trading account assets
$128Bank premises and fixed assets
$2,895Other real estate owned
$0Goodwill and other intangibles
$74,560Life insurance assets
$1,538All other assets
$67,245Total liabilities and capital
$63,039Total liabilities
$50,935Total deposits
$63,039Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$206Subordinated debt
$7,315All other liabilities
$7,315Total equity capital
$7,315Total bank equity capital
$0Perpetual preferred stock
$1,500Common stock
$7,688Surplus
$-1,873Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,724Income earned, not collected on loans
$0Earning assets
$188Long-term assets (5+ years)
$67,024Average Assets, year-to-date
$5,216Average Assets, quarterly
$81,229Volatile liabilities
$74,421Insider loans
$41,058FHLB advances
$72,535Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,975Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,474Restructured Loans and leases
$1,754Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,281Total interest income
$827Total interest expense
$2,454Net interest income
$3,155Provision for loan and lease losses
$399Total noninterest income
$0Fiduciary activities
$98Service charges on deposit accounts
$0Trading account gains & fees
$301Additional noninterest income
$3,725Total noninterest expense
$1,558Salaries and employee benefits
$283Premises and equipment expense
$1,884Additional noninterest expense
-$4,027Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$4,027Income before extraordinary items
$0Extraordinary gains - net
-$4,027Net income attributable to bank
$0Net charge-offs
-$4,027Cash dividends
$3,992Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.47%Yield on earning assets
1.13%Cost of funding earning assets
3.34%Net interest margin
0.54%Noninterest income to earning assets
5.07%Noninterest expense to earning assets
-4.96%Net operating income to assets
-4.96%Return on assets (ROA)
-4.96%Pretax return on assets
-55.27%Return on equity (ROE)
-55.27%Retained earnings to average equity (YTD only)
7.08%Net charge-offs to loans
79.03%Credit loss provision to net charge-offs
-0.22%Efficiency ratio
130,564Assets per employee
4.66%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.17%Loss allowance to noncurrent loans
77.28%Noncurrent assets plus other real estate owned to assets
7.54%Noncurrent loans to loans
5.40%Net loans and leases to deposits
76.70%Net loans and leases to core deposits
80.34%Equity capital to assets
9.81%Core capital (leverage) ratio
9.62%Tier 1 risk-based capital ratio
16.99%Total risk-based capital ratio
Memoranda
$18Average assets
$81,229Average earning assets
$7,286Average equity
$73,444Average loans
List of branches
1 Kansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
45440
The University National Bank Of Lawr
1400 Kasold Drive, Lawrence, KS 66049
November 18, 1988
Full Service Brick and Mortar
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