The University National Bank of Lawrence in Lawrence, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The University National Bank of Lawrence in Lawrence, Kansas (KS)
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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
    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
  • NoIDNameAddressEstablishedService TypeMap
    045440The University National Bank Of Lawr1400 Kasold Drive, Lawrence, KS 66049November 18, 1988Full Service Brick and Mortar

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