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)
  • Show street view No street view available for this location

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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The University National Bank of Lawrence.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents