University Bank in Pittsburg, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

University Bank - Overview

  • General
  • FDIC Certificate #: 34985
    Status: Active
    Federal Reserve ID: 2726416
    Bank Holding Company (Regulatory Top Holder): University National Bancshares, Inc. (RSSDID: 2738044, Location: Pittsburg, KS)
    Date Established: January 04, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 16003
    FDIC's unique #: 73807
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 04, 1999
    Last Structure Change Effective Date: December 14, 2009
    Last Structure Change Process Date: December 16, 2009
    Last Data Update: December 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1206 South Broadway St, Pittsburg, KS 66762
    County: Crawford
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Pittsburg, KS (#38260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
  • Financial Summary
  • Total assets: $108.6 mil
    Equity capital: $12.7 mil
    Deposits held in domestic offices: $85.4 mil
    Return on assets (ROA): 1.28% ($1.4 mil)
    Quarterly return on assets: 1.22% ($1.3 mil)
    Return on Equity (ROE): 11.30% ($1.5 mil)
    Quarterly return on equity: 10.52% ($1.4 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.34% ($1,455.3 mil)
    Quarterly Pretax return on assets: 1.28% ($1,390.1 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
  • 29Total employees (full-time equivalent)
  • $108,604Total assets
  • $8,693Cash and due from depository institutions
  • $5,440Interest-bearing balances
  • $13,542Securities
  • $40Federal funds sold & reverse repurchase agreements
  • $81,756Net loans & leases
  • $1,548Loan loss allowance
  • $0Trading account assets
  • $1,488Bank premises and fixed assets
  • $1,489Other real estate owned
  • $0Goodwill and other intangibles
  • $108,604Life insurance assets
  • $1,596All other assets
  • $95,938Total liabilities and capital
  • $85,375Total liabilities
  • $73,675Total deposits
  • $85,375Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,393Trading liabilities
  • $0Other borrowed funds
  • $170Subordinated debt
  • $12,666All other liabilities
  • $12,666Total equity capital
  • $12,666Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $5,540Surplus
  • $5,626Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,500Income earned, not collected on loans
  • $0Earning assets
  • $425Long-term assets (5+ years)
  • $100,778Average Assets, year-to-date
  • $15,920Average Assets, quarterly
  • $105,489Volatile liabilities
  • $107,858Insider loans
  • $78,660FHLB advances
  • $109,005Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,603Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,641Restructured Loans and leases
  • $2,508Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,269Total interest income
  • $1,375Total interest expense
  • $3,894Net interest income
  • $367Provision for loan and lease losses
  • $827Total noninterest income
  • $0Fiduciary activities
  • $431Service charges on deposit accounts
  • $0Trading account gains & fees
  • $396Additional noninterest income
  • $2,943Total noninterest expense
  • $1,436Salaries and employee benefits
  • $367Premises and equipment expense
  • $1,140Additional noninterest expense
  • $1,411Pre-tax net operating income
  • $0Securities gains (losses)
  • $62Applicable income taxes
  • $1,349Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,349Net income attributable to bank
  • $0Net charge-offs
  • $1,349Cash dividends
  • $188Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.42%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.03%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 11.30%Return on equity (ROE)
  • 11.30%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 195.21%Credit loss provision to net charge-offs
  • 9.46%Efficiency ratio
  • 62,338Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 103.20%Noncurrent assets plus other real estate owned to assets
  • 2.75%Noncurrent loans to loans
  • 1.80%Net loans and leases to deposits
  • 95.76%Net loans and leases to core deposits
  • 97.65%Equity capital to assets
  • 11.66%Core capital (leverage) ratio
  • 11.56%Tier 1 risk-based capital ratio
  • 16.02%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $105,489Average earning assets
  • $11,939Average equity
  • $97,199Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    073807University Bank1206 South Broadway St, Pittsburg, KS 66762January 04, 1999Full Service Brick and Mortar
    1440181Arma Kansas Branch501 East Washington Street, Arma, KS 66712April 13, 2005Full Service Brick and Mortar

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