The University National Bank of Lawrence

The University National Bank of Lawrence is headquartered in Lawrence and is the 179^th largest bank in the state of Kansas. It is also the 5,765^th largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 17 employees at 1 location. The University National Bank of Lawrence has a 3-star health rating.

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Data for Q1 2012

Institution Statistics The University National Bank of Lawrence FDIC Certificate # 32606 BankRate Report View Year Established 1988 Employees 17 Primary Regulator OCC Assets and Liabilities Assets $70.28 million Loans $45.33 million Deposits $58.83 million Equity Capital $7.27 million Loan Loss Allowance $1.99 million Unbacked Noncurrent Loans $3.21 million Real Estate Owned $3.02 million Historic Data - March 2011 Assets $83.03 million Equity Capital $8.42 million Loan Loss Allowance $2.90 million Unbacked Noncurrent Loans $2.59 million Real Estate Owned $4.20 million Profit Margin - Quarterly Net Interest Margin 3.43% Return on Assets -0.25% Return on Equity -2.47% Interest Income $712,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The University National Bank of Lawrence had $6.23 million in non-current loans and owned real-estate with $9.26 million in equity and loan loss allowances on hand to cover it. This gives The University National Bank of Lawrence a Texas Ratio of 67.30% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The University National Bank of Lawrence held steady from 60.00% as of March 31, 2011 to 67.30% as of March 31, 2012, resulting in a negative change of 12.18%. This indicates that the balance sheet and financial strength for The University National Bank of Lawrence has held steady in recent periods. Deposit Growth In the past year, The University National Bank of Lawrence has decreased its total deposits by -$9.6 million, resulting in -14.03% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The University National Bank of Lawrence has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The University National Bank of Lawrence has $70.28 million in assets with $9.26 million in equity, resulting in a capitalization level of 13.18%, which is excellent.

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