University Bank (KS)

University Bank (KS) is headquartered in Pittsburg and is the 119^st largest bank in the state of Kansas. It is also the 4,721^st largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 29 employees at 2 locations. University Bank (KS) has a 4-star health rating.

Data for Q1 2012

Institution Statistics University Bank FDIC Certificate # 34985 BankRate Report View Year Established 1999 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $109.63 million Loans $82.61 million Deposits $87.18 million Equity Capital $12.53 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $1.56 million Real Estate Owned $1.08 million Historic Data - March 2011 Assets $100.97 million Equity Capital $11.49 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $1.12 million Real Estate Owned $2.35 million Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 1.19% Return on Equity 10.29% Interest Income $1.30 million

Institution Health Overall Score: 4 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 University Bank (KS) had $2.64 million in non-current loans and owned real-estate with $14.18 million in equity and loan loss allowances on hand to cover it. This gives University Bank (KS) a Texas Ratio of 18.60% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for University Bank (KS) decreased slightly from 27.13% as of March 31, 2011 to 18.60% as of March 31, 2012, resulting in a positive change of 31.42%.This indicates that the balance sheet and financial strength for University Bank (KS) has improved slightly in recent periods. Deposit Growth In the past year, University Bank (KS) has increased its total deposits by $6.8 million, resulting in 8.45% 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 University Bank (KS) has shown is excellent. 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. University Bank (KS) has $109.63 million in assets with $14.18 million in equity, resulting in a capitalization level of 12.93%, which is excellent.

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