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University National Bank of Lawrence, The

Lawrence, KS · Cert 32606

FDIC · 1 branch

Q4 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

University National Bank of Lawrence, The

Lawrence, KS · Cert 32606

FDIC · 1 branch

Q4 2021

$104.0MAssets
$47.6MLoans
$96.3MDeposits
$7.7MEquity
Loan mix
90%RE $38.0M8%C&I $3.2M2%Consumer $0.9MQ4 2020Q4 2021
Deposit mix
72%Interest-bearing $69.3M28%Noninterest $27.0MQ4 2020Q4 2021

NIM

4.35%Q4 ’194.19%Q4 ’203.23%Q4 ’210%-22%

Non-interest income vs. expense

3.02%Q4 ’193.07%Q4 ’202.93%Q4 ’21+14%-10%

Market Position · Lawrence, KS · 2021 SOD (annual) · 2.4% share · #10 of 22 inst. · $0.1B of $3.5B

Executive Summary

  • Earnings: ROA of 0.35%, down 56 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.00% of loans (-15 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 8.53%, down 52 bps from a year ago.
  • Funding: loans stand at 49.41% of deposits as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

0.35%-56 bps YoY

Net Interest Margin (YTD, annualized)

2.99%-83 bps YoY

Efficiency Ratio (YTD, annualized)

88.63%+1,122 bps YoY

Tier 1 Leverage Ratio

8.53%-52 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets0.91%1.49%1.06%0.91%0.35%-56 bps
Return on Equity9.58%16.40%11.77%10.15%4.07%-551 bps
Net Interest Margin3.82%3.77%3.31%3.08%2.99%-83 bps
Efficiency Ratio77.40%64.92%71.61%74.15%88.63%+1,122 bps
Non-Interest Burden2.91%2.25%2.25%2.18%2.62%-29 bps
Growth
Asset Growth (YoY)10.17%13.08%6.50%8.50%21.48%+1,131 bps
Loan Growth (YoY)-6.75%-12.92%-15.33%-13.65%-19.80%-1,304 bps
Deposit Growth (YoY)11.20%13.91%6.96%9.27%23.85%+1,265 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.10%0.09%0.04%0.00%-15 bps
Net Charge-Offs / Loans0.03%0.20%0.09%0.06%-0.05%-8 bps
Allowance / Loans1.47%1.47%1.48%1.53%1.78%+31 bps
Allowance Coverage of NPLs9.9x14.8x16.6x38.5xn/an/a
Capital
Tier 1 Leverage Ratio9.05%9.05%8.67%8.49%8.53%-52 bps
Total Risk-Based Capital18.02%18.96%19.72%20.08%8.53%-948 bps
Equity / Assets9.15%9.04%8.83%8.94%7.42%-173 bps
Liquidity & Funding
Loans / Deposits76.30%70.01%68.46%66.79%49.41%-2,689 bps
Liquid Assets / Assets27.32%31.10%32.93%34.39%30.20%+288 bps
CRE / Total Capitaln/an/an/an/an/an/an/a