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University National Bank

Pittsburg, KS · Cert 34985

FDIC · 3 branches

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

Pittsburg, KS · Cert 34985

FDIC · 3 branches

Q3 2015

$114.0MAssets
$72.4MLoans
$92.0MDeposits
$15.8MEquity
Loan mix
61%RE $41.1M36%C&I $24.2M3%Consumer $2.0MQ3 2014Q3 2015
Deposit mix
76%Interest-bearing $70.4M24%Noninterest $21.6MQ3 2014Q3 2015

NIM

4.34%Q3 ’134.13%Q3 ’143.90%Q3 ’15-3%-2%

Non-interest income vs. expense

2.57%Q3 ’132.64%Q3 ’142.69%Q3 ’15+10%+3%

Executive Summary

  • Earnings: ROA of 1.25%, down 11 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.13%.
  • Capital: tier 1 leverage ratio of 13.73%.
  • Funding: loans stand at 78.70% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

1.25%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-7 bps YoY

Efficiency Ratio (YTD, annualized)

67.84%+253 bps YoY

Tier 1 Leverage Ratio

13.73%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.35%1.29%1.41%1.44%1.25%-11 bps
Return on Equity10.51%9.89%10.35%10.59%9.11%-140 bps
Net Interest Margin3.42%3.44%3.47%3.53%3.35%-7 bps
Efficiency Ratio65.31%66.58%64.96%64.16%67.84%+253 bps
Non-Interest Burden2.02%2.10%2.03%2.04%2.08%+6 bps
Growth
Asset Growth (YoY)2.16%0.03%-0.57%2.25%0.43%-172 bps
Loan Growth (YoY)-1.13%-2.68%-2.47%-1.67%-9.33%-820 bps
Deposit Growth (YoY)1.08%1.81%1.87%5.68%3.58%+249 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.47%0.36%-0.43%-0.19%-0.13%-59 bps
Allowance / Loans2.06%2.11%2.23%2.17%2.37%+31 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a13.84%14.08%13.73%n/a
Total Risk-Based Capital18.35%19.00%19.12%19.39%21.64%+329 bps
Equity / Assets13.18%13.52%13.68%13.64%13.87%+68 bps
Liquidity & Funding
Loans / Deposits89.90%87.01%85.06%85.45%78.70%-1,120 bps
Liquid Assets / Assets5.98%8.88%8.17%8.27%24.30%+1,832 bps
CRE / Total Capitaln/an/an/an/an/an/an/a