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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 $2.0MQ4 2013Q3 2015
Deposit mix
76%Interest-bearing $70.4M24%Noninterest $21.6MQ4 2013Q3 2015

Executive Summary

  • Earnings: ROA of 0.85%, down 64 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 13.73%.
  • Funding: loans stand at 78.70% of deposits as of Q3 2015.

Return on Assets (quarter, annualized)

0.85%-64 bps YoY

Net Interest Margin (quarter, annualized)

3.24%-20 bps YoY

Efficiency Ratio (quarter, annualized)

75.50%+1,098 bps YoY

Tier 1 Leverage Ratio

13.73%

NIM

4.41%Q3 ’134.13%Q3 ’143.73%Q3 ’15-4%-6%

Non-interest income vs. expense

2.64%Q3 ’132.61%Q3 ’142.91%Q3 ’15+9%+14%

Discrete quarter, annualized.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.07%1.18%1.39%1.49%1.08%1.41%1.48%0.85%-64 bps
Return on Equity8.51%9.34%10.81%11.34%8.08%10.35%10.81%6.18%-516 bps
Net Interest Margin3.44%3.61%3.39%3.44%3.36%3.47%3.59%3.24%-20 bps
Efficiency Ratio65.75%66.87%64.53%64.52%70.75%64.96%63.37%75.50%+1,098 bps
Non-Interest Burden1.97%2.22%1.94%2.01%2.27%2.03%2.05%2.29%+29 bps
Growth
Asset Growth (YoY)3.92%7.09%2.50%2.16%0.03%-0.57%2.25%0.43%-172 bps
Loan Growth (YoY)-5.85%-3.47%-1.22%-1.13%-2.68%-2.47%-1.67%-9.33%-820 bps
Deposit Growth (YoY)3.03%6.25%0.26%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.48%-0.07%0.52%0.94%0.00%-0.43%0.05%0.03%-91 bps
Allowance / Loans2.36%2.44%2.27%2.06%2.11%2.23%2.17%2.37%+31 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/a13.84%14.08%13.73%n/a
Total Risk-Based Capital17.92%18.22%18.15%18.35%19.00%19.12%19.39%21.64%+329 bps
Equity / Assets12.59%12.61%13.06%13.18%13.52%13.68%13.64%13.87%+68 bps
Liquidity & Funding
Loans / Deposits91.02%88.84%91.83%89.90%87.01%85.06%85.45%78.70%-1,120 bps
Liquid Assets / Assets5.87%10.60%6.94%5.98%8.88%8.17%8.27%24.30%+1,832 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a