Call reports 2003
UMB BANK, WARSAW, NATIONAL ASSOCIATION — 2003
What UMB BANK, WARSAW, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 85,493,000 | 92,174,000 | 94,287,000 | 89,401,000 |
| Total loans | 20,319,000 | 27,696,000 | 27,783,000 | 28,291,000 |
| Allowance for loan losses | 255,000 | 240,000 | 221,000 | 324,000 |
| Securities available for sale | 56,540,000 | 56,819,000 | 58,442,000 | 53,679,000 |
| Securities held to maturity | 6,736,000 | 5,842,000 | 5,281,000 | 4,623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,582,000 | 62,005,000 | 60,802,000 | 61,115,000 |
| Interest-bearing deposits | 58,092,000 | 56,518,000 | 54,899,000 | 55,271,000 |
| Noninterest-bearing deposits | 5,490,000 | 5,487,000 | 5,903,000 | 5,844,000 |
| Equity capital | 6,036,000 | 6,141,000 | 6,193,000 | 6,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 923,000 | 1,814,000 | 2,711,000 | 3,573,000 |
| Interest expense | 293,000 | 554,000 | 802,000 | 1,042,000 |
| Net interest income | 630,000 | 1,260,000 | 1,909,000 | 2,531,000 |
| Noninterest income | 68,000 | 156,000 | 244,000 | 355,000 |
| Noninterest expense | 375,000 | 761,000 | 1,135,000 | 1,513,000 |
| Provision for loan losses | 25,000 | 45,000 | 75,000 | 185,000 |
| Pretax income | 298,000 | 610,000 | 943,000 | 1,188,000 |
| Income tax | 87,000 | 180,000 | 275,000 | 346,000 |
| Net income | 211,000 | 430,000 | 668,000 | 842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,440,000 | 5,658,000 | 5,897,000 | 6,021,000 |
| Total capital | 5,695,000 | 5,898,000 | 6,118,000 | 6,345,000 |
| Risk-weighted assets | 32,875,000 | 40,211,000 | 41,438,000 | 42,648,000 |