Call reports 2004
UMB BANK, WARSAW, NATIONAL ASSOCIATION — 2004
What UMB BANK, WARSAW, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 83,662,000 | 83,742,000 | 77,624,000 | 76,952,000 |
| Total loans | 28,443,000 | 28,734,000 | 25,182,000 | 24,484,000 |
| Allowance for loan losses | 323,000 | 359,000 | 388,000 | 401,000 |
| Securities available for sale | 49,290,000 | 49,015,000 | 47,074,000 | 47,053,000 |
| Securities held to maturity | 4,276,000 | 3,514,000 | 3,338,000 | 3,021,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,541,000 | 59,568,000 | 58,579,000 | 56,926,000 |
| Interest-bearing deposits | 55,397,000 | 53,596,000 | 52,687,000 | 51,239,000 |
| Noninterest-bearing deposits | 6,144,000 | 5,972,000 | 5,892,000 | 5,687,000 |
| Equity capital | 6,108,000 | 5,557,000 | 5,690,000 | 5,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 739,000 | 1,419,000 | 2,105,000 | 2,777,000 |
| Interest expense | 206,000 | 397,000 | 594,000 | 806,000 |
| Net interest income | 533,000 | 1,022,000 | 1,511,000 | 1,971,000 |
| Noninterest income | 90,000 | 191,000 | 299,000 | 389,000 |
| Noninterest expense | 371,000 | 744,000 | 1,131,000 | 1,504,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 237,000 | 439,000 | 634,000 | 796,000 |
| Income tax | 72,000 | 131,000 | 189,000 | 236,000 |
| Net income | 165,000 | 308,000 | 445,000 | 560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,961,000 | 5,804,000 | 5,811,000 | 5,776,000 |
| Total capital | 6,284,000 | 6,163,000 | 6,199,000 | 6,177,000 |
| Risk-weighted assets | 41,470,000 | 43,758,000 | 39,578,000 | 39,665,000 |