Call reports 2005
UMB BANK, WARSAW, NATIONAL ASSOCIATION — 2005
What UMB BANK, WARSAW, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 77,665,000 | 79,447,000 | 80,086,000 | 83,413,000 |
| Total loans | 25,428,000 | 27,013,000 | 28,928,000 | 29,831,000 |
| Allowance for loan losses | 402,000 | 401,000 | 409,000 | 408,000 |
| Securities available for sale | 47,633,000 | 47,636,000 | 46,224,000 | 49,387,000 |
| Securities held to maturity | 2,551,000 | 2,356,000 | 2,171,000 | 1,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,725,000 | 55,401,000 | 58,082,000 | 56,326,000 |
| Interest-bearing deposits | 54,130,000 | 49,566,000 | 50,784,000 | 49,801,000 |
| Noninterest-bearing deposits | 5,595,000 | 5,835,000 | 7,298,000 | 6,525,000 |
| Equity capital | 5,280,000 | 5,559,000 | 5,551,000 | 5,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 656,000 | 1,380,000 | 2,169,000 | 3,016,000 |
| Interest expense | 240,000 | 532,000 | 879,000 | 1,282,000 |
| Net interest income | 416,000 | 848,000 | 1,290,000 | 1,734,000 |
| Noninterest income | 112,000 | 218,000 | 328,000 | 459,000 |
| Noninterest expense | 395,000 | 789,000 | 1,165,000 | 1,474,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 133,000 | 277,000 | 453,000 | 719,000 |
| Income tax | 36,000 | 79,000 | 134,000 | 225,000 |
| Net income | 97,000 | 198,000 | 319,000 | 494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,753,000 | 5,854,000 | 5,975,000 | 6,150,000 |
| Total capital | 6,155,000 | 6,255,000 | 6,384,000 | 6,558,000 |
| Risk-weighted assets | 40,388,000 | 38,965,000 | 39,052,000 | 42,916,000 |