Call reports 2003
UMB BANK COLORADO, NATIONAL ASSOCIATION — 2003
What UMB BANK COLORADO, 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 | 369,487,000 | 389,628,000 | 367,924,000 | 396,870,000 |
| Total loans | 170,982,000 | 179,889,000 | 181,923,000 | 205,966,000 |
| Allowance for loan losses | 2,511,000 | 2,602,000 | 2,754,000 | 2,942,000 |
| Securities available for sale | 75,800,000 | 79,420,000 | 81,723,000 | 92,721,000 |
| Securities held to maturity | 62,199,000 | 58,746,000 | 56,472,000 | 46,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,141,000 | 326,793,000 | 310,176,000 | 321,743,000 |
| Interest-bearing deposits | 229,868,000 | 239,140,000 | 238,992,000 | 244,259,000 |
| Noninterest-bearing deposits | 79,273,000 | 87,653,000 | 71,184,000 | 77,484,000 |
| Equity capital | 29,345,000 | 30,162,000 | 30,499,000 | 30,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,553,000 | 7,085,000 | 10,605,000 | 14,115,000 |
| Interest expense | 435,000 | 842,000 | 1,201,000 | 1,548,000 |
| Net interest income | 3,118,000 | 6,243,000 | 9,404,000 | 12,567,000 |
| Noninterest income | 1,243,000 | 2,526,000 | 3,889,000 | 5,668,000 |
| Noninterest expense | 3,470,000 | 6,975,000 | 10,534,000 | 14,218,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 450,000 |
| Pretax income | 741,000 | 1,494,000 | 2,309,000 | 3,565,000 |
| Income tax | -11,000 | -8,000 | 72,000 | 306,000 |
| Net income | 752,000 | 1,502,000 | 2,237,000 | 3,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,409,000 | 28,159,000 | 28,754,000 | 29,050,000 |
| Total capital | 29,920,000 | 30,761,000 | 31,508,000 | 31,992,000 |
| Risk-weighted assets | 228,766,000 | 235,859,000 | 235,120,000 | 260,525,000 |