Call reports 2004
UMB BANK COLORADO, NATIONAL ASSOCIATION — 2004
What UMB BANK COLORADO, 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 | 409,756,000 | 415,337,000 | 423,088,000 | 448,349,000 |
| Total loans | 217,688,000 | 236,020,000 | 247,640,000 | 236,164,000 |
| Allowance for loan losses | 3,532,000 | 3,528,000 | 3,530,000 | 3,733,000 |
| Securities available for sale | 103,778,000 | 98,280,000 | 98,761,000 | 105,341,000 |
| Securities held to maturity | 43,272,000 | 37,339,000 | 31,710,000 | 23,810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,370,000 | 326,221,000 | 330,325,000 | 360,244,000 |
| Interest-bearing deposits | 242,900,000 | 257,906,000 | 259,255,000 | 272,979,000 |
| Noninterest-bearing deposits | 73,470,000 | 68,315,000 | 71,070,000 | 87,265,000 |
| Equity capital | 30,516,000 | 30,234,000 | 30,786,000 | 31,013,000 |
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 | 3,477,000 | 7,047,000 | 10,879,000 | 14,826,000 |
| Interest expense | 371,000 | 732,000 | 1,185,000 | 1,807,000 |
| Net interest income | 3,106,000 | 6,315,000 | 9,694,000 | 13,019,000 |
| Noninterest income | 1,453,000 | 2,900,000 | 4,502,000 | 6,032,000 |
| Noninterest expense | 3,536,000 | 7,270,000 | 10,831,000 | 14,487,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 450,000 |
| Pretax income | 1,029,000 | 1,951,000 | 3,296,000 | 4,119,000 |
| Income tax | 183,000 | 341,000 | 656,000 | 978,000 |
| Net income | 846,000 | 1,610,000 | 2,640,000 | 3,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,856,000 | 29,275,000 | 29,540,000 | 29,955,000 |
| Total capital | 32,288,000 | 32,803,000 | 33,070,000 | 33,688,000 |
| Risk-weighted assets | 274,428,000 | 299,494,000 | 314,847,000 | 308,359,000 |