Call reports 2002
UMB U.S.A., NATIONAL ASSOCIATION — 2002
What UMB U.S.A., NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 161,981,000 | 164,248,000 | 166,520,000 | 167,259,000 |
| Total loans | 158,167,000 | 160,357,000 | 160,075,000 | 163,808,000 |
| Allowance for loan losses | 3,250,000 | 3,250,000 | 3,250,000 | 3,250,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 660,000 | 634,000 | 552,000 | 739,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 660,000 | 634,000 | 552,000 | 739,000 |
| Equity capital | 26,556,000 | 28,438,000 | 26,708,000 | 26,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,227,000 | 9,912,000 | 14,726,000 | 19,591,000 |
| Interest expense | 603,000 | 1,200,000 | 1,803,000 | 2,312,000 |
| Net interest income | 4,624,000 | 8,712,000 | 12,923,000 | 17,279,000 |
| Noninterest income | 2,753,000 | 5,622,000 | 8,549,000 | 11,520,000 |
| Noninterest expense | 2,758,000 | 5,579,000 | 7,981,000 | 10,676,000 |
| Provision for loan losses | 1,186,000 | 2,426,000 | 3,670,000 | 4,811,000 |
| Pretax income | 3,433,000 | 6,329,000 | 9,821,000 | 13,312,000 |
| Income tax | 1,201,000 | 2,215,000 | 3,437,000 | 4,659,000 |
| Net income | 2,232,000 | 4,114,000 | 6,384,000 | 8,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,556,000 | 28,438,000 | 26,708,000 | 26,077,000 |
| Total capital | 28,605,000 | 30,514,000 | 28,801,000 | 28,194,000 |
| Risk-weighted assets | 162,706,000 | 164,881,000 | 166,273,000 | 168,216,000 |