Call reports 2003
UMB U.S.A., NATIONAL ASSOCIATION — 2003
What UMB U.S.A., 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 | 162,200,000 | 164,530,000 | 164,941,000 | 128,774,000 |
| Total loans | 156,655,000 | 158,985,000 | 159,672,000 | 123,459,000 |
| Allowance for loan losses | 3,250,000 | 3,250,000 | 3,250,000 | 2,725,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 597,000 | 534,000 | 578,000 | 541,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 597,000 | 534,000 | 578,000 | 541,000 |
| Equity capital | 25,766,000 | 26,147,000 | 26,029,000 | 25,479,000 |
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 | 4,756,000 | 9,174,000 | 13,581,000 | 17,356,000 |
| Interest expense | 427,000 | 845,000 | 1,196,000 | 1,439,000 |
| Net interest income | 4,329,000 | 8,329,000 | 12,385,000 | 15,917,000 |
| Noninterest income | 2,869,000 | 5,894,000 | 9,040,000 | 10,405,000 |
| Noninterest expense | 2,693,000 | 5,046,000 | 7,657,000 | 9,037,000 |
| Provision for loan losses | 1,368,000 | 2,685,000 | 3,842,000 | 4,927,000 |
| Pretax income | 3,137,000 | 6,492,000 | 9,926,000 | 12,358,000 |
| Income tax | 1,098,000 | 2,272,000 | 3,604,000 | 4,486,000 |
| Net income | 2,039,000 | 4,220,000 | 6,322,000 | 7,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,766,000 | 26,147,000 | 26,029,000 | 25,479,000 |
| Total capital | 27,818,000 | 28,224,000 | 28,110,000 | 27,099,000 |
| Risk-weighted assets | 162,956,000 | 164,983,000 | 165,293,000 | 128,514,000 |