Call reports 2004
UMB U.S.A., NATIONAL ASSOCIATION — 2004
What UMB U.S.A., 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 |
|---|---|---|
| Total assets | 120,275,000 | 120,570,000 |
| Total loans | 116,290,000 | 116,111,000 |
| Allowance for loan losses | 2,725,000 | 2,725,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 561,000 | 542,000 |
| Interest-bearing deposits | 0 | 0 |
| Noninterest-bearing deposits | 561,000 | 542,000 |
| Equity capital | 25,232,000 | 25,871,000 |
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 |
|---|---|---|
| Interest income | 3,765,000 | 7,368,000 |
| Interest expense | 247,000 | 488,000 |
| Net interest income | 3,518,000 | 6,880,000 |
| Noninterest income | 1,254,000 | 2,557,000 |
| Noninterest expense | 1,745,000 | 3,084,000 |
| Provision for loan losses | 1,022,000 | 1,973,000 |
| Pretax income | 2,005,000 | 4,380,000 |
| Income tax | 702,000 | 1,533,000 |
| Net income | 1,303,000 | 2,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 25,232,000 | 25,871,000 |
| Total capital | 26,761,000 | 27,395,000 |
| Risk-weighted assets | 120,716,000 | 120,282,000 |