Call reports 2003
UMB BANK, NATIONAL ASSOCIATION — 2003
What UMB BANK, 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 | 6,320,959,000 | 6,090,458,000 | 5,923,679,000 | 6,597,639,000 |
| Total loans | 2,087,531,000 | 2,176,124,000 | 2,178,116,000 | 2,234,242,000 |
| Allowance for loan losses | 30,935,000 | 31,433,000 | 34,434,000 | 34,818,000 |
| Securities available for sale | 2,780,925,000 | 2,385,755,000 | 2,325,078,000 | 2,716,638,000 |
| Securities held to maturity | 305,865,000 | 286,505,000 | 284,135,000 | 251,352,000 |
| Trading assets | 60,608,000 | 78,129,000 | 58,057,000 | 60,780,000 |
| Total deposits | 4,798,681,000 | 4,542,442,000 | 4,554,449,000 | 4,888,344,000 |
| Interest-bearing deposits | 3,063,768,000 | 3,310,152,000 | 3,363,686,000 | 3,598,656,000 |
| Noninterest-bearing deposits | 1,734,913,000 | 1,232,290,000 | 1,190,763,000 | 1,289,688,000 |
| Equity capital | 545,850,000 | 532,943,000 | 528,113,000 | 527,585,000 |
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 | 48,687,000 | 94,718,000 | 139,276,000 | 182,392,000 |
| Interest expense | 11,169,000 | 20,534,000 | 28,133,000 | 35,875,000 |
| Net interest income | 37,518,000 | 74,184,000 | 111,143,000 | 146,517,000 |
| Noninterest income | 51,452,000 | 103,545,000 | 155,856,000 | 217,068,000 |
| Noninterest expense | 73,458,000 | 148,535,000 | 226,772,000 | 302,835,000 |
| Provision for loan losses | 2,400,000 | 3,900,000 | 5,400,000 | 6,300,000 |
| Pretax income | 13,112,000 | 25,300,000 | 34,833,000 | 55,307,000 |
| Income tax | 2,744,000 | 5,267,000 | 5,061,000 | 10,750,000 |
| Net income | 10,368,000 | 20,033,000 | 29,772,000 | 44,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 492,248,000 | 481,217,000 | 481,436,000 | 486,703,000 |
| Total capital | 523,183,000 | 512,650,000 | 515,870,000 | 521,521,000 |
| Risk-weighted assets | 3,330,164,000 | 3,271,197,000 | 3,202,726,000 | 3,364,859,000 |