Call reports 2004
UMB BANK, NATIONAL ASSOCIATION — 2004
What UMB BANK, 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 | 5,776,182,000 | 5,834,781,000 | 5,680,152,000 | 6,627,760,000 |
| Total loans | 2,170,153,000 | 2,319,668,000 | 2,319,377,000 | 2,443,089,000 |
| Allowance for loan losses | 34,927,000 | 35,501,000 | 38,527,000 | 36,822,000 |
| Securities available for sale | 2,255,771,000 | 1,868,566,000 | 1,914,066,000 | 2,921,353,000 |
| Securities held to maturity | 227,467,000 | 200,433,000 | 182,510,000 | 136,989,000 |
| Trading assets | 92,731,000 | 63,866,000 | 77,176,000 | 60,221,000 |
| Total deposits | 4,264,901,000 | 4,329,172,000 | 4,044,254,000 | 4,618,148,000 |
| Interest-bearing deposits | 3,075,675,000 | 3,076,856,000 | 2,947,788,000 | 3,432,314,000 |
| Noninterest-bearing deposits | 1,189,226,000 | 1,252,316,000 | 1,096,466,000 | 1,185,834,000 |
| Equity capital | 526,088,000 | 507,442,000 | 542,833,000 | 544,866,000 |
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 | 41,705,000 | 82,270,000 | 134,324,000 | 187,721,000 |
| Interest expense | 7,641,000 | 14,548,000 | 23,349,000 | 35,321,000 |
| Net interest income | 34,064,000 | 67,722,000 | 110,975,000 | 152,400,000 |
| Noninterest income | 55,136,000 | 104,763,000 | 160,487,000 | 210,015,000 |
| Noninterest expense | 78,500,000 | 154,566,000 | 233,976,000 | 312,442,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 5,255,000 | 4,860,000 |
| Pretax income | 10,085,000 | 16,554,000 | 32,366,000 | 45,248,000 |
| Income tax | 2,180,000 | 3,283,000 | 5,851,000 | 7,773,000 |
| Net income | 7,905,000 | 13,271,000 | 26,515,000 | 37,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 479,966,000 | 478,569,000 | 508,109,000 | 514,959,000 |
| Total capital | 514,893,000 | 514,070,000 | 546,636,000 | 551,781,000 |
| Risk-weighted assets | 3,177,550,000 | 3,309,742,000 | 3,369,807,000 | 3,693,260,000 |