Call reports 2005
UMB BANK, NATIONAL ASSOCIATION — 2005
What UMB BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 5,809,305,000 | 5,921,643,000 | 6,037,100,000 | 7,093,902,000 |
| Total loans | 2,480,868,000 | 2,717,063,000 | 2,847,342,000 | 2,864,092,000 |
| Allowance for loan losses | 35,016,000 | 33,977,000 | 33,963,000 | 34,773,000 |
| Securities available for sale | 2,065,298,000 | 1,995,531,000 | 1,949,715,000 | 2,702,174,000 |
| Securities held to maturity | 116,421,000 | 97,129,000 | 84,656,000 | 54,433,000 |
| Trading assets | 56,723,000 | 64,004,000 | 57,986,000 | 58,487,000 |
| Total deposits | 4,263,121,000 | 4,403,872,000 | 4,427,893,000 | 5,157,683,000 |
| Interest-bearing deposits | 3,143,431,000 | 3,161,425,000 | 3,202,523,000 | 3,831,173,000 |
| Noninterest-bearing deposits | 1,119,690,000 | 1,242,447,000 | 1,225,370,000 | 1,326,510,000 |
| Equity capital | 536,933,000 | 555,348,000 | 548,494,000 | 549,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 51,398,000 | 106,194,000 | 166,570,000 | 233,826,000 |
| Interest expense | 13,803,000 | 28,393,000 | 47,293,000 | 70,144,000 |
| Net interest income | 37,595,000 | 77,801,000 | 119,277,000 | 163,682,000 |
| Noninterest income | 57,397,000 | 112,832,000 | 165,023,000 | 218,380,000 |
| Noninterest expense | 79,627,000 | 157,640,000 | 235,249,000 | 312,559,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 3,000,000 | 5,500,000 |
| Pretax income | 14,744,000 | 31,657,000 | 45,723,000 | 63,675,000 |
| Income tax | 4,104,000 | 9,106,000 | 12,485,000 | 16,437,000 |
| Net income | 10,640,000 | 22,551,000 | 33,238,000 | 47,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 515,407,000 | 526,582,000 | 525,467,000 | 529,155,000 |
| Total capital | 550,423,000 | 561,009,000 | 559,967,000 | 564,553,000 |
| Risk-weighted assets | 3,583,462,000 | 3,855,450,000 | 4,002,141,000 | 4,278,434,000 |