Call reports 2008
UMB BANK, NATIONAL ASSOCIATION — 2008
What UMB BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 7,716,142,000 | 7,693,747,000 | 8,050,213,000 | 9,262,734,000 |
| Total loans | 3,374,264,000 | 3,299,812,000 | 3,432,280,000 | 3,583,977,000 |
| Allowance for loan losses | 38,064,000 | 38,407,000 | 40,280,000 | 42,670,000 |
| Securities available for sale | 2,511,983,000 | 2,448,847,000 | 3,145,534,000 | 4,126,032,000 |
| Securities held to maturity | 30,578,000 | 29,932,000 | 33,239,000 | 38,204,000 |
| Trading assets | 17,915,000 | 55,238,000 | 31,415,000 | 26,919,000 |
| Total deposits | 5,715,878,000 | 5,583,847,000 | 6,151,660,000 | 6,668,392,000 |
| Interest-bearing deposits | 4,236,768,000 | 4,233,706,000 | 4,604,816,000 | 5,139,332,000 |
| Noninterest-bearing deposits | 1,479,110,000 | 1,350,141,000 | 1,546,844,000 | 1,529,060,000 |
| Equity capital | 629,357,000 | 603,833,000 | 604,308,000 | 626,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 86,045,000 | 163,137,000 | 240,953,000 | 323,213,000 |
| Interest expense | 33,503,000 | 56,218,000 | 79,072,000 | 95,711,000 |
| Net interest income | 52,542,000 | 106,919,000 | 161,881,000 | 227,502,000 |
| Noninterest income | 65,934,000 | 133,983,000 | 200,929,000 | 262,074,000 |
| Noninterest expense | 83,590,000 | 173,792,000 | 266,242,000 | 360,353,000 |
| Provision for loan losses | 2,807,000 | 7,407,000 | 11,578,000 | 17,078,000 |
| Pretax income | 41,336,000 | 68,989,000 | 96,639,000 | 123,881,000 |
| Income tax | 13,017,000 | 21,247,000 | 29,758,000 | 37,656,000 |
| Net income | 28,319,000 | 47,742,000 | 66,881,000 | 86,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 562,663,000 | 554,421,000 | 553,917,000 | 556,357,000 |
| Total capital | 601,604,000 | 593,705,000 | 595,074,000 | 599,904,000 |
| Risk-weighted assets | 4,755,475,000 | 4,745,296,000 | 4,923,374,000 | 5,111,708,000 |