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UMB FINL CORP   FYE=12 (December)

Annual - Income Statement - Company Specific

Fiscal period2025202420232022202120202019201820172016
Period End Date12/31/202512/31/202412/31/202312/31/202212/31/202112/31/202012/31/201912/31/201812/31/201712/31/2016
Loans2,415.281,612.951,399.96810.01619.27585.96637.85559.35461.30386.27
Securities:Available for sale-taxable interest504.63257.56----------------
Securities:Available for sale-tax exempt interest130.2199.38----------------
Securities:Held to maturity-taxable interest--------------------
Securities:Held to maturity-tax exempt interest--------------------
Total securities income--356.94317.18289.31225.93205.52196.12--146.54--
Securities:Taxable interest----214.98192.12127.63105.70106.0583.3373.1373.56
Securities:Tax-exempt interest----102.2097.1998.3199.8290.0674.4173.4257.52
Interest-Bearing Due from Banks264.92182.15103.1918.585.423.7412.887.913.872.34
Federal funds and resell agreements38.1517.6317.6519.1110.0511.8413.844.813.702.71
Trading securities and other1.101.350.730.510.851.432.212.151.500.63
Total Interest Income3,354.282,171.011,838.711,137.52861.52808.49862.89731.96616.91523.03
Deposits1,336.55982.30704.21167.5526.4158.21154.1992.1036.3517.94
Long-Term Debt--------------------
Short-term debt--------------------
Federal funds and repurchase agreements108.70106.5693.0340.706.9311.7932.5524.7417.916.52
Other46.8281.26121.3515.4712.667.265.244.683.743.25
Total Interest Expense1,492.081,170.12918.59223.7246.0077.26191.99121.5258.0027.71
Net Interest Income1,862.211,000.89920.12913.80815.52731.23670.91610.45558.91495.32
Provision for loan losses154.5061.0541.2337.9020.00130.5032.8570.7541.0032.50
Net interest income after provision for loan losses1,707.71939.84878.89875.90795.52600.73638.06539.70517.91462.82
Other service charges and fees--------------------
Brokerage fees79.5961.5654.1243.0212.1724.3531.2625.8123.2117.83
Insurance fees and commissions0.911.261.011.341.311.371.631.291.974.19
Service charges on deposit accounts113.2184.5184.9585.1786.0683.8882.7584.2987.6886.66
Gains (losses) on sales of securities available for sale, net------------3.220.584.198.51
Net investment security gains30.9710.72(3.14)58.445.06120.63--------
Gain on sale of securities transfer, net--------------------
Gain on mandatory redemption of Visa, Inc. class B common stock--------------------
Equity earnings on alternative investments----------------(1.11)2.70
Trust income343.40290.57257.20237.21224.13194.65176.91172.16176.65239.88
Bankcard fees113.9287.8074.7273.4564.5860.5466.7368.5273.0368.75
Trading and investment banking25.3124.2319.6323.2030.9432.9523.4715.5823.1821.42
Other non-interest (loss) income82.7567.4753.3732.4142.9441.8040.8033.4734.7626.14
Gain on sale of assets and deposits, net--------------------
Gain on sale of employee benefit accounts--------------------
Securities processing--------------------
Total Noninterest Income790.05628.12541.85554.23467.18560.17426.77401.70423.56476.08
Salaries and employee benefits883.88593.91553.42524.43504.44495.46461.45419.09413.83432.75
Marketing and business development45.6828.4425.7525.7018.5314.6826.2624.3721.4722.34
Occupancy, net73.7247.5448.5048.8547.3547.4847.7745.2444.4644.93
Amortization of goodwill on purchased affiliates--------------------
Amortization of Intangibles93.527.718.595.044.766.525.515.767.3312.29
Other89.1730.5634.2643.1934.1743.4027.1625.0028.1331.82
Equipment64.9263.4168.7274.2678.4085.7279.0975.1872.0167.27
Supplies and services28.5014.8516.8313.5914.9915.5418.7016.1017.1719.08
Processing fees172.85117.90103.1082.2367.5654.2152.2046.9842.3345.24
Legal and consulting92.3046.2130.0039.1032.4129.7731.5029.8623.4121.24
Bankcard49.5044.2732.9726.3719.1518.9517.7517.5119.4720.76
Minority interest in loss of consolidated subsidiary--------------------
Regulatory fees28.7531.9077.0115.3811.8910.2811.4912.7015.5314.18
Covered litigation provision--------------------
Contingency reserve--------------------
Total Noninterest Expense1,622.801,026.69999.14898.12833.64822.01778.86717.80705.13731.89
Income Before Income Taxes874.96541.27421.60532.01429.06338.89285.97223.59236.35207.00
Income tax provision172.56100.0371.58100.3376.0452.3942.3727.3353.3748.20
Current:Federal provision72.81--81.5792.6772.4149.0537.1343.03(8.26)43.62
Current:State benefit16.93--10.4513.9616.368.175.384.571.891.83
Deferred:Federal provision (benefit)84.42--(19.44)(4.00)(9.87)(4.05)(0.18)(19.36)57.852.33
Deferred:State provision (benefit)(1.59)--(1.00)(2.31)(2.85)(0.79)0.02(0.91)1.890.42
Income from Continuing Operations----------286.50243.60196.26182.98--
(Loss) income from discontinued operations before income taxes--------------(0.92)101.23--
Income tax (benefit) expense--------------0.17(37.10)--
Net Income702.40------------------
Less: Preferred dividends17.78------------------
Net Income Available for Shareholders684.62441.24350.02431.68353.02286.50243.60195.51247.11158.80
Income from continuing operations----------5.954.993.983.72--
(Loss) income from discontinued operations--------------(0.01)1.30--
Net Income-Basic9.359.057.228.937.315.954.993.975.023.25
Income from continuing operations----------5.934.963.943.67--
(Loss) income from discontinued operations--------------(0.01)1.29--
Net Income-Diluted9.298.997.188.867.245.934.963.934.963.22
Weighted Average Shares Outstanding (Basic)73.2648.7548.5048.3448.2748.1448.7849.3349.2248.83
Weighted Average Shares Outstanding (Diluted)73.6749.0648.7648.7548.7448.3449.0949.7749.8449.28