For the year ending 2025-12-31.
| Income Statement | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Loans | 2,415,279 | - | ||
| Taxable interest | 504,630 | - | ||
| Tax-exempt interest | 130,206 | - | ||
| Total securities income | 634,836 | - | ||
| Federal funds and resell agreements | 38,152 | - | ||
| Interest-bearing due from banks | 264,915 | - | ||
| Trading securities | 1,098 | - | ||
| Total interest income | 3,354,280 | - | ||
| Deposits | 1,336,549 | - | ||
| Federal funds and repurchase agreements | 108,704 | - | ||
| Other | -46,822 | - | ||
| Total interest expense | 1,492,075 | - | ||
| Net interest income | 1,862,205 | - | ||
| Provision for credit losses | 154,500 | - | ||
| Net interest income after provision for credit losses | 1,707,705 | - | ||
| Trust and securities processing | 343,398 | - | ||
| Trading and investment banking | 25,305 | - | ||
| Service charges on deposit accounts | 113,206 | - | ||
| Insurance fees and commissions | 910 | - | ||
| Brokerage fees | 79,592 | - | ||
| Bankcard fees | 113,924 | - | ||
| Investment securities gains (losses), net | 30,967 | - | ||
| Other | 82,748 | - | ||
| Total noninterest income | 790,050 | - | ||
| Salaries and employee benefits | 883,883 | - | ||
| Occupancy, net | 73,722 | - | ||
| Equipment | 64,915 | - | ||
| Supplies and services | 28,503 | - | ||
| Marketing and business development | 45,682 | - | ||
| Processing fees | 172,846 | - | ||
| Legal and consulting | 92,304 | - | ||
| Bankcard | 49,503 | - | ||
| Amortization of other intangible assets | 93,521 | - | ||
| Regulatory fees | 28,751 | - | ||
| Other | 89,170 | - | ||
| Total noninterest expense | 1,622,800 | - | ||
| Income before income taxes | 874,955 | - | ||
| Income tax expense | 172,557 | - | ||
| Total income | - | 196,334 | ||
| Net income | 702,398 | - | ||
| Total expense | - | 135,407 | ||
| Less preferred dividends | 17,781 | - | ||
| Income before income taxes and equity in undistributed earnings of subsidiaries | - | 60,927 | ||
| Net income available to common shareholders | 684,617 | - | ||
| Basic EPS | 9.35 | 9.05 | ||
| Diluted EPS | 9.29 | 8.99 | ||
| Basic Average Shares | 73,259,082 | 48,747,814 | ||
| Diluted Average Shares | 73,670,643 | 49,056,956 | ||
UMB FINANCIAL CORP (UMBF)
UMB FINANCIAL CORP (UMBF)