| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Loans | 629,057 | 612,414 | ||
| Taxable interest | 138,176 | 122,237 | ||
| Tax-exempt interest | 33,035 | 33,024 | ||
| Total securities income | 171,211 | 155,261 | ||
| Federal funds and resell agreements | 9,365 | 8,733 | ||
| Interest-bearing due from banks | 68,952 | 73,874 | ||
| Trading securities | 312 | 255 | ||
| Total interest income | 878,897 | 850,537 | ||
| Deposits | 362,882 | 343,153 | ||
| Federal funds and repurchase agreements | 28,632 | 27,423 | ||
| Other | -12,341 | -12,937 | ||
| Total interest expense | 403,855 | 383,513 | ||
| Net interest income | 475,042 | 467,024 | ||
| Provision for credit losses | 22,500 | 21,000 | ||
| Net interest income after provision for credit losses | 452,542 | 446,024 | ||
| Trust and securities processing | 87,926 | 83,263 | ||
| Trading and investment banking | 7,026 | 6,170 | ||
| Service charges on deposit accounts | 29,150 | 28,865 | ||
| Insurance fees and commissions | 307 | 189 | ||
| Brokerage fees | 20,470 | 20,525 | ||
| Bankcard fees | 29,561 | 29,018 | ||
| Investment securities (losses) gains, net | -4,093 | 37,685 | ||
| Other | 32,951 | 16,470 | ||
| Total noninterest income | 203,298 | 222,185 | ||
| Salaries and employee benefits | 220,329 | 213,551 | ||
| Occupancy, net | 19,149 | 18,571 | ||
| Equipment | 16,563 | 16,426 | ||
| Supplies and services | 10,492 | 6,383 | ||
| Marketing and business development | 11,094 | 11,344 | ||
| Processing fees | 45,008 | 43,638 | ||
| Legal and consulting | 21,616 | 18,468 | ||
| Bankcard | 11,775 | 12,363 | ||
| Amortization of other intangible assets | 25,317 | 25,268 | ||
| Regulatory fees | 8,091 | 9,259 | ||
| Other | 29,851 | 17,897 | ||
| Total noninterest expense | 419,285 | 393,168 | ||
| Income before income taxes | 236,555 | 275,041 | ||
| Income tax expense | 48,239 | 57,647 | ||
| Net income | 188,316 | 217,394 | ||
| Less preferred dividends | 7,944 | 2,012 | ||
| Net income available to common shareholders | 180,372 | 215,382 | ||
| Earnings per share, basic, total | 2.38 | 2.84 | ||
| Earnings per share, diluted, total | 2.36 | 2.82 | ||
| Weighted average number of shares outstanding, basic, total | 75,943,943 | 75,923,082 | ||
| Weighted average number of shares outstanding, diluted | 76,366,818 | 76,241,798 | ||
UMB FINANCIAL CORP (UMBF)
UMB FINANCIAL CORP (UMBF)