Financial insights of UMBFO

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
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
Net income	702,398
Less preferred dividends	17,781
Net income available to common shareholders	684,617

Basic EPS	9.35
Diluted EPS	9.29
Basic Average Shares	73,259,082
Diluted Average Shares	73,670,643