UMB FINANCIAL CORP

UMBF · XNAS

CIK 101382fmd_0HHP80WHE0Y3NF7982D4608FD2Finance, Insurance and Real Estate · National Commercial BanksTemplate: Financials

Coverage: Jan 01, 2008 to Sep 30, 2026, 72 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	523	617	732	863	808	862	1,138	1,839	2,171	3,354
Total revenues	898	982	1,012	1,098	1,291	1,283	1,468	1,462	1,629	2,652
Net interest income	495	559	610	671	731	816	914	920	1,001	1,862
Commissions and fees	18	23	–	–	–	–	–	–	–	–
Provision for credit losses	33	41	71	33	131	20	38	41	61	155
Realized investment gains (losses)	9	4	4	2	121	5	58	(3)	11	31
Net interest income after provision	463	518	540	638	601	796	876	879	940	1,708
Non-interest income	403	424	402	427	560	467	554	542	628	790
Compensation and benefits	390	414	419	461	495	504	524	553	594	884
Non-interest expense	667	705	718	779	822	834	898	999	1,027	1,623
Interest expense	28	58	122	192	77	46	224	919	1,170	1,492
Income before taxes	199	236	224	286	339	429	532	422	541	875
Income tax expense	45	53	27	42	52	76	100	72	100	173
Net income from continuing operations	154	183	196	244	287	353	432	350	441	702
Net income	159	247	196	244	287	353	432	350	441	702
Net income to common shareholders	–	–	–	–	–	–	–	350	441	685