UMB Financial Corp
F:UMB
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Income Statement
Income Statement
UMB Financial Corp
| Mar-2002 | Jun-2002 | Sep-2002 | Dec-2002 | Mar-2003 | Jun-2003 | Sep-2003 | Dec-2003 | Mar-2004 | Jun-2004 | Sep-2004 | Dec-2004 | Mar-2005 | Jun-2005 | Sep-2005 | Dec-2005 | Mar-2006 | Jun-2006 | Sep-2006 | Dec-2006 | Mar-2007 | Jun-2007 | Sep-2007 | Dec-2007 | Mar-2008 | Jun-2008 | Sep-2008 | Dec-2008 | Mar-2009 | Jun-2009 | Sep-2009 | Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
237
|
232
|
225
|
218
|
211
|
201
|
199
|
193
|
188
|
185
|
180
|
179
|
178
|
182
|
185
|
188
|
196
|
203
|
209
|
217
|
222
|
225
|
229
|
233
|
240
|
249
|
258
|
275
|
286
|
294
|
304
|
303
|
304
|
307
|
310
|
311
|
313
|
316
|
316
|
317
|
318
|
318
|
319
|
320
|
321
|
322
|
328
|
333
|
339
|
343
|
345
|
350
|
355
|
366
|
389
|
412
|
440
|
464
|
478
|
495
|
512
|
528
|
544
|
559
|
573
|
585
|
595
|
610
|
626
|
643
|
660
|
671
|
681
|
693
|
709
|
731
|
751
|
774
|
800
|
816
|
832
|
856
|
879
|
914
|
945
|
946
|
935
|
920
|
918
|
937
|
962
|
1 001
|
1 159
|
1 381
|
1 609
|
1 862
|
|
| Interest Income |
357
|
334
|
311
|
295
|
278
|
259
|
248
|
236
|
226
|
221
|
216
|
220
|
226
|
238
|
255
|
272
|
298
|
322
|
345
|
369
|
387
|
401
|
410
|
414
|
413
|
403
|
393
|
388
|
375
|
370
|
366
|
356
|
352
|
351
|
349
|
347
|
346
|
346
|
345
|
344
|
342
|
341
|
341
|
340
|
339
|
340
|
344
|
348
|
353
|
357
|
359
|
364
|
369
|
381
|
405
|
431
|
461
|
487
|
504
|
523
|
544
|
567
|
593
|
617
|
640
|
665
|
692
|
732
|
776
|
816
|
850
|
863
|
863
|
839
|
817
|
809
|
803
|
823
|
847
|
862
|
877
|
913
|
992
|
1 138
|
1 324
|
1 537
|
1 709
|
1 839
|
1 950
|
2 027
|
2 113
|
2 171
|
2 389
|
2 701
|
3 022
|
3 354
|
|
| Interest Expense |
120
|
102
|
86
|
76
|
67
|
58
|
49
|
43
|
38
|
36
|
36
|
40
|
48
|
57
|
70
|
84
|
102
|
119
|
136
|
152
|
165
|
176
|
182
|
182
|
173
|
154
|
135
|
113
|
89
|
76
|
62
|
53
|
49
|
44
|
40
|
36
|
33
|
31
|
29
|
27
|
25
|
23
|
21
|
20
|
18
|
17
|
16
|
15
|
14
|
14
|
14
|
14
|
14
|
15
|
17
|
19
|
21
|
23
|
25
|
28
|
32
|
39
|
49
|
58
|
67
|
80
|
97
|
122
|
149
|
173
|
189
|
192
|
182
|
146
|
108
|
77
|
52
|
49
|
48
|
46
|
46
|
58
|
113
|
224
|
379
|
591
|
774
|
919
|
1 032
|
1 090
|
1 150
|
1 170
|
1 230
|
1 320
|
1 414
|
1 492
|
|
| Non Interest Income |
236
|
232
|
232
|
232
|
229
|
235
|
234
|
246
|
246
|
240
|
240
|
228
|
233
|
240
|
247
|
252
|
248
|
251
|
251
|
255
|
262
|
268
|
281
|
289
|
307
|
314
|
316
|
313
|
297
|
295
|
296
|
310
|
328
|
339
|
349
|
360
|
382
|
401
|
412
|
414
|
439
|
441
|
447
|
458
|
447
|
450
|
466
|
492
|
494
|
514
|
519
|
499
|
501
|
487
|
469
|
371
|
458
|
441
|
435
|
403
|
407
|
415
|
416
|
424
|
426
|
416
|
413
|
402
|
404
|
409
|
411
|
427
|
418
|
433
|
442
|
560
|
571
|
582
|
577
|
467
|
482
|
527
|
548
|
554
|
561
|
523
|
527
|
542
|
571
|
578
|
603
|
628
|
635
|
712
|
757
|
790
|
|
| Revenue |
473
N/A
|
464
-2%
|
457
-2%
|
450
-2%
|
440
-2%
|
436
-1%
|
433
-1%
|
439
+1%
|
433
-1%
|
425
-2%
|
420
-1%
|
407
-3%
|
412
+1%
|
421
+2%
|
432
+3%
|
440
+2%
|
444
+1%
|
454
+2%
|
460
+1%
|
472
+3%
|
484
+2%
|
494
+2%
|
509
+3%
|
522
+2%
|
547
+5%
|
563
+3%
|
574
+2%
|
588
+2%
|
583
-1%
|
589
+1%
|
600
+2%
|
613
+2%
|
631
+3%
|
647
+2%
|
659
+2%
|
671
+2%
|
695
+4%
|
716
+3%
|
728
+2%
|
731
+0%
|
757
+3%
|
759
+0%
|
766
+1%
|
778
+2%
|
767
-1%
|
773
+1%
|
793
+3%
|
825
+4%
|
833
+1%
|
857
+3%
|
864
+1%
|
849
-2%
|
856
+1%
|
853
0%
|
858
+1%
|
783
-9%
|
897
+15%
|
904
+1%
|
914
+1%
|
898
-2%
|
919
+2%
|
943
+3%
|
960
+2%
|
983
+2%
|
999
+2%
|
1 001
+0%
|
1 008
+1%
|
1 012
+0%
|
1 030
+2%
|
1 051
+2%
|
1 072
+2%
|
1 098
+2%
|
1 099
+0%
|
1 126
+2%
|
1 151
+2%
|
1 291
+12%
|
1 322
+2%
|
1 356
+3%
|
1 376
+1%
|
1 283
-7%
|
1 314
+2%
|
1 382
+5%
|
1 427
+3%
|
1 468
+3%
|
1 506
+3%
|
1 469
-2%
|
1 462
0%
|
1 462
+0%
|
1 489
+2%
|
1 515
+2%
|
1 566
+3%
|
1 629
+4%
|
1 794
+10%
|
2 093
+17%
|
2 366
+13%
|
2 652
+12%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(15)
|
(13)
|
(14)
|
(17)
|
(18)
|
(17)
|
(16)
|
(12)
|
(10)
|
(9)
|
(8)
|
(5)
|
(4)
|
(3)
|
(3)
|
(6)
|
(8)
|
(11)
|
(11)
|
(9)
|
(7)
|
(6)
|
(7)
|
(9)
|
(11)
|
(14)
|
(15)
|
(18)
|
(21)
|
(22)
|
(26)
|
(32)
|
(34)
|
(36)
|
(36)
|
(32)
|
(30)
|
(28)
|
(25)
|
(22)
|
(20)
|
(19)
|
(19)
|
(18)
|
(15)
|
(16)
|
(18)
|
(18)
|
(20)
|
(20)
|
(18)
|
(17)
|
(16)
|
(16)
|
(14)
|
(16)
|
(18)
|
(20)
|
(30)
|
(33)
|
(37)
|
(44)
|
(43)
|
(41)
|
(42)
|
(35)
|
(29)
|
(71)
|
(73)
|
(77)
|
(79)
|
(33)
|
(109)
|
(119)
|
(128)
|
(131)
|
(35)
|
(38)
|
(17)
|
(20)
|
(21)
|
(10)
|
(37)
|
(38)
|
(68)
|
(67)
|
(50)
|
(41)
|
(28)
|
(29)
|
(42)
|
(61)
|
(137)
|
(144)
|
(149)
|
(155)
|
|
| Non Interest Expense |
(365)
|
(363)
|
(365)
|
(361)
|
(358)
|
(355)
|
(353)
|
(351)
|
(353)
|
(353)
|
(350)
|
(350)
|
(353)
|
(356)
|
(359)
|
(358)
|
(358)
|
(363)
|
(370)
|
(381)
|
(388)
|
(391)
|
(396)
|
(407)
|
(409)
|
(417)
|
(426)
|
(430)
|
(438)
|
(450)
|
(456)
|
(461)
|
(471)
|
(479)
|
(494)
|
(513)
|
(531)
|
(550)
|
(559)
|
(563)
|
(569)
|
(568)
|
(575)
|
(591)
|
(599)
|
(605)
|
(612)
|
(624)
|
(646)
|
(662)
|
(670)
|
(666)
|
(659)
|
(665)
|
(688)
|
(639)
|
(720)
|
(716)
|
(696)
|
(667)
|
(675)
|
(684)
|
(690)
|
(705)
|
(707)
|
(708)
|
(716)
|
(718)
|
(733)
|
(749)
|
(760)
|
(779)
|
(777)
|
(792)
|
(799)
|
(822)
|
(834)
|
(827)
|
(838)
|
(834)
|
(848)
|
(860)
|
(883)
|
(898)
|
(920)
|
(947)
|
(947)
|
(999)
|
(1 017)
|
(1 025)
|
(1 046)
|
(1 027)
|
(1 157)
|
(1 301)
|
(1 468)
|
(1 623)
|
|
| Pre-Tax Income |
93
N/A
|
88
-6%
|
78
-11%
|
73
-7%
|
65
-11%
|
64
-1%
|
64
N/A
|
76
+19%
|
71
-7%
|
64
-10%
|
63
-2%
|
52
-17%
|
54
+4%
|
62
+16%
|
71
+14%
|
76
+8%
|
78
+3%
|
80
+2%
|
80
-1%
|
82
+3%
|
89
+8%
|
97
+9%
|
106
+9%
|
105
-1%
|
127
+21%
|
132
+4%
|
133
+0%
|
140
+5%
|
124
-11%
|
117
-6%
|
119
+2%
|
121
+2%
|
126
+4%
|
132
+5%
|
129
-2%
|
127
-2%
|
134
+6%
|
138
+3%
|
144
+4%
|
146
+2%
|
168
+15%
|
173
+3%
|
173
+0%
|
170
-2%
|
153
-10%
|
153
-1%
|
164
+7%
|
183
+12%
|
167
-9%
|
175
+5%
|
176
+0%
|
166
-6%
|
182
+9%
|
173
-5%
|
156
-10%
|
128
-18%
|
160
+25%
|
169
+5%
|
188
+11%
|
199
+6%
|
207
+4%
|
215
+4%
|
227
+5%
|
236
+4%
|
250
+6%
|
260
+4%
|
263
+1%
|
224
-15%
|
224
+0%
|
225
+0%
|
233
+3%
|
286
+23%
|
213
-25%
|
215
+1%
|
225
+5%
|
339
+51%
|
453
+34%
|
491
+9%
|
522
+6%
|
429
-18%
|
445
+4%
|
512
+15%
|
507
-1%
|
532
+5%
|
518
-3%
|
454
-12%
|
465
+2%
|
422
-9%
|
444
+5%
|
461
+4%
|
477
+4%
|
541
+13%
|
500
-8%
|
649
+30%
|
749
+16%
|
875
+17%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(26)
|
(24)
|
(19)
|
(15)
|
(13)
|
(13)
|
(11)
|
(17)
|
(16)
|
(14)
|
(14)
|
(9)
|
(10)
|
(13)
|
(18)
|
(20)
|
(20)
|
(21)
|
(21)
|
(22)
|
(25)
|
(28)
|
(31)
|
(31)
|
(38)
|
(39)
|
(40)
|
(42)
|
(36)
|
(33)
|
(33)
|
(31)
|
(33)
|
(35)
|
(33)
|
(36)
|
(38)
|
(39)
|
(42)
|
(40)
|
(46)
|
(48)
|
(48)
|
(48)
|
(42)
|
(41)
|
(44)
|
(50)
|
(45)
|
(48)
|
(47)
|
(45)
|
(51)
|
(46)
|
(42)
|
(32)
|
(41)
|
(44)
|
(46)
|
(45)
|
(46)
|
(46)
|
(48)
|
(50)
|
(48)
|
(47)
|
(45)
|
(32)
|
(33)
|
(32)
|
(33)
|
(42)
|
(31)
|
(29)
|
(28)
|
(52)
|
(70)
|
(82)
|
(91)
|
(76)
|
(79)
|
(95)
|
(97)
|
(100)
|
(100)
|
(84)
|
(85)
|
(72)
|
(76)
|
(82)
|
(85)
|
(100)
|
(88)
|
(120)
|
(142)
|
(173)
|
|
| Income from Continuing Operations |
67
|
64
|
59
|
57
|
52
|
52
|
53
|
59
|
55
|
50
|
49
|
43
|
44
|
49
|
53
|
56
|
58
|
59
|
59
|
60
|
64
|
69
|
75
|
74
|
89
|
93
|
93
|
98
|
88
|
84
|
86
|
90
|
93
|
97
|
96
|
91
|
96
|
99
|
102
|
107
|
122
|
125
|
125
|
123
|
111
|
112
|
120
|
134
|
122
|
127
|
128
|
121
|
131
|
127
|
113
|
97
|
119
|
125
|
142
|
154
|
161
|
170
|
179
|
186
|
202
|
212
|
218
|
191
|
191
|
193
|
201
|
244
|
183
|
186
|
197
|
287
|
383
|
409
|
431
|
353
|
366
|
417
|
410
|
432
|
418
|
371
|
379
|
350
|
368
|
379
|
392
|
441
|
412
|
528
|
607
|
702
|
|
| Net Income (Common) |
67
N/A
|
64
-4%
|
59
-8%
|
57
-3%
|
52
-9%
|
52
-1%
|
53
+3%
|
59
+11%
|
55
-6%
|
50
-9%
|
49
-2%
|
43
-12%
|
44
+2%
|
49
+12%
|
53
+9%
|
56
+6%
|
58
+3%
|
59
+2%
|
59
-1%
|
60
+1%
|
64
+7%
|
69
+8%
|
75
+8%
|
74
-1%
|
89
+20%
|
93
+4%
|
93
+0%
|
98
+5%
|
88
-10%
|
84
-5%
|
86
+3%
|
90
+4%
|
93
+4%
|
97
+4%
|
96
-1%
|
91
-5%
|
96
+5%
|
99
+3%
|
102
+3%
|
107
+4%
|
122
+15%
|
125
+2%
|
125
+0%
|
123
-2%
|
111
-9%
|
112
+1%
|
120
+7%
|
134
+11%
|
122
-9%
|
127
+4%
|
128
+1%
|
121
-6%
|
131
+9%
|
127
-3%
|
113
-10%
|
116
+2%
|
119
+2%
|
126
+6%
|
145
+15%
|
159
+9%
|
167
+5%
|
172
+3%
|
178
+4%
|
247
+39%
|
260
+5%
|
272
+5%
|
282
+4%
|
196
-31%
|
196
+0%
|
198
+1%
|
203
+2%
|
244
+20%
|
183
-25%
|
186
+2%
|
197
+6%
|
287
+46%
|
383
+34%
|
409
+7%
|
431
+5%
|
353
-18%
|
366
+4%
|
417
+14%
|
410
-2%
|
432
+5%
|
418
-3%
|
371
-11%
|
379
+2%
|
350
-8%
|
368
+5%
|
379
+3%
|
392
+3%
|
441
+13%
|
410
-7%
|
524
+28%
|
595
+13%
|
685
+15%
|
|
| EPS (Diluted) |
1.52
N/A
|
1.46
-4%
|
1.34
-8%
|
1.29
-4%
|
1.18
-9%
|
1.17
-1%
|
1.21
+3%
|
1.35
+12%
|
1.27
-6%
|
1.15
-9%
|
1.13
-2%
|
0.99
-12%
|
1.01
+2%
|
1.13
+12%
|
1.23
+9%
|
1.3
+6%
|
1.35
+4%
|
1.39
+3%
|
1.35
-3%
|
1.4
+4%
|
1.52
+9%
|
1.63
+7%
|
1.78
+9%
|
1.77
-1%
|
2.16
+22%
|
2.28
+6%
|
2.28
N/A
|
2.38
+4%
|
2.18
-8%
|
2.07
-5%
|
2.13
+3%
|
2.22
+4%
|
2.32
+5%
|
2.42
+4%
|
2.36
-2%
|
2.27
-4%
|
2.39
+5%
|
2.48
+4%
|
2.56
+3%
|
2.66
+4%
|
3.05
+15%
|
3.12
+2%
|
3.12
N/A
|
3.07
-2%
|
2.79
-9%
|
2.81
+1%
|
2.95
+5%
|
3.25
+10%
|
2.73
-16%
|
2.8
+3%
|
2.85
+2%
|
2.65
-7%
|
2.88
+9%
|
2.71
-6%
|
2.31
-15%
|
2.43
+5%
|
2.42
0%
|
2.56
+6%
|
2.94
+15%
|
3.22
+10%
|
3.34
+4%
|
3.44
+3%
|
3.59
+4%
|
4.96
+38%
|
5.2
+5%
|
5.44
+5%
|
5.65
+4%
|
3.92
-31%
|
4
+2%
|
4.04
+1%
|
4.12
+2%
|
4.96
+20%
|
3.74
-25%
|
3.86
+3%
|
4.08
+6%
|
5.93
+45%
|
7.88
+33%
|
8.4
+7%
|
8.84
+5%
|
7.24
-18%
|
7.5
+4%
|
8.54
+14%
|
8.43
-1%
|
8.86
+5%
|
8.59
-3%
|
7.61
-11%
|
7.78
+2%
|
7.18
-8%
|
7.54
+5%
|
7.76
+3%
|
8.01
+3%
|
8.99
+12%
|
6.26
-30%
|
6.87
+10%
|
7.79
+13%
|
9.29
+19%
|
|