UMB Financial Corp
NASDAQ:UMBF
Balance Sheet
Balance Sheet Decomposition
UMB Financial Corp
UMB Financial Corp
Balance Sheet
UMB Financial Corp
| Dec-2002 | Dec-2003 | Dec-2004 | Dec-2005 | Dec-2006 | Dec-2007 | Dec-2008 | Dec-2009 | Dec-2010 | Dec-2011 | Dec-2012 | Dec-2013 | Dec-2014 | Dec-2015 | Dec-2016 | Dec-2017 | Dec-2018 | Dec-2019 | Dec-2020 | Dec-2021 | Dec-2022 | Dec-2023 | Dec-2024 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||||||||||||||||||
| Net Loans |
2 620
|
2 679
|
2 802
|
3 333
|
3 709
|
3 871
|
4 336
|
4 251
|
4 510
|
4 888
|
5 615
|
6 446
|
7 390
|
9 350
|
10 449
|
11 180
|
12 075
|
13 330
|
15 888
|
16 976
|
20 839
|
22 953
|
25 383
|
38 360
|
|
| Investments |
4 538
|
4 255
|
4 292
|
4 090
|
4 385
|
4 453
|
5 884
|
6 545
|
6 947
|
7 652
|
8 149
|
9 389
|
9 077
|
8 338
|
8 794
|
9 236
|
9 646
|
11 563
|
15 243
|
23 670
|
15 173
|
18 319
|
21 885
|
28 230
|
|
| PP&E Net |
231
|
219
|
226
|
236
|
243
|
236
|
227
|
218
|
220
|
228
|
245
|
250
|
258
|
281
|
289
|
276
|
284
|
367
|
356
|
328
|
318
|
292
|
269
|
398
|
|
| PP&E Gross |
231
|
219
|
226
|
236
|
243
|
236
|
227
|
218
|
220
|
228
|
245
|
250
|
258
|
281
|
289
|
276
|
284
|
367
|
356
|
328
|
318
|
292
|
269
|
0
|
|
| Accumulated Depreciation |
288
|
288
|
310
|
266
|
289
|
259
|
289
|
285
|
306
|
303
|
323
|
342
|
341
|
378
|
412
|
434
|
475
|
503
|
541
|
578
|
612
|
652
|
691
|
0
|
|
| Intangible Assets |
7
|
6
|
5
|
4
|
19
|
16
|
18
|
47
|
92
|
84
|
69
|
56
|
44
|
47
|
34
|
20
|
15
|
28
|
21
|
14
|
79
|
71
|
64
|
487
|
|
| Goodwill |
55
|
57
|
59
|
60
|
94
|
95
|
105
|
131
|
211
|
211
|
210
|
210
|
210
|
228
|
228
|
181
|
181
|
181
|
181
|
175
|
207
|
207
|
207
|
1 840
|
|
| Customer Acceptances Liabilities |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Long-Term Assets |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
34
|
19
|
27
|
58
|
6
|
27
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Assets |
157
|
136
|
131
|
165
|
189
|
203
|
216
|
281
|
387
|
376
|
382
|
373
|
403
|
730
|
762
|
790
|
853
|
943
|
1 318
|
1 415
|
1 752
|
2 114
|
2 407
|
4 952
|
|
| Total Assets |
8 036
N/A
|
7 749
-4%
|
7 805
+1%
|
8 248
+6%
|
8 918
+8%
|
9 343
+5%
|
10 977
+17%
|
11 663
+6%
|
12 405
+6%
|
13 541
+9%
|
14 927
+10%
|
16 912
+13%
|
17 501
+3%
|
19 094
+9%
|
20 683
+8%
|
21 772
+5%
|
23 351
+7%
|
26 561
+14%
|
33 128
+25%
|
42 693
+29%
|
38 512
-10%
|
44 012
+14%
|
50 410
+15%
|
73 094
+45%
|
|
| Liabilities | |||||||||||||||||||||||||
| Accrued Liabilities |
45
|
28
|
22
|
39
|
52
|
76
|
81
|
108
|
145
|
186
|
182
|
153
|
180
|
161
|
173
|
191
|
178
|
275
|
296
|
292
|
303
|
449
|
424
|
435
|
|
| Short-Term Debt |
1 304
|
1 245
|
1 545
|
1 396
|
1 639
|
1 769
|
2 143
|
1 957
|
2 120
|
1 963
|
1 787
|
1 583
|
2 025
|
1 823
|
1 857
|
1 261
|
1 519
|
1 897
|
2 315
|
3 238
|
2 222
|
3 920
|
2 610
|
3 325
|
|
| Current Portion of Long-Term Debt |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
2
|
12
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Total Deposits |
5 847
|
5 636
|
5 388
|
5 921
|
6 309
|
6 551
|
7 725
|
8 534
|
9 029
|
10 170
|
11 653
|
13 641
|
13 617
|
15 093
|
16 571
|
18 023
|
19 281
|
21 603
|
27 051
|
35 600
|
32 639
|
35 793
|
43 142
|
60 657
|
|
| Other Interest Bearing Liabilities |
11
|
16
|
21
|
38
|
38
|
36
|
36
|
25
|
9
|
7
|
6
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Total Current Liabilities |
1 349
|
1 273
|
1 567
|
1 435
|
1 691
|
1 845
|
2 224
|
2 065
|
2 265
|
2 149
|
1 969
|
1 736
|
2 205
|
1 984
|
2 030
|
1 452
|
1 699
|
2 184
|
2 611
|
3 530
|
2 525
|
4 368
|
3 033
|
3 760
|
|
| Long-Term Debt |
15
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
5
|
9
|
86
|
77
|
79
|
80
|
86
|
270
|
272
|
381
|
383
|
385
|
474
|
|
| Deferred Income Tax |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
30
|
96
|
22
|
0
|
0
|
0
|
0
|
|
| Other Liabilities |
10
|
12
|
10
|
20
|
31
|
21
|
16
|
23
|
41
|
25
|
19
|
23
|
26
|
37
|
43
|
36
|
62
|
52
|
83
|
124
|
300
|
367
|
383
|
509
|
|
| Total Liabilities |
7 233
N/A
|
6 937
-4%
|
6 986
+1%
|
7 414
+6%
|
8 069
+9%
|
8 452
+5%
|
10 002
+18%
|
10 648
+6%
|
11 344
+7%
|
12 350
+9%
|
13 648
+11%
|
15 406
+13%
|
15 857
+3%
|
17 201
+8%
|
18 720
+9%
|
19 590
+5%
|
21 123
+8%
|
23 955
+13%
|
30 111
+26%
|
39 548
+31%
|
35 845
-9%
|
40 911
+14%
|
46 943
+15%
|
65 401
+39%
|
|
| Equity | |||||||||||||||||||||||||
| Common Stock |
28
|
28
|
28
|
28
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
55
|
373
|
|
| Retained Earnings |
240
|
282
|
306
|
343
|
380
|
431
|
502
|
563
|
623
|
698
|
787
|
885
|
964
|
1 034
|
1 143
|
1 338
|
1 488
|
1 672
|
1 891
|
2 177
|
2 536
|
2 811
|
3 175
|
3 736
|
|
| Additional Paid In Capital |
726
|
726
|
727
|
728
|
700
|
703
|
708
|
713
|
718
|
723
|
732
|
882
|
895
|
1 020
|
1 033
|
1 046
|
1 055
|
1 074
|
1 090
|
1 111
|
1 126
|
1 134
|
1 146
|
4 011
|
|
| Unrealized Security Profit/Loss |
24
|
3
|
11
|
23
|
17
|
12
|
41
|
40
|
25
|
81
|
86
|
33
|
11
|
4
|
58
|
46
|
96
|
83
|
318
|
126
|
703
|
557
|
573
|
262
|
|
| Treasury Stock |
215
|
227
|
230
|
241
|
269
|
310
|
331
|
355
|
361
|
366
|
380
|
283
|
281
|
212
|
211
|
212
|
274
|
278
|
338
|
323
|
347
|
343
|
336
|
165
|
|
| Total Equity |
803
N/A
|
812
+1%
|
819
+1%
|
833
+2%
|
849
+2%
|
891
+5%
|
975
+9%
|
1 016
+4%
|
1 061
+4%
|
1 191
+12%
|
1 279
+7%
|
1 506
+18%
|
1 644
+9%
|
1 894
+15%
|
1 962
+4%
|
2 182
+11%
|
2 228
+2%
|
2 606
+17%
|
3 017
+16%
|
3 145
+4%
|
2 667
-15%
|
3 100
+16%
|
3 467
+12%
|
7 694
+122%
|
|
| Total Liabilities & Equity |
8 036
N/A
|
7 749
-4%
|
7 805
+1%
|
8 248
+6%
|
8 918
+8%
|
9 343
+5%
|
10 977
+17%
|
11 663
+6%
|
12 405
+6%
|
13 541
+9%
|
14 927
+10%
|
16 912
+13%
|
17 501
+3%
|
19 094
+9%
|
20 683
+8%
|
21 772
+5%
|
23 351
+7%
|
26 561
+14%
|
33 128
+25%
|
42 693
+29%
|
38 512
-10%
|
44 012
+14%
|
50 410
+15%
|
73 094
+45%
|
|
| Shares Outstanding | |||||||||||||||||||||||||
| Common Shares Outstanding |
44
|
43
|
43
|
43
|
42
|
41
|
41
|
40
|
40
|
40
|
40
|
45
|
46
|
49
|
50
|
50
|
49
|
49
|
48
|
48
|
48
|
49
|
49
|
76
|
|