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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 10-Q

 

(MARK ONE)

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2022

OR

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from          to         

Commission file number001-38481

 

UMB FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

 

 

Missouri

 

43-0903811

(State or other jurisdiction of
incorporation or organization)

 

(I.R.S. Employer
Identification Number)

 

1010 Grand Boulevard, Kansas City, Missouri

 

64106

(Address of principal executive offices)

 

(Zip Code)

(Registrant's telephone number, including area code): (816) 860-7000

Securities Registered Pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $1.00 Par Value

UMBF

The NASDAQ Global Select Market

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes      No  

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes      No  

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer

 

Accelerated filer

Non- accelerated filer

 

Smaller reporting company

 

 

 

Emerging growth company

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes      No  

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.

As of October 21, 2022, UMB Financial Corporation had 48,312,303 shares of common stock outstanding.

 

 

 

 

 


 

 

 

UMB FINANCIAL CORPORATION

FORM 10-Q

INDEX

 

 

2

 


 

 

PART I – FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

UMB FINANCIAL CORPORATION

CONSOLIDATED BALANCE SHEETS

(dollars in thousands, except share and per share data)

 

 

 

September 30,

 

 

December 31,

 

 

 

2022

 

 

2021

 

 

 

(unaudited)

 

 

(audited)

 

ASSETS

 

 

 

 

 

 

 

 

Loans

 

$

19,883,573

 

 

$

17,170,871

 

Allowance for credit losses on loans

 

 

(184,913

)

 

 

(194,771

)

Net loans

 

 

19,698,660

 

 

 

16,976,100

 

Loans held for sale

 

 

2,870

 

 

 

1,277

 

Securities:

 

 

 

 

 

 

 

 

Available for sale (amortized cost of $7,992,603 and $11,822,584, respectively)

 

 

7,128,277

 

 

 

11,976,514

 

Held to maturity, net of allowance for credit losses of $2,519 and $1,940, respectively (fair value of $5,079,806 and $1,442,391, respectively)

 

 

5,835,187

 

 

 

1,478,476

 

Trading securities

 

 

14,390

 

 

 

31,875

 

Other securities

 

 

333,732

 

 

 

327,098

 

Total securities

 

 

13,311,586

 

 

 

13,813,963

 

Federal funds sold and securities purchased under agreements to resell

 

 

716,549

 

 

 

1,216,357

 

Interest-bearing due from banks

 

 

1,768,008

 

 

 

8,841,906

 

Cash and due from banks

 

 

371,336

 

 

 

413,821

 

Premises and equipment, net

 

 

260,685

 

 

 

270,933

 

Accrued income

 

 

153,759

 

 

 

131,102

 

Goodwill

 

 

182,225

 

 

 

174,518

 

Other intangibles, net

 

 

13,373

 

 

 

14,416

 

Other assets

 

 

1,102,011

 

 

 

839,091

 

Total assets

 

$

37,581,062

 

 

$

42,693,484

 

 

 

 

 

 

 

 

 

 

LIABILITIES

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

Noninterest-bearing demand

 

$

13,876,929

 

 

$

16,342,642

 

Interest-bearing demand and savings

 

 

17,059,492

 

 

 

18,405,644

 

Time deposits under $250,000

 

 

365,644

 

 

 

403,660

 

Time deposits of $250,000 or more

 

 

504,323

 

 

 

447,981

 

Total deposits

 

 

31,806,388

 

 

 

35,599,927

 

Federal funds purchased and repurchase agreements

 

 

2,314,168

 

 

 

3,238,435

 

Long-term debt

 

 

381,543

 

 

 

271,544

 

Accrued expenses and taxes

 

 

211,465

 

 

 

249,492

 

Other liabilities

 

 

343,953

 

 

 

188,662

 

Total liabilities

 

 

35,057,517

 

 

 

39,548,060

 

 

 

 

 

 

 

 

 

 

SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

Common stock, $1.00 par value; 80,000,000 shares authorized; 55,056,730 shares issued, 48,309,638 and 48,430,805 shares outstanding, respectively

 

 

55,057

 

 

 

55,057

 

Capital surplus

 

 

1,120,489

 

 

 

1,110,520

 

Retained earnings

 

 

2,454,422

 

 

 

2,176,998

 

Accumulated other comprehensive (loss) income, net

 

 

(759,260

)

 

 

126,314

 

Treasury stock, 6,747,092 and 6,625,925 shares, at cost, respectively

 

 

(347,163

)

 

 

(323,465

)

Total shareholders' equity

 

 

2,523,545

 

 

 

3,145,424

 

Total liabilities and shareholders' equity

 

$

37,581,062

 

 

$

42,693,484

 

 

 See Notes to Consolidated Financial Statements.

3

 


 

UMB FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF INCOME

(unaudited, dollars in thousands, except share and per share data)

 

 

 

Three Months Ended

 

 

Nine Months Ended

 

 

 

September 30,

 

 

September 30,

 

 

 

2022

 

 

2021

 

 

2022

 

 

2021

 

INTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

216,970

 

 

$

159,242

 

 

$

536,359

 

 

$

463,949

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable interest

 

 

50,003

 

 

 

33,307

 

 

 

140,680

 

 

 

90,249

 

Tax-exempt interest

 

 

24,692

 

 

 

24,458

 

 

 

72,085

 

 

 

74,165

 

Total securities income

 

 

74,695

 

 

 

57,765

 

 

 

212,765

 

 

 

164,414

 

Federal funds and resell agreements

 

 

6,056

 

 

 

2,389

 

 

 

12,003

 

 

 

7,762

 

Interest-bearing due from banks

 

 

2,545

 

 

 

1,699

 

 

 

9,209

 

 

 

3,235

 

Trading securities

 

 

73

 

 

 

231

 

 

 

372

 

 

 

579

 

Total interest income

 

 

300,339

 

 

 

221,326

 

 

 

770,708

 

 

 

639,939

 

INTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

 

48,457

 

 

 

6,741

 

 

 

70,069

 

 

 

20,113

 

Federal funds and repurchase agreements

 

 

14,709

 

 

 

1,596

 

 

 

21,855

 

 

 

5,261

 

Other

 

 

3,688

 

 

 

3,224

 

 

 

10,153

 

 

 

9,614

 

Total interest expense

 

 

66,854

 

 

 

11,561

 

 

 

102,077

 

 

 

34,988

 

Net interest income

 

 

233,485

 

 

 

209,765

 

 

 

668,631

 

 

 

604,951

 

Provision for credit losses

 

 

22,000

 

 

 

(5,000

)

 

 

28,900

 

 

 

11,500

 

Net interest income after provision for credit losses

 

 

211,485

 

 

 

214,765

 

 

 

639,731

 

 

 

593,451

 

NONINTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Trust and securities processing

 

 

59,586

 

 

 

56,914

 

 

 

178,000

 

 

 

165,611

 

Trading and investment banking

 

 

5,387

 

 

 

5,936

 

 

 

17,950

 

 

 

23,962

 

Service charges on deposit accounts

 

 

19,932

 

 

 

19,881

 

 

 

65,409

 

 

 

64,449

 

Insurance fees and commissions

 

 

375

 

 

 

285

 

 

 

879

 

 

 

950

 

Brokerage fees

 

 

13,840

 

 

 

2,899

 

 

 

29,687

 

 

 

8,825

 

Bankcard fees

 

 

19,379

 

 

 

17,198

 

 

 

53,854

 

 

 

47,934

 

Investment securities (losses) gains, net

 

 

(1,345

)

 

 

(3,510

)

 

 

58,853

 

 

 

3,609

 

Other

 

 

11,569

 

 

 

8,304

 

 

 

24,104

 

 

 

33,053

 

Total noninterest income

 

 

128,723

 

 

 

107,907

 

 

 

428,736

 

 

 

348,393

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

136,467

 

 

 

124,986

 

 

 

388,491

 

 

 

373,082

 

Occupancy, net