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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 March 31, 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 April 22, 2022, UMB Financial Corporation had 48,404,130 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)

 

 

 

March 31,

 

 

December 31,

 

 

 

2022

 

 

2021

 

 

 

(unaudited)

 

 

(audited)

 

ASSETS

 

 

 

 

 

 

 

 

Loans

 

$

17,731,700

 

 

$

17,170,871

 

Allowance for credit losses on loans

 

 

(179,288

)

 

 

(194,771

)

Net loans

 

 

17,552,412

 

 

 

16,976,100

 

Loans held for sale

 

 

384

 

 

 

1,277

 

Securities:

 

 

 

 

 

 

 

 

Available for sale (amortized cost of $8,898,849 and $11,822,584, respectively)

 

 

8,550,093

 

 

 

11,976,514

 

Held to maturity, net of allowance for credit losses of $2,045 and $1,940, respectively (fair value of $4,393,455 and $1,442,391, respectively)

 

 

4,600,187

 

 

 

1,478,476

 

Trading securities

 

 

17,059

 

 

 

31,875

 

Other securities

 

 

332,123

 

 

 

327,098

 

Total securities

 

 

13,499,462

 

 

 

13,813,963

 

Federal funds sold and securities purchased under agreements to resell

 

 

1,319,809

 

 

 

1,216,357

 

Interest-bearing due from banks

 

 

6,355,941

 

 

 

8,841,906

 

Cash and due from banks

 

 

357,772

 

 

 

413,821

 

Premises and equipment, net

 

 

264,519

 

 

 

270,933

 

Accrued income

 

 

127,139

 

 

 

131,102

 

Goodwill

 

 

182,225

 

 

 

174,518

 

Other intangibles, net

 

 

15,690

 

 

 

14,416

 

Other assets

 

 

930,389

 

 

 

839,091

 

Total assets

 

$

40,605,742

 

 

$

42,693,484

 

 

 

 

 

 

 

 

 

 

LIABILITIES

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

Noninterest-bearing demand

 

$

15,946,738

 

 

$

16,342,642

 

Interest-bearing demand and savings

 

 

17,828,794

 

 

 

18,405,644

 

Time deposits under $250,000

 

 

399,467

 

 

 

403,660

 

Time deposits of $250,000 or more

 

 

187,566

 

 

 

447,981

 

Total deposits

 

 

34,362,565

 

 

 

35,599,927

 

Federal funds purchased and repurchase agreements

 

 

2,840,535

 

 

 

3,238,435

 

Long-term debt

 

 

272,036

 

 

 

271,544

 

Accrued expenses and taxes

 

 

178,130

 

 

 

249,492

 

Other liabilities

 

 

204,071

 

 

 

188,662

 

Total liabilities

 

 

37,857,337

 

 

 

39,548,060

 

 

 

 

 

 

 

 

 

 

SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

Common stock, $1.00 par value; 80,000,000 shares authorized; 55,056,730 shares issued, 48,403,262 and 48,430,805 shares outstanding, respectively

 

 

55,057

 

 

 

55,057

 

Capital surplus

 

 

1,109,585

 

 

 

1,110,520

 

Retained earnings

 

 

2,265,129

 

 

 

2,176,998

 

Accumulated other comprehensive (loss) income, net

 

 

(343,128

)

 

 

126,314

 

Treasury stock, 6,653,468 and 6,625,925 shares, at cost, respectively

 

 

(338,238

)

 

 

(323,465

)

Total shareholders' equity

 

 

2,748,405

 

 

 

3,145,424

 

Total liabilities and shareholders' equity

 

$

40,605,742

 

 

$

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

 

 

 

March 31,

 

 

 

2022

 

 

2021

 

INTEREST INCOME

 

 

 

 

 

 

 

 

Loans

 

$

149,470

 

 

$

150,170

 

Securities:

 

 

 

 

 

 

 

 

Taxable interest

 

 

43,382

 

 

 

27,162

 

Tax-exempt interest

 

 

23,855

 

 

 

24,964

 

Total securities income

 

 

67,237

 

 

 

52,126

 

Federal funds and resell agreements

 

 

2,450

 

 

 

2,821

 

Interest-bearing due from banks

 

 

2,457

 

 

 

703

 

Trading securities

 

 

185

 

 

 

159

 

Total interest income

 

 

221,799

 

 

 

205,979

 

INTEREST EXPENSE

 

 

 

 

 

 

 

 

Deposits

 

 

6,173

 

 

 

6,798

 

Federal funds and repurchase agreements

 

 

2,148

 

 

 

1,886

 

Other

 

 

3,123

 

 

 

3,180

 

Total interest expense

 

 

11,444

 

 

 

11,864

 

Net interest income

 

 

210,355

 

 

 

194,115

 

Provision for credit losses

 

 

(6,500

)

 

 

(7,500

)

Net interest income after provision for credit losses

 

 

216,855

 

 

 

201,615

 

NONINTEREST INCOME

 

 

 

 

 

 

 

 

Trust and securities processing

 

 

59,528

 

 

 

54,834

 

Trading and investment banking

 

 

5,440

 

 

 

9,356

 

Service charges on deposit accounts

 

 

24,642

 

 

 

21,976

 

Insurance fees and commissions

 

 

259

 

 

 

420

 

Brokerage fees

 

 

3,456

 

 

 

3,334

 

Bankcard fees

 

 

16,635

 

 

 

14,673

 

Investment securities losses, net

 

 

(522

)

 

 

(8,336

)

Other

 

 

14,240

 

 

 

12,640

 

Total noninterest income

 

 

123,678

 

 

 

108,897

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

130,634

 

 

 

127,681

 

Occupancy, net

 

 

12,232

 

 

 

11,935

 

Equipment

 

 

18,164

 

 

 

19,615

 

Supplies and services

 

 

3,262

 

 

 

3,492

 

Marketing and business development

 

 

4,932

 

 

 

2,345

 

Processing fees

 

 

18,443

 

 

 

15,417

 

Legal and consulting

 

 

6,911

 

 

 

5,755

 

Bankcard

 

 

6,567

 

 

 

4,956

 

Amortization of other intangible assets

 

 

1,071

 

 

 

1,380

 

Regulatory fees

 

 

3,482

 

 

 

2,546

 

Other

 

 

9,080

 

 

 

5,824

 

Total noninterest expense

 

 

214,778

 

 

 

200,946

 

Income before income taxes

 

 

125,755

 

 

 

109,566

 

Income tax expense

 

 

19,792

 

 

 

16,923

 

NET INCOME

 

$

105,963

 

 

$

92,643

 

 

 

 

 

 

 

 

 

 

PER SHARE DATA

 

 

 

 

 

 

 

 

Net income – basic

 

$

2.19

 

 

$

1.93

 

Net income – diluted

 

 

2.17

 

 

 

1.91

 

Dividends

 

 

0.37

 

 

 

0.32

 

Weighted average shares outstanding – basic

 

 

48,406,840

 

 

 

48,096,643

 

Weighted average shares outstanding – diluted

 

 

48,832,177

 

 

 

48,520,752

 

 

See Notes to Consolidated Financial Statements.

4


 

UMB FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(unaudited, dollars in thousands)

 

 

 

 

Three Months Ended

 

 

 

March 31,

 

 

 

2022

 

 

2021

 

Net income

 

$

105,963

 

 

$

92,643

 

Other comprehensive loss, before tax:

 

 

 

 

 

 

 

 

Unrealized gains and losses on debt securities:

 

 

 

 

 

 

 

 

Change in unrealized holding gains and losses, net

 

 

(622,910

)

 

 

(199,038

)

Less:  Reclassification adjustment for gains included in net income

 

 

 

 

 

(2,720

)

Amortization of net unrealized loss on securities transferred from available-for-sale to held-to-maturity

 

 

582

 

 

 

 

Change in unrealized gains and losses on debt securities during the period

 

 

(622,328

)

 

 

(201,758

)

Unrealized gains and losses on derivative hedges:

 

 

 

 

 

 

 

 

Change in unrealized gains and losses on derivative hedges

 

 

4,680

 

 

 

6,503

 

Less: Reclassification adjustment for gains included in net income

 

 

(851

)

 

 

(842

)

Change in unrealized gains and losses on derivative hedges

 

 

3,829

 

 

 

5,661

 

Other comprehensive loss, before tax

 

 

(618,499

)

 

 

(196,097

)

Income tax benefit

 

 

149,057

 

 

 

46,954

 

Other comprehensive loss

 

 

(469,442

)

 

 

(149,143

)

Comprehensive loss

 

$

(363,479

)

 

$

(56,500

)

See Notes to Consolidated Financial Statements.

5


 

UMB FINANCIAL CORPORATION

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY

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

 

 

 

 

Common

Stock

 

 

Capital

Surplus

 

 

Retained

Earnings

 

 

Accumulated Other Comprehensive Income (Loss)

 

 

Treasury

Stock

 

 

Total

 

Balance – January 1, 2021

 

$

55,057

 

 

$

1,090,450

 

 

$

1,891,246

 

 

$

318,340

 

 

$

(338,145

)

 

$

3,016,948

 

Total comprehensive income (loss)

 

 

 

 

 

 

 

 

92,643

 

 

 

(149,143

)

 

 

 

 

 

(56,500

)

Dividends ($0.32 per share)

 

 

 

 

 

 

 

 

(15,571

)

 

 

 

 

 

 

 

 

(15,571

)

Purchase of treasury stock