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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, 2021

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 22, 2021, UMB Financial Corporation had 48,358,797 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,

 

 

 

2021

 

 

2020

 

 

 

(unaudited)

 

 

(audited)

 

ASSETS

 

 

 

 

 

 

 

 

Loans

 

$

16,469,463

 

 

$

16,103,651

 

Allowance for credit losses on loans

 

 

(194,156

)

 

 

(215,973

)

Net loans

 

 

16,275,307

 

 

 

15,887,678

 

Loans held for sale

 

 

4,645

 

 

 

6,708

 

Securities:

 

 

 

 

 

 

 

 

Available for sale (amortized cost of $10,956,847 and $8,887,734, respectively)

 

 

11,162,690

 

 

 

9,299,688

 

Held to maturity, net of allowance for credit losses of $2,116 and $2,610, respectively (fair value of $1,064,816 and $1,029,444, respectively)

 

 

1,087,308

 

 

 

1,012,004

 

Trading securities

 

 

68,882

 

 

 

35,020

 

Other securities

 

 

274,645

 

 

 

296,053

 

Total securities

 

 

12,593,525

 

 

 

10,642,765

 

Federal funds sold and securities purchased under agreements to resell

 

 

1,092,104

 

 

 

1,650,335

 

Interest-bearing due from banks

 

 

5,739,267

 

 

 

3,110,042

 

Cash and due from banks

 

 

426,843

 

 

 

430,638

 

Premises and equipment, net

 

 

273,378

 

 

 

293,095

 

Accrued income

 

 

122,798

 

 

 

139,892

 

Goodwill

 

 

174,518

 

 

 

180,867

 

Other intangibles, net

 

 

15,526

 

 

 

21,056

 

Other assets

 

 

836,374

 

 

 

764,428

 

Total assets

 

$

37,554,285

 

 

$

33,127,504

 

 

 

 

 

 

 

 

 

 

LIABILITIES

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

Noninterest-bearing demand

 

$

13,189,739

 

 

$

9,879,970

 

Interest-bearing demand and savings

 

 

17,461,390

 

 

 

16,295,186

 

Time deposits under $250,000

 

 

415,068

 

 

 

477,748

 

Time deposits of $250,000 or more

 

 

169,613

 

 

 

398,347

 

Total deposits

 

 

31,235,810

 

 

 

27,051,251

 

Federal funds purchased and repurchase agreements

 

 

2,500,340

 

 

 

2,315,497

 

Long-term debt

 

 

271,049

 

 

 

269,595

 

Accrued expenses and taxes

 

 

249,567

 

 

 

319,676

 

Other liabilities

 

 

184,679

 

 

 

154,537

 

Total liabilities

 

 

34,441,445

 

 

 

30,110,556

 

 

 

 

 

 

 

 

 

 

SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

Common stock, $1.00 par value; 80,000,000 shares authorized; 55,056,730 shares issued, 48,355,373 and 48,006,386 shares outstanding, respectively

 

 

55,057

 

 

 

55,057

 

Capital surplus

 

 

1,102,818

 

 

 

1,090,450

 

Retained earnings

 

 

2,116,568

 

 

 

1,891,246

 

Accumulated other comprehensive income, net

 

 

164,307

 

 

 

318,340

 

Treasury stock, 6,701,357 and 7,050,344 shares, at cost, respectively

 

 

(325,910

)

 

 

(338,145

)

Total shareholders' equity

 

 

3,112,840

 

 

 

3,016,948

 

Total liabilities and shareholders' equity

 

$

37,554,285

 

 

$

33,127,504

 

 

 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,

 

 

 

2021

 

 

2020

 

 

2021

 

 

2020

 

INTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

159,242

 

 

$

142,441

 

 

$

463,949

 

 

$

433,471

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable interest

 

 

33,307

 

 

 

26,393

 

 

 

90,249

 

 

 

79,475

 

Tax-exempt interest

 

 

24,458

 

 

 

25,377

 

 

 

74,165

 

 

 

74,393

 

Total securities income

 

 

57,765

 

 

 

51,770

 

 

 

164,414

 

 

 

153,868

 

Federal funds and resell agreements

 

 

2,389

 

 

 

2,248

 

 

 

7,762

 

 

 

9,273

 

Interest-bearing due from banks

 

 

1,699

 

 

 

299

 

 

 

3,235

 

 

 

3,360

 

Trading securities

 

 

231

 

 

 

259

 

 

 

579

 

 

 

1,225

 

Total interest income

 

 

221,326

 

 

 

197,017

 

 

 

639,939

 

 

 

601,197

 

INTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

 

6,741

 

 

 

9,284

 

 

 

20,113

 

 

 

50,259

 

Federal funds and repurchase agreements

 

 

1,596

 

 

 

1,730

 

 

 

5,261

 

 

 

10,061

 

Other

 

 

3,224

 

 

 

1,619

 

 

 

9,614

 

 

 

4,323

 

Total interest expense

 

 

11,561

 

 

 

12,633

 

 

 

34,988

 

 

 

64,643

 

Net interest income

 

 

209,765

 

 

 

184,384

 

 

 

604,951

 

 

 

536,554

 

Provision for credit losses

 

 

(5,000

)

 

 

16,000

 

 

 

11,500

 

 

 

125,500

 

Net interest income after provision for credit losses

 

 

214,765

 

 

 

168,384

 

 

 

593,451

 

 

 

411,054

 

NONINTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Trust and securities processing

 

 

56,914

 

 

 

50,552

 

 

 

165,611

 

 

 

143,873

 

Trading and investment banking

 

 

5,936

 

 

 

8,678

 

 

 

23,962

 

 

 

23,252

 

Service charges on deposit accounts

 

 

19,881

 

 

 

19,650

 

 

 

64,449

 

 

 

63,805

 

Insurance fees and commissions

 

 

285

 

 

 

259

 

 

 

950

 

 

 

1,051

 

Brokerage fees

 

 

2,899

 

 

 

4,819

 

 

 

8,825

 

 

 

20,432

 

Bankcard fees

 

 

17,198

 

 

 

15,295

 

 

 

47,934

 

 

 

44,756

 

Investment securities (losses) gains, net

 

 

(3,510

)

 

 

(475

)

 

 

3,609

 

 

 

7,624

 

Other

 

 

8,304

 

 

 

14,218

 

 

 

33,053

 

 

 

27,083

 

Total noninterest income

 

 

107,907

 

 

 

112,996

 

 

 

348,393

 

 

 

331,876

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits