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Income Statement
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UMB FINANCIAL CORP (UMBF)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsJun-30-23Dec-31-22Jun-30-22Mar-31-22Dec-31-21Sep-30-21Jun-30-21Mar-31-21
   10-Q8-K10-Q10-Q10-K10-Q10-Q10-Q
    Interest income:  
        Interest income on loans  343.0 169.9149.5155.3159.2154.5150.2
        Interest income on investments  80.1 70.867.261.557.854.552.1
        Interest income on repurchase agreements  3.9 3.52.52.32.42.62.8
       461.4366.8248.6221.8221.6221.3212.6206.0
    Interest expense:  
        Interest on deposits  170.6 15.46.26.36.76.66.8
       195.397.520.411.411.011.611.611.9
Net interest income  656.7245.2269.0210.4210.6209.8201.1194.1
Provision for loan losses  13.09.013.4-6.58.5-5.024.0-7.5
Net interest income after provision for loan losses  643.7236.2255.6216.9202.1214.8177.1201.6
        Deposit and loan fees   19.8 24.621.619.922.622.0
        Other non-interest income  138.18.3176.399.097.288.0109.086.9
Total non-interest income  138.128.1176.3123.7118.8107.9131.6108.9
Non-interest expenses  240.7237.8214.1214.8222.5208.9201.3200.9
Equity in earnings          
Pre-tax income before non-recurring items  117.1123.8184.9132.7109.2121.4115.5115.3
Non-recurring items  7.1 11.36.910.97.68.15.8
Pre-tax income  110.0123.8173.6125.898.4113.8107.3109.6
Income taxes  19.923.736.019.819.919.319.916.9
            Tax rate  18.1%19.1%20.8%15.7%20.2%17.0%18.6%15.4%
Net income  90.1100.2137.6106.078.594.587.492.6
            Net margin  11.5%37.9%31.8%31.1%24.5%29.3%28.3%29.8%
   
Basic EPS  $1.86$2.07$2.85$2.19$1.63$1.96$1.81$1.93
Diluted EPS  $1.85$2.06$2.83$2.17$1.61$1.94$1.79$1.91
   
Shares outstanding (basic)  48.548.348.348.448.348.348.348.1
Shares outstanding (diluted)  48.748.748.748.848.748.748.748.5
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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