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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    634.0618.6619.3616.4599.6585.1
        Interest income on investments    257.4241.0225.9216.1210.1206.0
        Interest income on repurchase agreements    10.69.710.010.310.29.2
         913.3877.3861.5847.2822.9803.1
    Interest expense:  
        Interest on deposits    34.725.826.428.130.635.3
         54.545.646.047.648.751.7
Net interest income    899.7831.8815.5799.6774.2751.4
Provision for loan losses    10.421.020.016.537.535.0
Net interest income after provision for loan losses    889.3810.8795.5783.1736.7716.4
        Deposit and loan fees     88.786.184.584.380.8
        Other non-interest income    460.6393.2381.1492.2497.5489.9
Total non-interest income    526.7482.0467.2576.7581.8570.6
Non-interest expenses    860.3847.5833.6838.0827.1834.3
Pre-tax income before non-recurring items    548.2478.8461.5553.5522.7482.1
Non-recurring items    36.733.632.431.731.329.4
Pre-tax income    511.5445.2429.1521.8491.4452.7
Income taxes    95.078.976.091.081.970.1
            Tax rate    18.6%17.7%17.7%17.4%16.7%15.5%
Net income    416.5366.3353.0430.8409.5382.6
            Net margin    29.4%28.3%28.0%31.7%31.1%29.7%
   
Basic EPS    $8.62$7.58$7.32$8.94$8.51$7.96
Diluted EPS    $8.54$7.51$7.25$8.87$8.46$7.93
   
Shares outstanding (basic)    48.348.348.248.248.148.0
Shares outstanding (diluted)    48.748.848.748.648.448.3
   
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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