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Section 1: 10-Q (FORM 10-Q)

umbf-10q_20190630.htm
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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 June 30, 2019

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 July 26, 2019, UMB Financial Corporation had 49,068,136 shares of common stock outstanding.

 

 

 


 

UMB FINANCIAL CORPORATION

FORM 10-Q

INDEX

 

PART I – FINANCIAL INFORMATION

3

 

 

 

ITEM 1.

FINANCIAL STATEMENTS (UNAUDITED)

3

CONSOLIDATED BALANCE SHEETS

3

CONSOLIDATED STATEMENTS OF INCOME

4

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

6

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY

7

CONSOLIDATED STATEMENTS OF CASH FLOWS

8

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

9

ITEM 2.

MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

41

ITEM 3.

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

58

ITEM 4.

CONTROLS AND PROCEDURES

63

 

 

 

PART II - OTHER INFORMATION

64

 

 

 

ITEM 1.

LEGAL PROCEEDINGS

64

ITEM 1A.

RISK FACTORS

64

ITEM 2.

UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

64

ITEM 3.

DEFAULTS UPON SENIOR SECURITIES

64

ITEM 4.

MINE SAFETY DISCLOSURES

64

ITEM 5.

OTHER INFORMATION

64

ITEM 6.

EXHIBITS

65

SIGNATURES

66

 

2


 

PART I – FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

UMB FINANCIAL CORPORATION

CONSOLIDATED BALANCE SHEETS

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

 

 

 

June 30,

 

 

December 31,

 

 

 

2019

 

 

2018

 

 

 

(unaudited)

 

 

(audited)

 

ASSETS

 

 

 

 

 

 

 

 

Loans

 

$

12,900,269

 

 

$

12,178,150

 

Allowance for loan losses

 

 

(102,092

)

 

 

(103,635

)

Net loans

 

 

12,798,177

 

 

 

12,074,515

 

Loans held for sale

 

 

2,771

 

 

 

3,192

 

Securities:

 

 

 

 

 

 

 

 

Available for sale

 

 

7,176,351

 

 

 

6,542,800

 

Held to maturity (fair value of $1,094,427 and $1,070,532, respectively)

 

 

1,112,773

 

 

 

1,170,646

 

Trading securities

 

 

81,381

 

 

 

61,011

 

Other securities

 

 

89,302

 

 

 

73,692

 

Total investment securities

 

 

8,459,807

 

 

 

7,848,149

 

Federal funds sold and securities purchased under agreements to resell

 

 

283,603

 

 

 

627,001

 

Interest-bearing due from banks

 

 

876,551

 

 

 

1,047,830

 

Cash and due from banks

 

 

422,648

 

 

 

645,123

 

Premises and equipment, net

 

 

278,725

 

 

 

283,879

 

Accrued income

 

 

124,396

 

 

 

110,168

 

Goodwill

 

 

180,867

 

 

 

180,867

 

Other intangibles, net

 

 

12,425

 

 

 

15,003

 

Other assets

 

 

576,306

 

 

 

515,392

 

Total assets

 

$

24,016,276

 

 

$

23,351,119

 

 

 

 

 

 

 

 

 

 

LIABILITIES

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

Noninterest-bearing demand

 

$

6,524,428

 

 

$

6,680,070

 

Interest-bearing demand and savings

 

 

11,870,782

 

 

 

11,454,442

 

Time deposits under $250,000

 

 

610,711

 

 

 

593,904

 

Time deposits of $250,000 or more

 

 

394,309

 

 

 

552,844

 

Total deposits

 

 

19,400,230

 

 

 

19,281,260

 

Federal funds purchased and repurchase agreements

 

 

1,708,884

 

 

 

1,518,920

 

Long-term debt

 

 

88,569

 

 

 

82,671

 

Accrued expenses and taxes

 

 

198,141

 

 

 

177,731

 

Other liabilities

 

 

142,662

 

 

 

62,067

 

Total liabilities

 

 

21,538,486

 

 

 

21,122,649

 

 

 

 

 

 

 

 

 

 

SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

Common stock, $1.00 par value; 80,000,000 shares authorized; 55,056,730

   shares issued; and 49,062,900 and 49,117,222 shares outstanding, respectively

 

 

55,057

 

 

 

55,057

 

Capital surplus

 

 

1,065,301

 

 

 

1,054,601

 

Retained earnings

 

 

1,573,586

 

 

 

1,488,421

 

Accumulated other comprehensive income (loss), net

 

 

62,617

 

 

 

(95,782

)

Treasury stock, 5,993,830 and 5,939,508 shares, at cost, respectively

 

 

(278,771

)

 

 

(273,827

)

Total shareholders' equity

 

 

2,477,790

 

 

 

2,228,470

 

Total liabilities and shareholders' equity

 

$

24,016,276

 

 

$

23,351,119

 

 

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

 

 

Six Months Ended

 

 

 

June 30,

 

 

June 30,

 

 

 

2019

 

 

2018

 

 

2019

 

 

2018

 

INTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

161,838

 

 

$

135,150

 

 

$

319,099

 

 

$

261,284

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable interest

 

 

26,700

 

 

 

20,523

 

 

 

52,091

 

 

 

40,303

 

Tax-exempt interest

 

 

21,988

 

 

 

18,290

 

 

 

42,685

 

 

 

36,993

 

Total securities income

 

 

48,688

 

 

 

38,813

 

 

 

94,776

 

 

 

77,296

 

Federal funds and resell agreements

 

 

2,526

 

 

 

752

 

 

 

6,151

 

 

 

1,790

 

Interest-bearing due from banks

 

 

2,768

 

 

 

1,056

 

 

 

6,667

 

 

 

2,636

 

Trading securities

 

 

842

 

 

 

709

 

 

 

1,276

 

 

 

1,139

 

Total interest income

 

 

216,662

 

 

 

176,480

 

 

 

427,969

 

 

 

344,145

 

INTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

 

39,516

 

 

 

18,334

 

 

 

77,350

 

 

 

32,169

 

Federal funds and repurchase agreements

 

 

9,347

 

 

 

6,666

 

 

 

17,611

 

 

 

11,398

 

Other

 

 

1,385

 

 

 

1,254

 

 

 

2,726

 

 

 

2,430

 

Total interest expense

 

 

50,248

 

 

 

26,254

 

 

 

97,687

 

 

 

45,997

 

Net interest income

 

 

166,414

 

 

 

150,226

 

 

 

330,282

 

 

 

298,148

 

Provision for loan losses

 

 

11,000

 

 

 

7,000

 

 

 

23,350

 

 

 

17,000

 

Net interest income after provision for loan losses

 

 

155,414

 

 

 

143,226

 

 

 

306,932

 

 

 

281,148

 

NONINTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Trust and securities processing

 

 

42,903

 

 

 

42,845

 

 

 

84,860

 

 

 

86,847

 

Trading and investment banking

 

 

5,453

 

 

 

4,653

 

 

 

11,034

 

 

 

8,754

 

Service charges on deposit accounts

 

 

20,747

 

 

 

20,722

 

 

 

42,028

 

 

 

42,627

 

Insurance fees and commissions

 

 

465

 

 

 

340

 

 

 

803

 

 

 

641

 

Brokerage fees

 

 

7,077

 

 

 

6,291

 

 

 

14,320

 

 

 

12,644

 

Bankcard fees

 

 

16,439

 

 

 

17,184

 

 

 

33,506

 

 

 

35,307

 

(Losses) gains on sales of securities available for sale, net

 

 

(1,403

)

 

 

228

 

 

 

(594

)

 

 

367

 

Other

 

 

13,717

 

 

 

8,026

 

 

 

26,823

 

 

 

18,627

 

Total noninterest income

 

 

105,398

 

 

 

100,289

 

 

 

212,780

 

 

 

205,814

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

114,454

 

 

 

104,175

 

 

 

230,486

 

 

 

212,143

 

Occupancy, net

 

 

11,539

 

 

 

10,813

 

 

 

23,282

 

 

 

21,766

 

Equipment

 

 

18,824

 

 

 

18,842

 

 

 

38,508

 

 

 

37,668

 

Supplies and services

 

 

4,285

 

 

 

4,146

 

 

 

8,158

 

 

 

7,906

 

Marketing and business development

 

 

7,304

 

 

 

6,184

 

 

 

12,217

 

 

 

11,218

 

Processing fees

 

 

13,096

 

 

 

11,537

 

 

 

25,228

 

 

 

22,698

 

Legal and consulting

 

 

7,496

 

 

 

6,460

 

 

 

13,129

 

 

 

10,304

 

Bankcard

 

 

4,701

 

 

 

4,165

 

 

 

9,046

 

 

 

8,791

 

Amortization of other intangible assets

 

 

1,251

 

 

 

1,485

 

 

 

2,578

 

 

 

3,047

 

Regulatory fees

 

 

2,910

 

 

 

3,772

 

 

 

5,800

 

 

 

6,677

 

Other

 

 

7,527

 

 

 

5,639

 

 

 

15,581

 

 

 

10,876

 

Total noninterest expense

 

 

193,387

 

 

 

177,218

 

 

 

384,013

 

 

 

353,094

 

Income before income taxes

 

 

67,425

 

 

 

66,297

 

 

 

135,699

 

 

 

133,868

 

Income tax expense

 

 

10,466

 

 

 

10,873

 

 

 

20,996

 

 

 

20,911

 

Income from continuing operations

 

 

56,959

 

 

 

55,424

 

 

 

114,703

 

 

 

112,957

 

Discontinued Operations

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loss from discontinued operations before income taxes

 

 

 

 

 

 

 

 

 

 

 

(917

)

Income tax benefit

 

 

 

 

 

 

 

 

 

 

 

(170

)

Loss from discontinued operations

 

 

 

 

 

 

 

 

 

 

 

(747

)

NET INCOME

 

$

56,959

 

 

$

55,424

 

 

$

114,703

 

 

$

112,210

 

 

4


 

PER SHARE DATA

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Basic:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Income from continuing operations

 

$

1.17

 

 

$

1.12

 

 

$

2.35