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

umbf-10q_20200630.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, 2020

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 24, 2020, UMB Financial Corporation had 48,023,910 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

5

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY

6

CONSOLIDATED STATEMENTS OF CASH FLOWS

7

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

9

ITEM 2.

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

52

ITEM 3.

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

71

ITEM 4.

CONTROLS AND PROCEDURES

77

 

 

 

PART II - OTHER INFORMATION

78

 

 

 

ITEM 1.

LEGAL PROCEEDINGS

78

ITEM 1A.

RISK FACTORS

78

ITEM 2.

UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

78

ITEM 3.

DEFAULTS UPON SENIOR SECURITIES

78

ITEM 4.

MINE SAFETY DISCLOSURES

78

ITEM 5.

OTHER INFORMATION

79

ITEM 6.

EXHIBITS

80

SIGNATURES

81

 

 

 

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,

 

 

 

2020

 

 

2019

 

 

 

(unaudited)

 

 

(audited)

 

ASSETS

 

 

 

 

 

 

 

 

Loans

 

$

15,305,097

 

 

$

13,431,722

 

Allowance for credit losses on loans(1)

 

 

(200,300

)

 

 

(101,788

)

Net loans

 

 

15,104,797

 

 

 

13,329,934

 

Loans held for sale

 

 

8,213

 

 

 

7,803

 

Securities:

 

 

 

 

 

 

 

 

Available for sale (amortized cost of $8,116,473 and $7,323,980, respectively)

 

 

8,483,624

 

 

 

7,447,362

 

Held to maturity, net of allowance for credit losses of $3,305 and $0, respectively (fair value of $1,153,833 and $1,082,345, respectively)

 

 

1,111,625

 

 

 

1,116,102

 

Trading securities

 

 

51,383

 

 

 

45,618

 

Other securities

 

 

154,206

 

 

 

108,420

 

Total securities

 

 

9,800,838

 

 

 

8,717,502

 

Federal funds sold and securities purchased under agreements to resell

 

 

1,347,643

 

 

 

1,578,345

 

Interest-bearing due from banks

 

 

1,714,478

 

 

 

1,225,491

 

Cash and due from banks

 

 

462,849

 

 

 

472,958

 

Premises and equipment, net

 

 

300,174

 

 

 

300,334

 

Accrued income

 

 

126,962

 

 

 

124,508

 

Goodwill

 

 

180,867

 

 

 

180,867

 

Other intangibles, net

 

 

24,181

 

 

 

27,597

 

Other assets

 

 

682,606

 

 

 

596,016

 

Total assets

 

$

29,753,608

 

 

$

26,561,355

 

 

 

 

 

 

 

 

 

 

LIABILITIES

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

Noninterest-bearing demand

 

$

8,633,603

 

 

$

6,944,465

 

Interest-bearing demand and savings

 

 

15,033,643

 

 

 

13,432,415

 

Time deposits under $250,000

 

 

546,089

 

 

 

611,587

 

Time deposits of $250,000 or more

 

 

246,069

 

 

 

614,777

 

Total deposits

 

 

24,459,404

 

 

 

21,603,244

 

Federal funds purchased and repurchase agreements

 

 

1,963,694

 

 

 

1,896,508

 

Short-term debt

 

 

15,000

 

 

 

 

Long-term debt

 

 

70,996

 

 

 

70,372

 

Accrued expenses and taxes

 

 

239,254

 

 

 

232,200

 

Other liabilities

 

 

227,865

 

 

 

152,591

 

Total liabilities

 

 

26,976,213

 

 

 

23,954,915

 

 

 

 

 

 

 

 

 

 

SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

Common stock, $1.00 par value; 80,000,000 shares authorized; 55,056,730 shares issued, 48,021,707 and 49,097,606 shares outstanding, respectively

 

 

55,057

 

 

 

55,057

 

Capital surplus

 

 

1,081,713

 

 

 

1,073,764

 

Retained earnings

 

 

1,692,289

 

 

 

1,672,438

 

Accumulated other comprehensive income, net

 

 

284,262

 

 

 

83,180

 

Treasury stock, 7,035,023 and 5,959,124 shares, at cost, respectively

 

 

(335,926

)

 

 

(277,999

)

Total shareholders' equity

 

 

2,777,395

 

 

 

2,606,440

 

Total liabilities and shareholders' equity

 

$

29,753,608

 

 

$

26,561,355

 

 

(1)

As of December 31, 2019, this line represents the Allowance for loan losses. See further discussion of this change in Note 3, “New Accounting Pronouncements.”

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,

 

 

 

2020

 

 

2019

 

 

2020

 

 

2019

 

INTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

140,004

 

 

$

161,838

 

 

$

291,030

 

 

$

319,099

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable interest

 

 

25,870

 

 

 

26,700

 

 

 

53,082

 

 

 

52,091

 

Tax-exempt interest

 

 

24,612

 

 

 

21,988

 

 

 

49,016

 

 

 

42,685

 

Total securities income

 

 

50,482

 

 

 

48,688

 

 

 

102,098

 

 

 

94,776

 

Federal funds and resell agreements

 

 

1,573

 

 

 

2,526

 

 

 

7,025

 

 

 

6,151

 

Interest-bearing due from banks

 

 

398

 

 

 

2,768

 

 

 

3,061

 

 

 

6,667

 

Trading securities

 

 

312

 

 

 

842

 

 

 

966

 

 

 

1,276

 

Total interest income

 

 

192,769

 

 

 

216,662

 

 

 

404,180

 

 

 

427,969

 

INTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

 

11,243

 

 

 

39,516

 

 

 

40,975

 

 

 

77,350

 

Federal funds and repurchase agreements

 

 

1,950

 

 

 

9,347

 

 

 

8,331

 

 

 

17,611

 

Other

 

 

1,347

 

 

 

1,385

 

 

 

2,704

 

 

 

2,726

 

Total interest expense

 

 

14,540

 

 

 

50,248

 

 

 

52,010

 

 

 

97,687

 

Net interest income

 

 

178,229

 

 

 

166,414

 

 

 

352,170

 

 

 

330,282

 

Provision for credit losses(1)

 

 

21,500

 

 

 

11,000

 

 

 

109,500

 

 

 

23,350

 

Net interest income after provision for credit losses

 

 

156,729

 

 

 

155,414

 

 

 

242,670

 

 

 

306,932

 

NONINTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Trust and securities processing

 

 

46,321

 

 

 

42,903

 

 

 

93,321

 

 

 

84,860

 

Trading and investment banking

 

 

12,851

 

 

 

5,453

 

 

 

14,574

 

 

 

11,034

 

Service charges on deposit accounts

 

 

19,074

 

 

 

20,747

 

 

 

44,155

 

 

 

42,028

 

Insurance fees and commissions

 

 

533

 

 

 

465

 

 

 

792

 

 

 

803

 

Brokerage fees

 

 

5,753

 

 

 

7,077

 

 

 

15,613

 

 

 

14,320

 

Bankcard fees

 

 

12,916

 

 

 

16,439

 

 

 

29,461

 

 

 

33,506

 

Gains (losses) on sales of securities available for sale, net

 

 

4,006

 

 

 

(1,403

)

 

 

5,233

 

 

 

(594

)

Other

 

 

19,002

 

 

 

13,717

 

 

 

15,731

 

 

 

26,823

 

Total noninterest income

 

 

120,456

 

 

 

105,398

 

 

 

218,880

 

 

 

212,780

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

130,938

 

 

 

114,454

 

 

 

241,998

 

 

 

230,486

 

Occupancy, net

 

 

11,411

 

 

 

11,539

 

 

 

23,591

 

 

 

23,282

 

Equipment

 

 

21,502

 

 

 

18,824

 

 

 

42,743

 

 

 

38,508

 

Supplies and services

 

 

3,785

 

 

 

4,285

 

 

 

7,970

 

 

 

8,158

 

Marketing and business development

 

 

3,284

 

 

 

7,304

 

 

 

7,924

 

 

 

12,217

 

Processing fees

 

 

13,603

 

 

 

13,096

 

 

 

26,993

 

 

 

25,228

 

Legal and consulting

 

 

6,220

 

 

 

7,496

 

 

 

12,330

 

 

 

13,129

 

Bankcard

 

 

4,549

 

 

 

4,701

 

 

 

9,409

 

 

 

9,046

 

Amortization of other intangible assets

 

 

1,658

 

 

 

1,251

 

 

 

3,392

 

 

 

2,578

 

Regulatory fees

 

 

3,211

 

 

 

2,910

 

 

 

5,577

 

 

 

5,800

 

Other

 

 

8,372

 

 

 

7,527

 

 

 

15,225

 

 

 

15,581

 

Total noninterest expense

 

 

208,533

 

 

 

193,387

 

 

 

397,152

 

 

 

384,013

 

Income before income taxes

 

 

68,652

 

 

 

67,425

 

 

 

64,398

 

 

 

135,699

 

Income tax expense

 

 

8,123

 

 

 

10,466

 

 

 

7,308

 

 

 

20,996

 

NET INCOME

 

$

60,529

 

 

$

56,959

 

 

$

57,090

 

 

$

114,703

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

PER SHARE DATA