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

umbf-10q_20200930.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 September 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 October 23, 2020, UMB Financial Corporation had 48,030,860 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

53

ITEM 3.

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

73

ITEM 4.

CONTROLS AND PROCEDURES

79

 

 

 

PART II - OTHER INFORMATION

80

 

 

 

ITEM 1.

LEGAL PROCEEDINGS

80

ITEM 1A.

RISK FACTORS

80

ITEM 2.

UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

80

ITEM 6.

EXHIBITS

81

SIGNATURES

82

 

 

 

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,

 

 

 

2020

 

 

2019

 

 

 

(unaudited)

 

 

(audited)

 

ASSETS

 

 

 

 

 

 

 

 

Loans

 

$

15,950,177

 

 

$

13,431,722

 

Allowance for credit losses on loans(1)

 

 

(211,688

)

 

 

(101,788

)

Net loans

 

 

15,738,489

 

 

 

13,329,934

 

Loans held for sale

 

 

10,978

 

 

 

7,803

 

Securities:

 

 

 

 

 

 

 

 

Available for sale (amortized cost of $8,331,431 and $7,323,980, respectively)

 

 

8,719,246

 

 

 

7,447,362

 

Held to maturity, net of allowance for credit losses of $2,806 and $0, respectively (fair value of $1,099,289 and $1,082,345, respectively)

 

 

1,067,501

 

 

 

1,116,102

 

Trading securities

 

 

49,154

 

 

 

45,618

 

Other securities

 

 

159,994

 

 

 

108,420

 

Total securities

 

 

9,995,895

 

 

 

8,717,502

 

Federal funds sold and securities purchased under agreements to resell

 

 

1,101,313

 

 

 

1,578,345

 

Interest-bearing due from banks

 

 

1,613,675

 

 

 

1,225,491

 

Cash and due from banks

 

 

440,659

 

 

 

472,958

 

Premises and equipment, net

 

 

295,090

 

 

 

300,334

 

Accrued income

 

 

132,574

 

 

 

124,508

 

Goodwill

 

 

180,867

 

 

 

180,867

 

Other intangibles, net

 

 

22,657

 

 

 

27,597

 

Other assets

 

 

718,775

 

 

 

596,016

 

Total assets

 

$

30,250,972

 

 

$

26,561,355

 

 

 

 

 

 

 

 

 

 

LIABILITIES

 

 

 

 

 

 

 

 

Deposits:

 

 

 

 

 

 

 

 

Noninterest-bearing demand

 

$

8,752,882

 

 

$

6,944,465

 

Interest-bearing demand and savings

 

 

15,298,562

 

 

 

13,432,415

 

Time deposits under $250,000

 

 

491,378

 

 

 

611,587

 

Time deposits of $250,000 or more

 

 

195,085

 

 

 

614,777

 

Total deposits

 

 

24,737,907

 

 

 

21,603,244

 

Federal funds purchased and repurchase agreements

 

 

1,929,004

 

 

 

1,896,508

 

Short-term debt

 

 

15,000

 

 

 

 

Long-term debt

 

 

269,044

 

 

 

70,372

 

Accrued expenses and taxes

 

 

255,720

 

 

 

232,200

 

Other liabilities

 

 

190,117

 

 

 

152,591

 

Total liabilities

 

 

27,396,792

 

 

 

23,954,915

 

 

 

 

 

 

 

 

 

 

SHAREHOLDERS' EQUITY

 

 

 

 

 

 

 

 

Common stock, $1.00 par value; 80,000,000 shares authorized; 55,056,730 shares issued, 48,028,679 and 49,097,606 shares outstanding, respectively

 

 

55,057

 

 

 

55,057

 

Capital surplus

 

 

1,085,375

 

 

 

1,073,764

 

Retained earnings

 

 

1,750,389

 

 

 

1,672,438

 

Accumulated other comprehensive income, net

 

 

299,103

 

 

 

83,180

 

Treasury stock, 7,028,051 and 5,959,124 shares, at cost, respectively

 

 

(335,744

)

 

 

(277,999

)

Total shareholders' equity

 

 

2,854,180

 

 

 

2,606,440

 

Total liabilities and shareholders' equity

 

$

30,250,972

 

 

$

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

 

 

Nine Months Ended

 

 

 

September 30,

 

 

September 30,

 

 

 

2020

 

 

2019

 

 

2020

 

 

2019

 

INTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans

 

$

142,441

 

 

$

162,243

 

 

$

433,471

 

 

$

481,342

 

Securities:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Taxable interest

 

 

26,393

 

 

 

26,966

 

 

 

79,475

 

 

 

79,057

 

Tax-exempt interest

 

 

25,377

 

 

 

23,202

 

 

 

74,393

 

 

 

65,887

 

Total securities income

 

 

51,770

 

 

 

50,168

 

 

 

153,868

 

 

 

144,944

 

Federal funds and resell agreements

 

 

2,248

 

 

 

2,817

 

 

 

9,273

 

 

 

8,968

 

Interest-bearing due from banks

 

 

299

 

 

 

3,450

 

 

 

3,360

 

 

 

10,117

 

Trading securities

 

 

259

 

 

 

425

 

 

 

1,225

 

 

 

1,701

 

Total interest income

 

 

197,017

 

 

 

219,103

 

 

 

601,197

 

 

 

647,072

 

INTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Deposits

 

 

9,284

 

 

 

41,144

 

 

 

50,259

 

 

 

118,494

 

Federal funds and repurchase agreements

 

 

1,730

 

 

 

8,313

 

 

 

10,061

 

 

 

25,924

 

Other

 

 

1,619

 

 

 

1,386

 

 

 

4,323

 

 

 

4,112

 

Total interest expense

 

 

12,633

 

 

 

50,843

 

 

 

64,643

 

 

 

148,530

 

Net interest income

 

 

184,384

 

 

 

168,260

 

 

 

536,554

 

 

 

498,542

 

Provision for credit losses(1)

 

 

16,000

 

 

 

7,500

 

 

 

125,500

 

 

 

30,850

 

Net interest income after provision for credit losses

 

 

168,384

 

 

 

160,760

 

 

 

411,054

 

 

 

467,692

 

NONINTEREST INCOME

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Trust and securities processing

 

 

50,552

 

 

 

45,218

 

 

 

143,873

 

 

 

130,078

 

Trading and investment banking

 

 

8,678

 

 

 

5,712

 

 

 

23,252

 

 

 

16,746

 

Service charges on deposit accounts

 

 

19,650

 

 

 

20,620

 

 

 

63,805

 

 

 

62,648

 

Insurance fees and commissions

 

 

259

 

 

 

320

 

 

 

1,051

 

 

 

1,123

 

Brokerage fees

 

 

4,819

 

 

 

8,102

 

 

 

20,432

 

 

 

22,422

 

Bankcard fees

 

 

15,295

 

 

 

16,895

 

 

 

44,756

 

 

 

50,401

 

Gains on sales of securities available for sale, net

 

 

311

 

 

 

3,057

 

 

 

5,544

 

 

 

2,463

 

Other

 

 

13,432

 

 

 

3,711

 

 

 

29,163

 

 

 

30,534

 

Total noninterest income

 

 

112,996

 

 

 

103,635

 

 

 

331,876

 

 

 

316,415

 

NONINTEREST EXPENSE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Salaries and employee benefits

 

 

124,194

 

 

 

110,153

 

 

 

366,192

 

 

 

340,639

 

Occupancy, net

 

 

12,027

 

 

 

12,240

 

 

 

35,618

 

 

 

35,522

 

Equipment

 

 

20,968

 

 

 

19,775

 

 

 

63,711

 

 

 

58,283

 

Supplies and services

 

 

3,442

 

 

 

4,261

 

 

 

11,412

 

 

 

12,419

 

Marketing and business development

 

 

3,038

 

 

 

5,655

 

 

 

10,962

 

 

 

17,872

 

Processing fees

 

 

12,812

 

 

 

13,619

 

 

 

39,805

 

 

 

38,847

 

Legal and consulting

 

 

7,244

 

 

 

8,374

 

 

 

19,574

 

 

 

21,503

 

Bankcard

 

 

4,834

 

 

 

4,643

 

 

 

14,243

 

 

 

13,689

 

Amortization of other intangible assets

 

 

1,524

 

 

 

1,335

 

 

 

4,916

 

 

 

3,913

 

Regulatory fees

 

 

2,309

 

 

 

2,749

 

 

 

7,886

 

 

 

8,549

 

Other

 

 

5,603

 

 

 

8,593

 

 

 

20,828

 

 

 

24,174

 

Total noninterest expense

 

 

197,995

 

 

 

191,397

 

 

 

595,147

 

 

 

575,410

 

Income before income taxes

 

 

83,385

 

 

 

72,998

 

 

 

147,783

 

 

 

208,697

 

Income tax expense

 

 

10,293

 

 

 

10,616

 

 

 

17,601

 

 

 

31,612

 

NET INCOME

 

$

73,092

 

 

$

62,382

 

 

$

130,182

 

 

$

177,085

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

PER SHARE DATA