Company: UMBFO
Filing Date: 2025-02-27
Form Type: 10-K
Source: 0000950170-25-028420
Chunk: 79

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-27
Form: 10-K
Item: Item 1B
Chunk 79
---
.01

    Total interest-bearing deposits

    25,224.2

    982.3

    3.89

    21,122.3

    704.2

    3.33

    Short-term debt

    1,063.4

    53.4

    5.02

    1,929.0

    96.4

    5.00

    Long-term debt

    384.2

    27.8

    7.24

    382.3

    25.0

    6.54

    Federal funds purchased

    80.1

    4.1

    5.05

    170.0

    8.4

    4.97

    Securities sold under agreements to repurchase

    2,258.4

    102.5

    4.54

    2,005.4

    84.6

    4.22

    Total interest-bearing liabilities

    29,010.3

    1,170.1

    4.03

    25,609.0

    918.6

    3.59

    Noninterest-bearing demand deposits

    10,077.2

    10,640.4

    Other

    769.5

    618.2

    Total

    39,857.0

    36,867.6

    Total shareholders' equity

    3,332.8

    2,862.7

    Total liabilities and shareholders' equity
     
    $
    43,189.8

    $
    39,730.3

    Net interest income (FTE)

    $
    1,026.8

    $
    946.5

    Net interest spread (FTE)

    1.34
    %

    1.37
    %

    Net interest margin (FTE)

    2.51
    %

    2.52
    %

(1)Interest income and yields are stated on an FTE basis, using a federal income tax rate of 21% for 2024, 2023, and 2022.  The tax-equivalent interest income and yields give effect to tax-exempt interest income