Company: UMBFO
Filing Date: 2025-02-27
Form Type: 10-K
Source: 0000950170-25-028420
Chunk: 120

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-27
Form: 10-K
Item: Item 1B
Chunk 120
---
 —

    1,376,099

    Consumer

    107,335

    39

    —

    —

    107,374

    Credit cards

    578,716

    50

    —

    —

    578,766

    Leases and other

    155,425

    258

    —

    —

    155,683

    Total variable rate loans

    16,147,854

    698,111

    267,740

    —

    17,113,705

    Fixed Rate

    Commercial and industrial

    634,199

    1,884,237

    195,999

    —

    2,714,435

    Specialty lending

    —

    —

    —

    —

    —

    Commercial real estate

    697,756

    2,362,633

    829,143

    2,231

    3,891,763

    Consumer real estate

    290,643

    669,756

    636,992

    216,396

    1,813,787

    Consumer

    47,724

    37,799

    866

    97

    86,486

    Credit cards

    —

    —

    —

    —

    —

    Leases and other

    —

    23,712

    1,169

    —

    24,881

    Total fixed rate loans

    1,670,322

    4,978,137

    1,664,169

    218,724

    8,531,352

    Total loans and loans held for sale
     
    $
    17,818,176

    $
    5,676,248

    $
    1,931,909

    $
    218,724

    $
    25,645,057

Trading Account

The Bank carries taxable governmental securities in a trading account that is maintained in accordance with Board-approved policy and procedures.  The policy limits the amount and type of securities that can be carried in the trading account and requires compliance with any limits under applicable law and regulations and mandates the use of a value-at-risk methodology to manage price volatility risks within financial parameters.  The risk associated with the carrying of trading securities is offset by the sale of exchange-tr