Company: UMBFO
Filing Date: 2025-02-27
Form Type: 10-K
Source: 0000950170-25-028420
Chunk: 272

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-27
Form: 10-K
Item: Item 7A
Chunk 272
---

    384

    Total non-performing loans

    19,282

    13,212

    Other real estate owned

    1,612

    1,738

    Other repossessed assets

    26,779

    —

    Total non-performing assets
     
    $
    47,673

    $
    14,950

    Loans past due 90 days or more
     
    $
    7,602

    $
    3,111

    Restructured loans accruing

    155

    164

    Allowance for credit losses on loans

    259,089

    219,738

    Ratios

    Non-performing loans as a % of loans

    0.08
    %

    0.06
    %

    Non-performing assets as a % of loans plus other real estate owned and other repossessed assets

    0.19

    0.06

    Non-performing assets as a % of total assets

    0.09

    0.03

    Loans past due 90 days or more as a % of loans

    0.03

    0.01

    Allowance for credit losses on loans as a % of loans

    1.01

    0.95

    Allowance for credit losses on loans as a multiple of non-performing loans
     
    13.44x

    16.63x

67

Table 25

SUMMARY OF NET CHARGE-OFFS (in thousands)

    2024

    2023

    Net Charge-Offs (Recoveries)

    Average Loans Outstanding

    Net Charge-Offs (Recoveries) to Average Loans Outstanding

    Net Charge-Offs (Recoveries)

    Average Loans Outstanding

    Net Charge-Offs (Recoveries) to Average Loans Outstanding

    At December 31:

    Commercial and industrial
     
    $
    3,551

    $
    10,169,805

    0.03
    %
     
    $
    (248
    )
     
    $
    9,669,378

    (0.00
    )%

    Specialty lending

    (4
    )

    497,301

    (0.00
    )

    761