Company: UMBFO
Filing Date: 2025-02-27
Form Type: 10-K
Source: 0000950170-25-028420
Chunk: 114

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-27
Form: 10-K
Item: Item 1B
Chunk 114
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ated Financial Statements under Item 8 for detailed information and further discussion of these arrangements.  Management does not anticipate any material losses from its off-balance sheet arrangements. 

Table 20

COMMITMENTS, MATERIAL CASH REQUIREMENTS AND OFF-BALANCE SHEET ARRANGEMENTS (in thousands)

The table below details the commitments, material cash requirements, and off-balance sheet arrangements for the Company as of December 31, 2024 and includes principal payments only.  The Company has no capital leases or long-term purchase obligations.

    Payments due by Period

    Total

    Less than 1 year

    1-3 years

    3-5 years

    More than 5 years

    Material Cash Requirements

    Federal funds purchased and repurchase agreements
     
    $
    2,609,715

    $
    2,609,715

    $
    —

    $
    —

    $
    —

    Long-term debt obligations

    413,096

    —

    —

    —

    413,096

    Operating lease obligations

    65,796

    11,994

    21,622

    17,473

    14,707

    Time deposits

    2,127,667

    2,053,301

    62,917

    9,016

    2,433

    Total
     
    $
    5,216,274

    $
    4,675,010

    $
    84,539

    $
    26,489

    $
    430,236

60

    Maturities due by Period

    Total

    Less than 1 year

    1-3 years

    3-5 years

    More than 5 years

    Commitments, Contingencies and Guarantees

    Commitments to extend credit for loans (excluding credit card loans)
     
    $
    12,904,749

    $
    5,410,009

    $
    4,978,117

    $
    1,771,855

    $
    744,768

    Commitments to extend credit under credit card loans

    5,474,758

    5,474,758

    —

    —

    —

    Commercial letters of credit

    311

    311

    —

    —

    —