UMB Bank, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $201,462,000 | 220 |
| Total interest expense | $87,967,000 | 244 |
| Net interest income | $113,495,000 | 205 |
| Provision for loan and lease losses | $3,230,000 | 432 |
| Total noninterest income | $142,405,000 | 130 |
| Gross Fiduciary activities income | $62,376,000 | 47 |
| Service charges on deposit accounts | $28,703,000 | 90 |
| Trading account gains and fees | $16,923,000 | 27 |
| Additional Noninterest Income | $34,403,000 | 215 |
| Total noninterest expense | $204,379,000 | 140 |
| Salaries and employee benefits | $115,399,000 | 100 |
| Premises and equipment expense | $30,771,000 | 115 |
| Additional noninterest expense | $58,209,000 | 197 |
| Pre-tax net operating income | $48,291,000 | 237 |
| Securities gains (losses) | $-10,000 | 10,190 |
| Applicable income taxes | $15,076,000 | 254 |
| Income before extraordinary items | $33,205,000 | 243 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $33,205,000 | 244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,615,000 | 406 |
| Cash dividends | $34,500,000 | 185 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $33,211,900 | 239 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $200,573,000 | 237 |
| Total interest expense | $89,290,000 | 251 |
| Net interest income | $111,283,000 | 216 |
| Provision for loan and lease losses | $3,646,000 | 384 |
| Total noninterest income | $125,895,000 | 130 |
| Gross Fiduciary activities income | $56,635,000 | 48 |
| Service charges on deposit accounts | $22,554,000 | 104 |
| Trading account gains and fees | $13,454,000 | 31 |
| Additional Noninterest Income | $33,252,000 | 202 |
| Total noninterest expense | $178,493,000 | 147 |
| Salaries and employee benefits | $99,758,000 | 104 |
| Premises and equipment expense | $27,137,000 | 119 |
| Additional noninterest expense | $51,598,000 | 204 |
| Pre-tax net operating income | $55,039,000 | 217 |
| Securities gains (losses) | $15,000 | 2,081 |
| Applicable income taxes | $17,699,000 | 239 |
| Income before extraordinary items | $37,355,000 | 218 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $37,355,000 | 218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,820,000 | 334 |
| Cash dividends | $20,250,000 | 227 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $37,344,800 | 211 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $160,489,000 | 304 |
| Total interest expense | $72,178,000 | 327 |
| Net interest income | $88,311,000 | 282 |
| Provision for loan and lease losses | $3,600,000 | 412 |
| Total noninterest income | $112,410,000 | 144 |
| Gross Fiduciary activities income | $46,831,000 | 52 |
| Service charges on deposit accounts | $15,913,000 | 147 |
| Trading account gains and fees | $9,087,000 | 39 |
| Additional Noninterest Income | $40,579,000 | 195 |
| Total noninterest expense | $140,525,000 | 196 |
| Salaries and employee benefits | $76,901,000 | 137 |
| Premises and equipment expense | $20,620,000 | 166 |
| Additional noninterest expense | $43,004,000 | 264 |
| Pre-tax net operating income | $56,596,000 | 226 |
| Securities gains (losses) | $425,000 | 449 |
| Applicable income taxes | $19,293,000 | 230 |
| Income before extraordinary items | $37,728,000 | 230 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $37,728,000 | 230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,271,000 | 523 |
| Cash dividends | $37,000,000 | 177 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $37,447,500 | 226 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $158,256,000 | 323 |
| Total interest expense | $69,595,000 | 349 |
| Net interest income | $88,661,000 | 293 |
| Provision for loan and lease losses | $1,750,000 | 629 |
| Total noninterest income | $115,908,000 | 128 |
| Gross Fiduciary activities income | $42,761,000 | 54 |
| Service charges on deposit accounts | $16,338,000 | 154 |
| Trading account gains and fees | $8,738,000 | 48 |
| Additional Noninterest Income | $48,071,000 | 161 |
| Total noninterest expense | $156,277,000 | 171 |
| Salaries and employee benefits | $74,012,000 | 140 |
| Premises and equipment expense | $19,076,000 | 176 |
| Additional noninterest expense | $63,189,000 | 206 |
| Pre-tax net operating income | $46,542,000 | 270 |
| Securities gains (losses) | $962,000 | 229 |
| Applicable income taxes | $15,804,000 | 269 |
| Income before extraordinary items | $31,700,000 | 265 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $31,700,000 | 264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,571,000 | 665 |
| Cash dividends | $30,000,000 | 188 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $31,055,460 | 265 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $144,004,000 | 311 |
| Total interest expense | $61,759,000 | 318 |
| Net interest income | $82,245,000 | 301 |
| Provision for loan and lease losses | $500,000 | 1,533 |
| Total noninterest income | $113,521,000 | 120 |
| Gross Fiduciary activities income | $44,010,000 | 53 |
| Service charges on deposit accounts | $16,287,000 | 154 |
| Trading account gains and fees | $8,903,000 | 38 |
| Additional Noninterest Income | $44,321,000 | 164 |
| Total noninterest expense | $150,295,000 | 179 |
| Salaries and employee benefits | $73,078,000 | 141 |
| Premises and equipment expense | $18,451,000 | 180 |
| Additional noninterest expense | $58,766,000 | 206 |
| Pre-tax net operating income | $44,971,000 | 264 |
| Securities gains (losses) | $1,337,000 | 134 |
| Applicable income taxes | $14,771,000 | 262 |
| Income before extraordinary items | $31,537,000 | 254 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $31,537,000 | 252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,714,000 | 444 |
| Cash dividends | $24,000,000 | 193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $30,627,840 | 263 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $129,714,000 | 325 |
| Total interest expense | $50,681,000 | 354 |
| Net interest income | $79,033,000 | 304 |
| Provision for loan and lease losses | $430,000 | 2,334 |
| Total noninterest income | $110,230,000 | 116 |
| Gross Fiduciary activities income | $43,008,000 | 49 |
| Service charges on deposit accounts | $15,446,000 | 158 |
| Trading account gains and fees | $12,152,000 | 40 |
| Additional Noninterest Income | $39,624,000 | 164 |
| Total noninterest expense | $139,980,000 | 186 |
| Salaries and employee benefits | $65,606,000 | 146 |
| Premises and equipment expense | $19,044,000 | 169 |
| Additional noninterest expense | $55,330,000 | 216 |
| Pre-tax net operating income | $48,853,000 | 213 |
| Securities gains (losses) | $1,001,000 | 546 |
| Applicable income taxes | $17,204,000 | 205 |
| Income before extraordinary items | $32,650,000 | 225 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $32,650,000 | 234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $795,000 | 1,326 |
| Cash dividends | $35,000,000 | 118 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $31,999,350 | 216 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $132,065,000 | 359 |
| Total interest expense | $61,516,000 | 364 |
| Net interest income | $70,549,000 | 334 |
| Provision for loan and lease losses | $879,000 | 2,019 |
| Total noninterest income | $100,950,000 | 120 |
| Gross Fiduciary activities income | $41,305,000 | 50 |
| Service charges on deposit accounts | $13,219,000 | 165 |
| Trading account gains and fees | $11,366,000 | 37 |
| Additional Noninterest Income | $35,060,000 | 171 |
| Total noninterest expense | $130,249,000 | 193 |
| Salaries and employee benefits | $61,778,000 | 145 |
| Premises and equipment expense | $17,004,000 | 187 |
| Additional noninterest expense | $51,467,000 | 240 |
| Pre-tax net operating income | $40,371,000 | 195 |
| Securities gains (losses) | $2,809,000 | 325 |
| Applicable income taxes | $13,356,000 | 209 |
| Income before extraordinary items | $29,824,000 | 197 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $29,824,000 | 201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,129,000 | 923 |
| Cash dividends | $20,000,000 | 130 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $27,885,790 | 187 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.