UMB Bank, National Association in Kansas City, Missouri (MO), KS, IL, OK, NE

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UMB Bank, National Association
GeneralFDIC Certificate #: 8273
Status: Active
Federal Reserve ID: 936855
Bank Holding Company (Regulatory Top Holder): Umb Financial Corporation (RSSDID: 1049828, Location: Kansas City, MO)
Date Established: August 28, 1902
WWW: http://www.umb.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 107 (Domestic: 107, Interstate: Yes)
FDIC's unique #: 5277
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization > 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 08, 2007
Last Structure Change Process Date: December 13, 2007
Last Data Update: December 13, 2007
Data Source Date: April 05, 2012
LocationAddress: 1010 Grand Boulevard, Kansas City, MO 64106
County: Jackson
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Kansas City, MO-KS (#3760)
Combined Statistical Area (CSA): Kansas City-Overland Park-Kansas City, MO-KS (#312)
Core Based Statistical Area (CBSA): Kansas City, MO-KS (#28140)
CBSA Metro Statistical Area: Kansas City, MO-KS (#28140)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $11,205.9 mil
Equity capital: $762.8 mil
Deposits held in domestic offices: $8,538.8 mil
Return on assets (ROA): 0.71% ($79.6 mil)
Quarterly return on assets: 0.63% ($70.6 mil)
Return on Equity (ROE): 10.52% ($80.3 mil)
Quarterly return on equity: 8.74% ($66.7 mil)
Net income: $76.2 mil
Quarterly Net income: $16.6 mil
Pretax return on assets: 0.93% ($104,215.1 mil)
Quarterly Pretax return on assets: 0.76% ($85,165.1 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)2,442
Total assets$11,205,930
Cash and due from depository institutions$1,583,930
Interest-bearing balances$1,150,796
Securities$4,998,586
Federal funds sold & reverse repurchase agreements$272,078
Net loans & leases$3,938,131
Loan loss allowance $61,344
Trading account assets$38,865
Bank premises and fixed assets$167,602
Other real estate owned$5,767
Goodwill and other intangibles$53,718
All other assets$147,253
Life insurance assets$11,205,930
Total liabilities and capital$10,443,107
Total liabilities$8,538,823
Total deposits$5,163,399
Interest-bearing deposits$8,538,823
Deposits held in domestic offices$84
% insured (estimated)1775899.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,529
Other borrowed funds $0
Subordinated debt $121,856
All other liabilities $762,823
Total equity capital$762,823
Total bank equity capital$762,823
Perpetual preferred stock$0
Common stock$20,254
Surplus$183,124
Undivided profits $559,445
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $10,215
Income earned, not collected on loans $22,955
Earning assets $1,693
Long-term assets (5+ years) $40,033
Average Assets, year-to-date $10,398,456
Average Assets, quarterly $1,704,200
Volatile liabilities $10,762,260
Insider loans $10,537,645
FHLB advances $6,029,706
Loans and leases held for sale $10,192,321
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $643,972
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,883,620
Derivatives$639,056
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $278,184
Total interest expense $21,719
Net interest income $256,465
Provision for loan and lease losses $20,190
Total noninterest income $234,900
Fiduciary activities $58,605
Service charges on deposit accounts $69,484
Trading account gains & fees $24,656
Additional noninterest income $82,155
Total noninterest expense $384,937
Salaries and employee benefits $183,060
Premises and equipment expense $41,430
Additional noninterest expense $160,447
Pre-tax net operating income $86,238
Securities gains (losses) $13,872
Applicable income taxes $23,929
Income before extraordinary items $76,181
Extraordinary gains - net $0
Net income attributable to bank $76,181
Net charge-offs $0
Cash dividends $76,181
Sale, conversion, retirement of capital stock, net $22,487
Net operating income $32,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets2.80%
Cost of funding earning assets 0.22%
Net interest margin 2.58%
Noninterest income to earning assets 2.36%
Noninterest expense to earning assets 3.87%
Net operating income to assets 0.61%
Return on assets (ROA) 0.71%
Pretax return on assets 0.93%
Return on equity (ROE) 10.52%
Retained earnings to average equity (YTD only) 6.10%
Net charge-offs to loans 0.58%
Credit loss provision to net charge-offs 89.79%
Efficiency ratio4.73%
Assets per employee$77,512
Cash dividends to net income (YTD only)4.59%
Condition Ratios (%)
Loss allowance to loans 42.01%
Loss allowance to noncurrent loans 1.53%
Noncurrent assets plus other real estate owned to assets 267.24%
Noncurrent loans to loans 0.26%
Net loans and leases to deposits0.57%
Net loans and leases to core deposits 46.12%
Equity capital to assets 49.10%
Core capital (leverage) ratio 6.81%
Tier 1 risk-based capital ratio 6.32%
Total risk-based capital ratio 10.68%
Memoranda
Average assets$12
Average earning assets$10,762,260
Average equity $724,473
Average loans $9,943,799
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$32,396,501
Number of Accounts1
Personal trust and agency accounts$5,292,566
Employee benefit-defined contribution accounts$2,419,665
Employee benefit-defined benefit accounts$0
Other retirement accounts$88,133
Corporate trust and agency accounts$401,903
Investment management agency accounts$27,319
Other fiduciary accounts$1,729,469
Fiduciary accounts held in foreign offices$626,077
Non-managed Assets$0
Number of Accounts9240
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$351,904
Employee benefit-defined benefit accounts$1,344,943
Other retirement accounts$27,103,935
Corporate trust and agency accounts$789,417
Other fiduciary accounts$47,685
Fiduciary accounts held in foreign offices$15,053,612
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6 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
1122446Maryville Branch2921 Maryville Road, Maryville, IL 62062Febuary 12, 1902Full Service Brick and Mortar
113201909Lakeside Plaza Motor Facility515 Belt Line Road, Collinsville, IL 62234December 27, 1978Full Service Brick and Mortar
115251640Swansea Banking Center Branch2601 North Illinois, Swansea, IL 62226May 01, 1989Full Service Brick and Mortar
11640551Midwest Branch101 North High Street, Belleville, IL 62220January 01, 1922Full Service Brick and Mortar
118263062O' Fallon Branch907 East Highway 50, O Fallon, IL 62269January 01, 1922Full Service Retail
1198630Collinsville Branch201 East Main Street, Collinsville, IL 62234January 01, 1906Full Service Brick and Mortar
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23 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
33217933Roe11101 W 87th Street, Overland Park, KS 66214May 27, 1975Full Service Brick and Mortar
34217934West 87th11050 Roe Avenue, Overland Park, KS 66211September 27, 1979Full Service Brick and Mortar
3612383Fourth And National Branch324 South National, Fort Scott, KS 66701March 10, 1962Full Service Brick and Mortar
3714216North Plaza Branch2014 North Topeka Blvd, Topeka, KS 66608January 04, 1972Full Service Brick and Mortar
3813156Highland Park Branch2100 Southeast 29th Street, Topeka, KS 66605January 04, 1965Full Service Brick and Mortar
40247994Detached Facility5923 Southwest 29th Street, Topeka, KS 66614October 01, 1986Full Service Brick and Mortar
413127601 Minnesota Avenue Branch601 Minnesota Avenue, Kansas City, KS 66101May 01, 1897Full Service Brick and Mortar
42204013North 8th Street Branch8300 Parallel Parkway, Kansas City, KS 66112August 03, 1970Full Service Brick and Mortar
44258031119th Street Banking Center Branch7128 West 119th Street, Overland Park, KS 66213Febuary 04, 1991Full Service Brick and Mortar
46203934Motor Bank Branch320 Commercial Street, Atchison, KS 66002October 29, 1962Limited Service Facility
48217937Lawrence Branch1441 Wakarusa Drive, Lawrence, KS 66049March 04, 1996Full Service Brick and Mortar
49217938Overland Park Branch7109 West 80th Street, Overland Park, KS 66204April 26, 1997Full Service Brick and Mortar
51229723Great Mall Of The Gr. Plains Branch20652 West 151st Street, Olathe, KS 66061August 11, 1997Full Service Brick and Mortar
54229726Wichita Branch130 North Market Street, Wichita, KS 67202October 01, 1997Full Service Brick and Mortar
56229728Merriam Hen House Bkg. Center Branch5800 Antioch, Merriam, KS 66202June 29, 1998Full Service Retail
142218238Black Bob Banking Branch13600 Blackbob, Olathe, KS 66062November 06, 1999Full Service Retail
151334409Rock Road Banking Branch444 N. Rock Road, Wichita, KS 67206December 14, 1999Full Service Brick and Mortar
169440715Deer Creek Banking Center Branch6960 W. 135th, Overland Park, KS 66223May 09, 2005Full Service Brick and Mortar
170446062West Street Banking Center2333 South West Street, Wichita, KS 67213August 22, 2005Full Service Brick and Mortar
175454699Shawnee Branch22320 W 66th Street, Shawnee, KS 66226Febuary 27, 2006Full Service Brick and Mortar
185495799119th Street & Ridgeview Road BankinSoutheast Corner Of Intersection 119th St & Ridgeview Rd, Olathe, KS 66061September 28, 2009Full Service Brick and Mortar
186495997Olathe Branch18261 W 119th Street, Olathe, KS 66061September 28, 2009Full Service Brick and Mortar
189526497Village Branch6900 Mission Road, Prairie Village, KS 66208October 22, 2011Full Service Brick and Mortar
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69 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05277Umb Bank, National Association1010 Grand Boulevard, Kansas City, MO 64106August 28, 1902Full Service Brick and Mortar
1218219Peculiar Banking Center Branch200 State Rt C. Highway, Peculiar, MO 64078August 28, 1999Full Service Brick and Mortar
4229711Carondelet Drive Branch1310 Carondelet Drive, Kansas City, MO 64114August 01, 1977Full Service Brick and Mortar
5229712Plaza Branch4900 Main, Kansas City, MO 64112June 30, 1986Full Service Brick and Mortar
6264377East 39th Street Branch13813 East 39th Street, Independence, MO 64055January 01, 1918Full Service Brick and Mortar
741761Raytown Branch6252 Raytown Road, Raytown, MO 64133May 01, 1934Full Service Brick and Mortar
8229713North Antioch Branch6211 North Chestnut, Gladstone, MO 64119January 15, 1991Full Service Brick and Mortar
10238525Drive-In Branch1800 Grand Avenue, Kansas City, MO 64108April 13, 1962Full Service Brick and Mortar
1114891Blue Springs Branch3500 South Outer Road, Blue Springs, MO 64015April 29, 1974Full Service Brick and Mortar
122530077 Highway Branch301 Nw State Route 7, Blue Springs, MO 64015November 21, 1977Full Service Brick and Mortar
135285Blue Valley Branch6400 Independence Avenue, Kansas City, MO 64125July 19, 1909Full Service Brick and Mortar
14218246Drive-In Facility4001 Blue Ridge Cutoff, Kansas City, MO 64133January 28, 1974Full Service Brick and Mortar
161069Hickman Mills Branch12210 S 71 Highway, Grandview, MO 64030January 01, 1921Full Service Brick and Mortar
17189917Drive-In Facility10321 Blue Ridge Boulevard, Kansas City, MO 64134December 28, 1973Full Service Brick and Mortar
2232973Liberty Branch1 Victory Drive, Liberty, MO 64068September 09, 1985Full Service Brick and Mortar
239610Prarie View Branch8300 N.W. Prairie View Road, Kansas City, MO 64151January 01, 1889Full Service Brick and Mortar
25229714Lee's Summit Branch401 N.E. Rice Road, Lees Summit, MO 64086January 01, 1992Full Service Brick and Mortar
26229715Columbia Branch1516 Chapel Hill, Columbia, MO 65203January 01, 1993Full Service Brick and Mortar
29229718Excelsior Springs Price Shop. Branch1645 Kearney Road, Excelsior Springs, MO 64024November 01, 1995Full Service Retail
5022972240 Highway At 291 Drive Up Branch18909 East 48th Street, Independence, MO 64055June 30, 1997Full Service Brick and Mortar
52229724Marsh Sunfresh Westport4001 Mill Street, Kansas City, MO 64111April 21, 1997Full Service Retail
55229727Gudgell Branch16900 Gudgell Road, Independence, MO 64057November 03, 1997Full Service Brick and Mortar
58227223St. Joseph - Mitchell3601 Mitchell, Saint Joseph, MO 64507April 09, 1973Full Service Brick and Mortar
65948West Main Street Branch501 West Main Street, Savannah, MO 64485September 02, 1931Full Service Brick and Mortar
66218220Brookfield Branch117 West Brooks Street, Brookfield, MO 64628August 28, 1999Full Service Brick and Mortar
71218225South Garrison Avenue Branch1946 South Garrison Avenue, Carthage, MO 64836August 28, 1999Full Service Brick and Mortar
722182261150 East Battlefield Road Branch1150 East Battlefield Road, Springfield, MO 65807August 28, 1999Full Service Brick and Mortar
75218229Fourth And Range Line Road Branch329 Range Line Road, Joplin, MO 64801August 28, 1999Full Service Brick and Mortar
76218230Joplin Facility2106 Maiden Lane, Joplin, MO 64804August 28, 1999Full Service Brick and Mortar
77218231500 Broadway Branch500 Broadway, Monett, MO 65708August 28, 1999Full Service Brick and Mortar
893013North Market Street Branch101 South Market Street, Milan, MO 63556January 01, 1884Full Service Brick and Mortar
903033Carthage Branch300 Grant Street, Carthage, MO 64836July 14, 1890Full Service Brick and Mortar
93251731North Glenstone Facility2300 North Glenstone Avenue, Springfield, MO 65803August 19, 1985Full Service Brick and Mortar
94129252300 East 7th Street Branch2300 East 7th Street, Joplin, MO 64801April 13, 1964Full Service Brick and Mortar
98203883South Kyler Street Branch300 South Kyler, Monett, MO 65708May 15, 1995Full Service Retail
105227221Drive-In Branch924 Main Street, Boonville, MO 65233April 17, 1972Limited Service Facility
10614988Jefferson City Branch300 Dix Road, Jefferson City, MO 65109July 01, 1974Full Service Brick and Mortar
1073030Warrensburg Branch101 North Holden Street, Warrensburg, MO 64093November 28, 1890Full Service Brick and Mortar
108203876Whiteman Air Force Base Branch760 Arnold Avenue, Building 550, Whiteman Air Force Base, MO 65305March 07, 1955Limited Service Military Facility
109203877North Maguire Street Branch414 North Maguire Street, Warrensburg, MO 64093June 19, 1972Full Service Brick and Mortar
1108908Windsor Branch111 West Benton Street, Windsor, MO 65360January 01, 1883Full Service Brick and Mortar
11114335St. Louis Branch2 South Broadway, St. Louis, MO 63102August 01, 1972Full Service Brick and Mortar
120230280Central City Branch10751 Old Hall's Ferry Road, Ferguson, MO 63135December 26, 1973Full Service Brick and Mortar
121230281Dorsett Road Branch12050 Dorsett Road, Maryland Heights, MO 63043April 04, 1983Full Service Brick and Mortar
1228848Ferguson Facility1 Church Street, Ferguson, MO 63135June 09, 1920Full Service Brick and Mortar
123230282Town And Country Facility1041 South Woods Mill Road, Town And Country, MO 63017March 03, 1986Full Service Brick and Mortar
127230283Kirkwood Facility426 North Kirkwood Road, Kirkwood, MO 63122April 15, 1986Full Service Brick and Mortar
128230284St. Charles Branch1201 Regency Parkway, St. Charles, MO 63303October 05, 1987Full Service Brick and Mortar
129251641Ballwin Branch15400 Clayton Road, Ballwin, MO 63011Febuary 20, 1996Full Service Brick and Mortar
133251646Lindbergh Shop 'n Save Branch5780 South Lindbergh Boulevard, Saint Louis, MO 63123January 27, 1997Full Service Retail
135251648Brentwood Banking Center Branch9 Brentwood Promenade Court, Brentwood, MO 63144March 02, 1998Full Service Brick and Mortar
139942Monroe City Branch201 North Main Street, Monroe City, MO 63456January 01, 1875Full Service Brick and Mortar
1406802Paris Branch301 North Main, Paris, MO 65275June 15, 1885Full Service Brick and Mortar
159362023Hyw K Shop'n Save Branch3740 Monticello Plaza, Saint Charles, MO 63304December 06, 2000Full Service Brick and Mortar
162364844North Oak-Price Chopper Branch4820 North Oak Trafficway, Kansas City, MO 64118October 19, 2001Full Service Retail
163430185Winghaven Branch9957 Winghaven Blvd, O Fallon, MO 63368April 08, 2004Full Service Brick and Mortar
164430186O'fallon Drive Through Branch3824 Monticello Plaza, Saint Charles, MO 63304April 08, 2004Limited Service Facility
1712725528442 Wornall Branch8442 Wornall, Kansas City, MO 64114July 01, 1934Full Service Brick and Mortar
172448804Mid Rivers Banking Center6059 Mid Rivers Mall Drive, Cottleville, MO 63304January 23, 2006Full Service Brick and Mortar
173453441Manchester Meadows Branch13969 Manchester Road, Ballwin, MO 63011December 15, 2005Full Service Brick and Mortar
177469600Raymore Banking Center Branch315 North Dean Avenue, Raymore, MO 64083November 05, 2007Full Service Brick and Mortar
1788799Umb Bank, Warsaw, National Association Branch201 East Main Street, Warsaw, MO 65355March 02, 1934Full Service Brick and Mortar
179230903Warsaw Branch707 Gunstock Drive, Warsaw, MO 65355December 07, 1981Full Service Brick and Mortar
180230905Clinton Branch220 South Second Street, Clinton, MO 64735October 13, 1998Full Service Brick and Mortar
181476023Belt Highway Banking Center1211 N. Belt Highway, Saint Joseph, MO 64506April 07, 2008Full Service Brick and Mortar
182491164Springfield Trust Wealth Management3828 South Freement, Springfield, MO 65804April 27, 2009Full Service Brick and Mortar
183491165Arnold Commons Branch827 Arnold Commons Drive, Arnold, MO 63010May 11, 2009Full Service Brick and Mortar
187518286Centene Plaza Branch7700 Forsyth Suite 120, Saint Louis, MO 63105December 08, 2010Full Service Brick and Mortar
188522085Ivanhoe Community Center3700 Woodland Avenue, Kansas City, MO 64109August 03, 2011Full Service Brick and Mortar
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3 Nebraska Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
16657661Umb Bank Omaha Branch11808 West Center Road, Omaha, NE 68144March 03, 1997Full Service Brick and Mortar
174453442Millard Branch13790 Millard Plaza, Omaha, NE 68137April 27, 2006Full Service Brick and Mortar
184493351Village Pointe Branch16929 Burke Street, Omaha, NE 68118August 28, 2008Full Service Brick and Mortar
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6 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
14536305South Agnew Branch1217 South Agnew Street, Oklahoma City, OK 73108March 17, 1987Full Service Brick and Mortar
14632070North Branch6500 North Broadway Extension, Oklahoma City, OK 73108December 17, 1984Full Service Brick and Mortar
14732719Downtown Branch204 North Robinson Avenue, Oklahoma City, OK 73108June 21, 1985Full Service Brick and Mortar
149260478Oklahoma City Branch520 North Broadway, Oklahoma City, OK 73102March 11, 1999Limited Service Facility
15016998Penn Square Branch2079 Penn Sq, Oklahoma City, OK 73118April 25, 1983Full Service Brick and Mortar
160364201South Boulder Branch1437 South Boulder, Tulsa, OK 74119June 26, 2002Full Service Brick and Mortar
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