UMB FINANCIAL CORP UMBF Cash Flow

Umb financial corp (UMBF)

CashFlow / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Dec'10	Sep'10	Jun'10	Mar'10	Dec'09	Sep'09	Jun'09	Mar'09
OPERATING ACTIVITIES
Net (loss) income
182,417	243,600	202,539	198,006	196,471	195,513	282,020	272,313	259,710	247,105	178,078	171,882	166,579	158,801	145,510	126,015	118,711	116,073	113,370	126,549	131,007	120,655	128,378	127,180	122,437	133,965	120,362	112,055	111,291	122,717	124,923	124,813	121,969	106,472	102,238	98,995	95,687	91,002	95,828	97,054	93,068	89,484	0	0	0
Adjustments to reconcile net (loss) income to net cash provided by operating activities:
Provision for credit losses
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for loan losses
-	-	-	-	-	70,750	28,750	34,500	42,000	41,000	42,500	44,000	36,500	32,500	30,000	19,500	17,500	15,500	13,500	15,500	15,500	17,000	18,000	20,000	20,000	17,500	17,500	15,500	15,000	17,500	18,500	18,500	19,600	22,200	24,600	27,800	30,300	31,510	35,610	36,210	34,410	32,100	0	0	0
Net (accretion) amortization of premiums and discounts from acquisition
195	-215	70	-59	253	398	289	399	1,078	1,906	2,402	3,059	3,745	2,303	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation and amortization
58,235	56,258	54,723	53,888	53,359	53,116	53,118	52,884	53,871	54,875	55,145	55,686	55,226	54,556	55,202	56,129	54,664	52,751	50,438	47,728	46,803	46,355	45,638	44,871	44,596	44,221	43,269	42,346	41,606	40,847	40,787	41,035	41,936	42,931	43,250	43,098	41,411	39,376	39,010	38,069	37,716	38,107	0	0	0
Deferred income tax (benefit) expense
-11,582	-153	3,605	13,878	-12,206	-20,261	35,648	26,772	52,300	59,738	3,400	-1,646	3,851	2,756	2,339	394	-4,742	-4,848	-11,823	-9,672	-10,157	-11,456	-5,740	-6,681	-5,354	-5,123	-3,026	-4	2,406	3,675	4,952	3,137	-1,165	-197	-7,617	-9,722	-10,493	-13,226	-8,227	-8,085	-6,521	-5,966	0	0	0
Net (increase) decrease in trading securities and other earning assets
6,212	-16,084	5,731	17,926	-8,246	9,889	22,708	6,338	-10,845	10,805	-535	4,338	50,917	12,420	30,882	9,587	-14,812	-10,258	-19,578	6,148	-13,072	2,714	4,305	3,528	-7,955	-8,252	15,075	-8,848	3,892	-2,378	-31,158	13,564	14,636	15,662	30,557	-4,499	19,202	4,266	-5,967	9,756	-1,652	-266	0	0	0
Gains on sales of securities available for sale, net
3,636	3,218	2,463	-383	1,248	578	632	2,811	3,863	4,192	4,138	4,726	6,044	8,509	10,507	7,630	5,999	10,402	8,466	8,391	9,993	4,127	4,055	5,169	4,119	8,542	8,762	7,881	9,584	20,232	20,256	22,408	25,210	16,125	16,936	15,277	10,389	8,315	11,809	14,364	15,077	9,737	0	0	0
Gains on sales of assets
2,060	374	2,811	3,545	3,099	2,721	103,019	103,153	102,184	103,346	1,110	23	1,514	762	135	823	447	98	185	-205	2,403	3,034	3,705	3,657	2,284	1,431	1,075	1,257	-250	904	389	479	675	-175	202	290	461	368	-371	-397	-549	-458	0	0	0
Amortization of securities premiums, net of discount accretion
-34,896	-34,960	-35,537	-38,447	-40,992	-43,773	-45,436	-46,609	-47,660	-48,101	-47,571	-49,526	-51,995	-54,467	-59,797	-59,916	-58,307	-57,301	-53,914	-52,118	-51,813	-51,542	-51,508	-52,093	-53,091	-53,248	-53,497	-52,613	-51,239	-50,435	-50,094	-49,153	-47,408	-44,909	-41,441	-38,126	-34,919	-32,088	-30,182	-29,437	-29,048	-25,712	0	0	0
Originations of loans held for sale
274,307	216,334	141,330	89,042	66,323	59,687	52,792	57,856	66,865	65,163	73,919	82,102	88,911	92,438	89,119	80,047	85,083	96,324	99,102	98,678	85,639	71,598	67,910	73,427	90,420	118,418	160,439	207,672	225,983	237,997	237,467	217,647	199,856	204,099	232,483	231,779	247,188	217,965	177,509	177,393	208,090	248,670	0	0	0
Gains on sales of loans held for sale, net
1,513	1,370	1,137	1,069	1,090	1,183	1,339	1,366	1,532	1,561	1,681	1,648	1,874	1,774	1,481	1,375	1,188	1,331	1,454	1,469	1,290	1,137	1,092	947	865	887	1,093	1,526	1,917	2,010	1,985	1,466	1,422	1,598	1,870	2,184	1,689	1,379	966	943	1,368	1,587	0	0	0
Proceeds from sales of loans held for sale
267,509	213,100	133,700	90,800	70,694	59,100	56,351	59,110	65,702	70,500	82,955	90,802	93,681	89,522	79,733	73,746	84,582	97,690	101,261	100,484	84,896	73,468	70,317	77,911	96,482	121,825	172,398	213,532	231,757	246,345	237,115	214,667	197,562	209,896	234,047	237,821	260,137	222,453	186,629	205,957	226,551	254,620	0	0	0
Issuance of equity awards
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	244	245	246	240	240	239	240	125	125	125	124	132	0	0	0
Equity-based compensation
14,367	14,850	13,644	12,989	12,202	11,074	12,233	12,296	12,749	13,316	13,100	13,020	12,591	11,735	9,944	9,942	10,158	10,751	11,436	10,697	10,049	9,661	9,332	9,493	9,154	8,386	8,505	7,693	7,363	7,162	6,971	6,813	6,669	6,510	6,519	6,333	6,096	5,953	5,763	5,624	5,521	5,313	0	0	0
Net tax benefit related to equity compensation plans
-539	-766	-766	-868	-1,190	-2,364	-2,704	-2,571	-3,542	-3,612	-4,483	-3,923	-2,890	-1,073	49	-1,858	-1,495	-944	-4,119	-2,418	-2,363	-1,880	1,768	1,923	1,960	1,224	989	698	607	359	316	146	36	79	93	102	231	152	159	169	181	191	0	0	0
Changes in:
Accrued income
-5,128	14,340	15,012	24,263	19,375	11,305	10,319	10,394	9,980	9,201	10,060	6,472	7,033	8,918	5,153	7,671	6,164	7,075	6,845	7,419	4,699	1,081	5,233	1,988	4,874	8,467	1,931	421	-3,433	-6,248	-5,090	-6,733	193	-656	11,199	16,319	12,235	11,704	-814	734	-268	436	0	0	0
Accrued expenses and taxes
87,362	76,846	72,541	73,307	34,645	-13,747	-81,733	-73,165	-72,537	-40,806	30,334	14,694	24,429	14,112	140	-3,403	-19,186	-4,503	19,026	36,209	43,288	40,345	54,156	34,614	44,491	61,092	31,413	35,851	15,702	8,376	4,873	1,277	-4,979	16,990	20,840	1,818	2,293	246	-7,818	7,716	6,583	3,996	0	0	0
Other assets and liabilities, net
154,863	112,308	163,794	91,655	63,660	18,862	-62,810	-54,448	-39,094	-25,216	-6,172	6,316	3,516	-4,042	33,939	43,984	16,196	22,055	18,514	-7,223	-1,785	20,100	1,582	12,461	47,932	10,423	15,500	19,328	-10,063	20,796	7,390	21,386	35,709	255	-1,664	-22,742	-36,272	-14,464	35,490	40,880	48,788	37,102	0	0	0
Net cash provided by operating activities
304,578	341,425	263,521	332,247	323,683	297,097	306,322	306,094	329,477	326,526	370,963	333,203	285,396	296,440	208,217	188,654	217,308	211,905	237,491	260,816	285,912	245,659	283,707	263,854	241,909	295,198	239,799	250,555	248,938	223,744	257,220	189,423	151,545	213,043	173,975	205,900	205,698	179,994	158,480	168,434	155,646	146,690	0	0	0
INVESTING ACTIVITIES
Proceeds from maturities of securities held to maturity
204,747	208,009	151,958	106,434	116,016	114,550	105,186	121,036	92,216	87,595	82,861	58,812	56,549	48,539	58,122	55,651	52,735	59,775	39,876	44,172	36,482	25,270	23,628	31,662	30,537	34,033	30,638	15,958	15,589	9,756	7,988	7,663	9,421	8,814	8,463	8,658	8,504	9,574	11,263	11,569	9,319	7,922	0	0	0
Proceeds from sales of securities available for sale
443,100	412,000	331,400	198,900	107,527	95,500	100,938	347,976	533,704	578,500	573,063	624,348	755,302	951,264	1,114,519	839,547	761,654	946,045	786,164	709,389	802,794	413,955	417,089	485,360	428,702	685,031	702,809	651,023	574,383	1,016,129	1,012,896	1,102,374	1,160,994	1,012,068	1,124,841	1,116,411	915,795	649,083	624,692	570,854	558,875	198,953	0	0	0
Proceeds from maturities of securities available for sale
1,301,641	1,255,025	981,296	953,097	956,218	1,017,230	1,018,753	1,057,086	1,121,601	1,198,834	1,497,570	1,753,993	1,806,363	1,792,357	1,575,533	1,333,978	1,252,716	1,200,178	1,211,921	1,175,199	1,144,090	1,321,135	1,336,968	1,390,098	1,497,148	1,495,867	1,711,494	1,762,909	1,764,677	1,691,293	1,512,717	1,459,616	1,448,585	1,561,960	1,566,112	1,695,305	1,925,319	1,994,810	2,189,453	2,228,376	2,571,318	3,141,929	0	0	0
Purchases of securities held to maturity
215,517	198,748	81,191	37,757	28,295	33,158	31,546	49,714	135,373	236,832	352,607	460,078	462,227	500,682	483,097	491,027	513,389	451,350	392,508	258,830	177,339	109,308	99,690	128,693	129,464	135,598	114,619	84,528	52,700	39,642	21,993	34,844	38,360	34,788	37,543	21,058	20,619	16,193	23,549	21,225	18,315	18,105	0	0	0
Purchases of securities available for sale
2,189,610	2,346,999	2,446,003	2,082,773	1,725,175	1,486,578	1,237,758	1,367,501	1,375,270	1,585,395	1,964,672	1,998,157	2,394,419	2,546,028	2,319,822	1,966,825	1,858,004	1,923,747	1,741,798	2,018,485	2,083,477	1,859,692	1,754,533	1,605,406	1,977,030	2,238,238	2,927,551	3,240,601	3,025,249	3,561,042	3,242,213	3,352,906	3,163,301	3,008,900	3,397,540	3,427,637	3,743,042	3,421,255	3,461,577	3,903,196	3,850,851	3,421,837	0	0	0
Payment on low-income housing tax credit investment commitments
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in loans
1,426,110	1,284,818	1,153,678	1,343,830	1,165,849	970,399	998,014	821,141	736,117	770,727	733,835	791,882	1,077,932	1,129,026	1,260,323	1,174,598	1,228,559	988,434	971,702	1,027,146	754,677	963,028	611,358	596,048	759,918	844,993	1,126,090	1,032,345	878,090	738,343	633,549	605,954	501,336	407,232	224,767	315,237	328,279	215,442	197,169	44,428	-8,870	-66,276	0	0	0
Net decrease in fed funds sold and resell agreements
-519,978	-951,344	-256,980	-213,257	-137,564	-435,400	38,024	114,175	69,259	132,726	455	11,762	-25,643	-150,700	-146,129	-104,957	-136,113	-45,190	-23,175	1,658	84,607	-31,087	-10,821	-15,679	-89,940	2,850	-13,262	-36,240	-9,383	-23,790	45,523	13,753	-5,870	169,098	-64,296	-14,850	17,384	94,589	81,555	100,464	30,657	-94,673	0	0	0
Net cash activity from acquisitions and divestitures
0	-	-	-	-	8,907	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-26,087	-16,760	-17,588	-16,204	-17,597	0	0	0	-	-	-	-	159,154	0	0	0	-	-	-	-
Net increase in interest bearing balances due from other financial institutions
-7,854	-10,447	9,418	-2,694	-1,152	9,389	6,812	28,803	30,064	45,752	56,970	59,806	76,678	88,009	59,090	67,761	55,475	34,473	6,296	-65,443	-98,253	-164,415	-139,874	-88,025	-62,627	-10,160	7,586	33,146	111,789	129,076	105,673	76,018	8,102	20,117	55,071	138,989	161,326	114,570	109,855	-73,624	-182,472	-174,405	0	0	0
Purchases of premises and equipment
79,899	72,313	68,938	58,615	59,367	57,940	48,430	47,276	40,101	36,447	36,639	44,638	47,327	50,841	50,610	41,807	47,405	53,760	51,671	55,008	52,718	44,790	46,535	40,185	37,228	38,313	39,519	41,124	45,169	44,038	40,293	40,650	35,250	35,557	39,617	37,308	36,683	32,592	29,423	25,632	22,941	23,426	0	0	0
Proceeds from sales of premises and equipment
11,021	5,536	0	0	0	-	-	-	-	3,037	1,246	170	1,253	1,760	3,086	2,575	1,720	1,069	345	582	4,088	5,212	6,792	6,523	2,931	2,586	1,247	1,622	1,441	1,473	1,056	800	904	182	2,523	2,551	2,742	2,793	1,158	1,893	2,171	2,165	0	0	0
Proceeds from bank-owned and company-owned life insurance death benefit
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by (used in) investing activities
-2,498,775	-3,000,429	-2,540,692	-2,482,970	-1,941,069	-1,750,293	-872,069	-504,331	-329,900	-478,578	-940,920	-790,213	-1,318,498	-1,502,443	-1,465,986	-1,698,237	-1,768,466	-1,330,237	-1,236,288	-1,395,493	-1,118,634	-1,430,979	-877,170	-553,109	-1,070,110	-1,020,848	-1,750,507	-1,952,592	-1,526,508	-1,541,531	-1,250,667	-1,373,563	-1,123,544	-722,372	-1,059,635	-933,803	-1,244,321	-979,217	-830,308	-1,257,305	-954,206	-363,652	0	0	0
FINANCING ACTIVITIES
Net (decrease) increase in demand and savings deposits
1,723,498	2,242,368	1,656,909	2,939,429	2,246,259	1,402,119	1,820,996	603,605	1,406,621	1,307,843	578,200	358,611	443,727	1,598,026	500,494	1,322,341	1,505,029	894,667	1,415,227	1,438,331	1,248,300	174,718	-91,416	457,961	-461,655	1,800,207	2,377,636	1,538,125	2,006,162	1,737,072	1,434,717	623,811	552,043	1,286,818	994,516	1,601,453	2,301,134	655,039	804,680	843,351	402,171	415,784	0	0	0
Net decrease in time deposits
86,807	79,616	-69,568	89,423	-84,609	-129,159	-83,896	-314,193	-83,540	144,543	43,155	89,460	33,534	-119,315	-173,268	-159,336	-176,393	-352,622	-50,640	-60,029	-337,452	-178,294	-203,415	-20,646	140,413	159,639	31,619	-157,234	-213,706	-272,627	-216,960	-207,762	-176,806	-145,648	-201,308	-108,044	-148,887	-160,936	-93,204	-97,118	141,288	393,291	0	0	0
Net decrease in fed funds purchased and repurchase agreements
396,869	377,588	598,015	42,726	139,433	258,216	-663,852	-220,212	-1,035,749	-596,233	-164,286	97,803	708,641	38,875	678,523	14,132	-37,357	-207,070	-369,209	167,141	-254,656	441,914	183,845	-550,685	314,393	-204,052	363,765	757,413	156,638	-163,557	-176,494	-105,371	-184,647	-133,515	-91,486	105,071	376,056	156,735	285,503	312,420	-102,943	-199,746	0	0	0
Net decrease in short-term debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-107	-211	-314	-415	-407	-303	-10,200	-10,099	-12,000	-30,689	-13,724	-13,862	-22,020	4,085	-3,656	2,030	4,548	6,310	-8,574	-5,287	13,707	0	0	0
Proceeds from long-term debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,320	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from short-term debt
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayment of long-term debt
-	4,826	3,346	1,878	2,060	1,653	1,587	1,436	1,484	1,524	1,909	11,657	11,549	11,703	11,504	1,508	10,698	10,816	10,854	11,015	1,715	1,565	1,383	1,338	1,398	1,310	1,488	1,512	1,545	1,679	2,738	2,785	2,795	4,055	2,942	3,013	16,536	15,416	22,117	22,557	12,547	12,467	0	0	0
Payment of contingent consideration on acquisitions
-	-	-	-	-	-	-	-	-	-	-	-	-	3,031	5,823	5,823	5,823	21,494	18,702	18,702	26,452	13,725	13,725	13,726	17,248	16,172	21,283	25,891	14,619	17,371	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Cash dividends paid
59,809	59,436	58,969	58,714	58,525	58,279	57,234	55,482	53,697	51,876	50,824	50,249	49,666	49,038	48,248	47,917	47,333	45,967	44,789	43,226	41,879	41,364	40,845	39,346	37,843	36,168	34,843	34,416	34,011	33,787	33,219	32,773	32,352	31,801	31,410	31,021	30,602	30,328	29,916	29,509	29,091	28,792	0	0	0
Proceeds from exercise of stock options and sales of treasury shares
5,643	4,637	6,055	6,579	8,234	12,318	12,118	11,033	15,292	13,867	18,290	19,308	16,942	16,911	16,362	16,510	14,225	11,606	8,040	7,640	7,711	8,966	10,118	10,439	11,545	9,794	7,555	8,623	7,151	7,530	7,288	4,719	3,514	2,443	2,463	2,269	2,142	2,280	1,652	1,738	1,940	1,974	0	0	0
Purchases of treasury stock
59,796	4,496	54,425	74,410	74,642	76,507	27,324	17,208	17,199	15,276	16,547	7,065	7,515	16,367	16,473	16,659	16,028	8,457	8,056	7,955	8,183	5,741	4,808	4,916	4,712	3,501	16,908	16,885	19,409	20,419	6,769	11,044	10,435	9,142	9,760	7,050	7,291	8,879	8,117	14,807	17,412	26,894	0	0	0
Net cash (used in) provided by financing activities
2,123,293	2,654,053	2,085,436	2,953,920	2,178,090	1,411,055	1,002,224	9,110	233,247	804,347	407,579	492,711	1,130,614	1,450,858	937,563	1,123,576	1,115,404	150,214	809,377	1,363,014	588,691	390,122	-126,499	73,602	179,290	1,941,684	2,909,416	2,059,750	1,878,198	1,224,550	963,721	239,750	119,229	935,343	656,435	1,556,111	2,478,277	603,195	944,950	987,113	380,300	559,048	0	0	0
Decrease in cash and cash equivalents
-70,904	-4,951	-191,735	803,197	560,704	-42,141	436,477	-189,127	232,824	652,295	-162,378	35,701	97,512	244,855	-320,206	-386,007	-435,754	-968,118	-189,420	228,337	-244,031	-795,198	-719,962	-215,653	-648,911	1,216,034	1,398,708	357,713	600,628	-93,237	-29,726	-944,390	-852,770	426,014	-229,225	828,208	1,439,654	-196,028	273,122	-101,758	-418,260	342,086	0	0	0
Supplemental disclosures:
Income tax refunds
727	2,245	2,407	12,032	57,143	63,127	71,416	76,771	51,053	45,749	50,190	45,460	32,598	44,076	41,677	41,292	44,763	47,086	56,843	60,199	59,644	61,228	52,883	51,780	53,196	46,445	46,707	40,949	42,712	44,074	44,649	51,322	51,439	41,041	38,679	37,422	47,599	48,116	47,122	37,254	35,777	35,202	0	0	0
Total interest payments
192,192	189,582	185,041	166,773	135,519	115,163	92,641	77,088	65,738	56,820	47,689	38,433	31,710	27,999	25,598	23,651	20,683	17,812	16,007	13,891	13,906	13,958	13,983	14,546	14,935	15,823	17,112	18,091	19,370	20,975	22,790	24,480	26,176	28,148	30,314	33,495	35,058	40,128	43,958	45,607	50,507	53,521	0	0	0
Noncash disclosures:
Acquisition of low-income housing tax credit investments
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Commitment to fund low-income housing tax credit investments
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-