UMB Financial Corporation Reports Second Quarter 2013 Earnings of $29.9 million, $0.74 per Diluted Share

  UMB Financial Corporation Reports Second Quarter 2013 Earnings of $29.9
  million, $0.74 per Diluted Share

                Selected second quarter financial highlights:

  *Net loans at June 30, 2013 increased 19.5 percent to $6.3 billion; marks
    the thirteenth consecutive quarter of loan growth
  *Total company assets under management increased by 18.3 percent to $36.6
    billion
  *Revenue from fee-based businesses represents 58 percent of total revenue
  *Tier 1 capital ratio remains strong at 10.72 percent

Business Wire

KANSAS CITY, Mo. -- July 23, 2013

UMB Financial Corporation (NASDAQ: UMBF), a diversified financial holding
company, announced earnings for the three months ended June 30, 2013 of $29.9
million or $0.75 per share ($0.74 diluted). This is an increase of $0.8
million, or 2.6 percent, compared to second quarter 2012 earnings of $29.2
million or $0.73 per share ($0.72 diluted). Earnings for the six months ended
June 30, 2013 were $64.9 million or $1.62 per share ($1.61 diluted). This is a
decrease of $10.7 million, or 14.1 percent, compared to the prior year-to-date
earnings of $75.5 million or $1.89 per share ($1.87 diluted).

“We are pleased to report that actual period-end loan balances increased 19.5
percent year-over-year, representing our thirteenth consecutive quarter of
loan growth. This demonstrates our commitment to serving the needs of our
customers and partnering with our communities,” said Mariner Kemper, Chairman
and Chief Executive Officer. “For comparison, the more than 1,500 depositories
that have announced results as of July 22 reported median loan growth of just
1.4 percent. In addition, trust and securities processing revenue increased
13.9 percent compared to the same period in the prior year and noninterest
expense was $150.3 million, an increase of under four percent compared to the
same period a year ago, evidence that our focus on expense control is paying
off.”

Net Interest Income and Margin

Net interest income for the second quarter of 2013 increased $2.0 million, or
2.4 percent, compared to the same period in 2012. Average earning assets
increased by $1.6 billion, or 13.2 percent, compared to the second quarter of
2013. This increase was due to a $661.2 million, or 10.2 percent, increase in
average total securities, including trading securities and a $942.3 million,
or 18.1 percent, increase in average loans. Net interest margin decreased 26
basis points to 2.56 percent for the three months ended June 30, 2013,
compared to the same quarter in 2012.

Noninterest Income and Expense

Noninterest income increased $3.4 million, or 3.0 percent, for the three
months ended June 30, 2013, compared to the same period in 2012. This increase
is primarily attributed to increased trust and securities processing income of
$7.7 million, or 13.9 percent, for the three months ended June 30, 2013
compared to the same period in 2012. The increase in trust and securities
processing income was primarily due to a $4.2 million, or 23.7 percent
increase, in advisory fee income from the Scout Funds and a $2.4 million, or
13.9 percent, increase in fees related to institutional and personal
investment management services. Gains of $1.5 million on securities available
for sale were recognized in the second quarter of 2013 compared to $3.2
million during the same period in 2012. Other noninterest income decreased
$2.5 million, or 54.4 percent, primarily driven by decreased fair value
adjustments on interest rate swap transactions of $1.9 million compared to the
same period in 2012.

Noninterest expense increased $5.6 million, or 3.9 percent, for the three
months ended June 30, 2013, compared to the same period in 2012. This increase
is driven by higher salary and benefits expense of $5.6 million, or 7.1
percent. This increase is due to increases in salaries and wages of $2.6
million, or 5.2 percent, a $1.7 million, or 10.6 percent, increase in
commissions and bonuses, and a $1.3 million, or 10.6 percent, increase in
employee benefits expense. Processing fees increased $1.7 million, or 13.5
percent, due primarily to fees paid by the advisor to third-party distributors
of the Scout Funds. These increases were offset by a decrease in other expense
of $3.1 million, or 39.3 percent, primarily due to decreased fair value
adjustments on interest rate swap transactions of $1.9 million.

“Once again, our fee businesses posted strong quarterly results and
noninterest income represented 58 percent of our total revenue,” said Peter
deSilva, President and Chief Operating Officer. “Net inflows in our
Institutional Investment Management segment were $902 million, propelling
Scout assets under management to $26.3 billion at quarter end, an increase of
17.5 percent compared to a year ago. Our wealth management platform for
individuals ended the quarter with assets under management of $10.3 billion,
which when combined with Scout, brought total company assets under management
to $36.6 billion at the end of the quarter, an increase of 18.3 percent
compared second quarter 2012. Our Asset Servicing business has added $20.7
billion in assets under administration during the past year, and finally, in
our Payment Solutions segment, total quarterly debit and credit card purchase
volume increased by 16.5 percent to $1.7 billion.”

Balance Sheet

Average total assets for the three months ended June 30, 2013 were $14.9
billion compared to $13.2 billion for the same period in 2012, an increase of
$1.7 billion, or 12.7 percent. Average earning assets increased by $1.6
billion for the period, or 13.2 percent.

Average loan balances for the three months ended June 30, 2013 increased
$942.3 million, or 18.1 percent, to $6.2 billion compared to the same period
in 2012. Actual loan balances on June 30, 2013 were $6.3 billion, an increase
of $1.0 billion, or 19.3 percent, compared to June 30, 2012. This increase was
primarily driven by an increase in commercial loans of $695.8 million, or 26.4
percent, and a $216.8 million, or 16.0 percent, increase in commercial real
estate loans. Nonperforming loans decreased to $25.5 million on June 30, 2013
from $30.6 million on June 30, 2012. As a percentage of loans, nonperforming
loans decreased to 0.40 percent as of June 30, 2013, compared to 0.58 percent
on June 30, 2012. Nonperforming loans are defined as nonaccrual loans and
restructured loans. The company’s allowance for loan losses totaled $71.6
million, or 1.13 percent of loans, as of June 30, 2013, compared to $72.7
million, or 1.37 percent of loans, as of June 30, 2012.

For the three months ended June 30, 2013, average securities, including
trading securities, totaled $7.2 billion. This is an increase of $661.2
million, or 10.2 percent, from the same period in 2012.

Average total deposits increased $1.3 billion, or 12.2 percent, to $11.6
billion for the three months ended June 30, 2013, compared to the same period
in 2012. Average noninterest-bearing demand deposits increased $510.1 million,
or 12.4 percent, compared to 2012. Average interest-bearing deposits increased
by $749.3 million, or 12.1 percent, in 2013 as compared to 2012. Total
deposits as of June 30, 2013 were $11.7 billion, compared to $10.3 billion as
of June 30, 2012, a 13.6 percent increase. Also, as of June 30, 2013,
noninterest-bearing demand deposits were 41.7 percent of total deposits.

“Growth in earning assets and improved pricing on deposits drove a modest lift
in our net interest income for the second quarter,” said Mike Hagedorn, Chief
Financial Officer. “Loan growth represented nearly sixty percent of the
year-over-year increase in average earnings assets and we expect the shift in
earning asset mix to continue. However, without an increase in the Federal
Funds rate, our loan yields, which are largely tied to indices, will remain
under pressure.”

As of June 30, 2013, UMB had total shareholders’ equity of $1.2 billion, which
is flat as compared to the same period in 2012.

Year-to-Date

Earnings for the six months ended June 30, 2013 were $64.9 million or $1.62
per share ($1.61 diluted). This is a decrease of $10.7 million, or 14.1
percent, compared to the prior year-to-date earnings of $75.5 million or $1.89
per share ($1.87 diluted).

Net interest income for the six months ended June 30, 2013 increased $2.3
million, or 1.5 percent, compared to the same period in 2012. Net interest
margin decreased to 2.53 percent for the six months ended June 30, 2013 as
compared to 2.79 percent for the same period in 2012.

Noninterest income decreased $7.9 million, or 3.3 percent, to $234.6 million
for the six months ended June 30, 2013 as compared to the same period in 2012.
Gains of $7.4 million on securities available for sale were recognized in the
first six months of 2013 compared to $19.8 million during the same period in
2012. Other noninterest income decreased $11.8 million, or 66.5 percent,
primarily driven by an $8.2 million adjustment in contingent consideration
liabilities on acquisitions recognized in 2012. These adjustments were due to
the adoption of new accounting guidance in 2012 related to fair value
measurements and changes in cash flow projections. These decreases are offset
by increased trust and securities processing income of $15.3 million, or 13.9
percent, for the six months ended June 30, 2013, compared to the same period
in 2012. The increase in trust and securities processing income was primarily
due to a $9.0 million, or 26.6 percent, increase in advisory fee income from
the Scout Funds; a $1.3 million, or 3.4 percent, increase in fund
administration and custody services; and a $4.5 million, or 12.9 percent,
increase in fees related to institutional and personal investment management
services.

Noninterest expense increased $14.1 million, or 4.9 percent, for the six
months ended June 30, 2013 compared to the same period in 2012. This increase
is primarily driven by an increase in salary and employee benefit expense of
$9.4 million, or 5.9 percent, and a $3.0 million, or 11.7 percent, increase in
processing fees primarily driven by fees paid by the advisor to third-party
distributors of the Scout Funds.

Dividend Declaration

The Board of Directors declared during the company’s quarterly board meeting a
$0.215 quarterly cash dividend, payable on October 1, 2013, to shareholders of
record at the close of business on September 10, 2013.

Conference Call

The company plans to host a conference call to discuss its 2013 second quarter
earnings results on July 24, 2013, at 8:30 a.m. (CDT). Interested parties may
access the call by dialing (toll-free) 877-941-0844 or (U.S.) 480-629-9835.
The live call can also be accessed by visiting the investor relations area of
umb.com or by using the following the link:

http://event.on24.com/r.htm?e=654062&s=1&k=435304C67C8622B493E635DE3B5B7582

A replay of the conference call may be heard until August 8, 2013, by calling
(toll-free) 800-406-7325 or (U.S.) 303-590-3030. The replay pass code required
for playback is conference identification number 4628244. The call replay may
also be accessed via the company's website umb.com by visiting the investor
relations area.

Forward-Looking Statements:

This release contains forward-looking statements within the meaning of Section
27A of the Securities Act of 1933, Section 21E of the Securities Exchange Act
of 1934, and within the meaning of the Private Securities Litigation Reform
Act of 1995. Such forward-looking statements rely on a number of assumptions
concerning future events and are subject to risks and uncertainties, which
could cause actual results to differ materially from those contemplated by the
forward-looking statements in this Current Report on Form 8-K, any exhibits to
this Current Report and other public statements the company may make. While
management of UMB believes their assumptions are reasonable, UMB cautions that
changes in interest rates, changes in general economic conditions, changes in
the securities markets, legislative or regulatory changes, changes in
operations, changes in competition, technology changes, the ability of
customers to repay loans, changes in loan demand, increases in employee costs,
its ability to integrate acquisitions and other risks and uncertainties
detailed in UMB’s filings with the Securities and Exchange Commission, may
cause actual results to differ materially from those discussed in this
release. UMB has no duty to update such statements, and undertakes no
obligation to update or supplement forward-looking statements that become
untrue because of new information, future events or otherwise.

About UMB:

UMB Financial Corporation (Nasdaq: UMBF) is a financial services holding
company headquartered in Kansas City, Mo., offering complete banking, payment
solutions, asset servicing and institutional investment management to
customers. UMB operates banking and wealth management centers throughout
Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. It also
has a loan production office in Texas. Subsidiaries of the holding company
include mutual fund and alternative investment services groups, single-purpose
companies that deal with brokerage services and insurance, and a registered
investment advisor that manages the company's proprietary mutual funds and
investment advisory accounts for institutional customers. For more
information, visit umb.com, blog.umb.com or follow us on Twitter at @UMBBank,
Facebook at facebook.com/UMBBank and LinkedIn at
linkedin.com/company/umb-bank.

                                           
CONSOLIDATED BALANCE SHEETS                 UMB Financial Corporation
(unaudited, dollars in thousands)                         
                                             June 30,
Assets                                       2013          2012
                                                              
Loans                                        $ 6,338,921    $ 5,315,609
Allowance for loan losses                     (71,647)     (72,652)
Net loans                                     6,267,274    5,242,957
Loans held for sale                            6,693          11,027
Investment securities:
Available for sale                             6,944,358      6,329,724
Held to maturity                               160,328        96,250
Trading securities                             47,996         56,844
Federal Reserve Bank Stock and other          25,955       21,705
Total investment securities                   7,178,637    6,504,523
Federal funds and resell agreements            66,973         30,733
Interest-bearing due from banks                607,470        295,499
Cash and due from banks                        415,489        402,893
Bank premises and equipment, net               246,300        234,754
Accrued income                                 71,817         71,396
Goodwill                                       209,758        211,114
Other intangibles                              61,994         76,604
Other assets                                  120,812      101,162
Total assets                                 $ 15,253,217  $ 13,182,662
                                                              
                                                              
Liabilities
Deposits:
Noninterest-bearing demand                   $ 4,887,643    $ 4,217,487
Interest-bearing demand and savings            5,801,388      4,920,957
Time deposits under $100,000                   509,412        575,714
Time deposits of $100,000 or more             531,307      615,692
Total deposits                                11,729,750   10,329,850
Federal funds and repurchase agreements        2,157,979      1,400,566
Short-term debt                                514            10,000
Long-term debt                                 4,063          5,260
Accrued expenses and taxes                     117,916        169,812
Other liabilities                             16,523       15,176
Total liabilities                             14,026,745   11,930,664
                                                              
Shareholders' Equity
Common stock                                   55,057         55,057
Capital surplus                                736,456        726,708
Retained earnings                              834,445        756,835
Accumulated other comprehensive income         (22,227)       81,244
Treasury stock                                (377,259)    (367,846)
Total shareholders' equity                    1,226,472    1,251,998
Total liabilities and shareholders' equity   $ 15,253,217  $ 13,182,662
                                                              

                                               
Consolidated
Statements of                    UMB Financial Corporation
Income
(unaudited,
dollars in
thousands except                                                
share and per
share data)
                     Three Months Ended            Six Months Ended
                     June 30,                      June 30,
Interest Income      2013          2012          2013          2012
Loans                $ 56,615       $ 54,000       $ 111,335      $ 108,055
Securities:
Taxable interest       18,841         21,178         37,305         41,307
Tax-exempt             10,118       9,468        19,877       18,843
interest
Total securities       28,959         30,646         57,182         60,150
income
Federal funds and      40             25             64             41
resell agreements
Interest-bearing       330            362            1,000          1,197
due from banks
Trading securities     268          317          533          640
Total interest         86,212       85,350       170,114      170,083
income
                                                                    
Interest Expense
Deposits               3,333          4,376          7,125          9,364
Federal funds and
repurchase             491            508            1,058          948
agreements
Other                  61           93           121          309
Total interest         3,885        4,977        8,304        10,621
expense
Net interest           82,327         80,373         161,810        159,462
income
Provision for loan     5,000        4,500        7,000        9,000
losses
Net interest
income after           77,327       75,873       154,810      150,462
provision for loan
losses
                                                                    
Noninterest Income
Trust and
securities             63,486         55,755         125,798        110,465
processing
Trading and            5,423          7,140          12,532         16,818
investment banking
Service charges on     20,882         19,009         42,405         39,020
deposits
Insurance fees and     1,236          913            2,198          1,922
commissions
Brokerage fees         2,886          2,705          5,832          5,219
Bankcard fees          16,032         16,830         32,470         31,565
Gains on sale of
securities             1,519          3,222          7,412          19,763
available for
sale, net
Other                  2,121        4,652        5,954        17,755
Total noninterest      113,585      110,226      234,601      242,527
income
                                                                    
Noninterest
Expense
Salaries and           83,566         78,001         167,268        157,915
employee benefits
Occupancy, net         9,273          9,211          19,160         18,489
Equipment              11,873         11,004         23,807         21,669
Supplies and           5,362          5,218          9,849          10,261
services
Marketing and
business               5,705          5,986          9,977          10,246
development
Processing fees        14,293         12,593         28,383         25,409
Legal and              4,844          4,012          8,445          7,527
consulting
Bankcard               4,709          4,630          9,257          8,872
Amortization of        3,354          3,733          6,809          7,585
intangible assets
Regulatory fees        2,484          2,314          4,395          4,733
Other                  4,848        7,984        13,339       13,884
Total noninterest      150,311        144,686        300,689        286,590
expense
                                                                    
Income before          40,601         41,413         88,722         106,399
income taxes
Income tax             10,672       12,248       23,852       30,867
provision
Net income           $ 29,929      $ 29,165      $ 64,870      $ 75,532
                                                                    
Per Share Data
Net income - basic   $ 0.75         $ 0.73         $ 1.62         $ 1.89
Net income –           0.74           0.72           1.61           1.87
diluted
Dividends              0.215          0.205          0.430          0.410
Weighted average       39,966,869     40,034,649     39,924,423     40,030,052
shares outstanding
                                                                    

                         
Condensed Statements of
Consolidated              UMB Financial Corporation
Comprehensive Income
(unaudited, dollars in
thousands, except per
share data)
                           Three Months Ended        Six Months Ended
                           June 30,                   June 30,
                           2013         2012        2013         2012
Net Income                 $ 29,929     $ 29,165     $ 64,870     $ 75,532
Other comprehensive
(loss) income, net of
tax:
Unrealized (losses)
gains on securities:
Change in unrealized
holding (losses) gains,      (136,367)     30,771       (163,415)     20,155
net
Less: Reclassifications
adjustment for gains        (1,519)     (3,222)    (7,412)     (19,763)
included in net income
Change in unrealized
(losses) gains on            (137,886)     27,549       (170,827)     392
securities during the
period
Income tax (benefit)        52,087      (10,173)   63,012      (247)
expense
Other comprehensive         (85,799)    17,376     (107,815)   145
(loss) income
Comprehensive (loss)       $ (55,870)   $ 46,541    $ (42,945)   $ 75,677
income
                                                                    

                                                                           
Consolidated
Statements of
Shareholders'                                UMB Financial Corporation
Equity
(unaudited, dollars in thousands, except per share data)
                                                                                  
                                                                                  
                                                    Accumulated
                                                    Other
                Common     Capital     Retained     Comprehensive   Treasury
                Stock     Surplus    Earnings    Income         Stock        Total
Balance -
January 1,      $ 55,057   $ 723,299   $ 697,923    $81,099         $ (366,246)   $ 1,191,132
2012
Total
comprehensive     -          -           75,532     145               -             75,677
income
Cash
dividends         -          -           (16,620)   -                 -             (16,620)
($0.41 per
share)
Purchase of
treasury          -          -           -          -                 (5,284)       (5,284)
stock
Issuance of       -          (1,698)     -          -                 1,942         244
equity awards
Recognition
of equity         -          3,565       -          -                 -             3,565
based
compensation
Net tax
benefit
related to        -          164         -          -                 -             164
equity
compensation
plans
Sale of
treasury          -          234         -          -                 189           423
stock
Exercise of      -        1,144     -         -               1,553       2,697
stock options
Balance –       $ 55,057  $ 726,708  $ 756,835   $81,244        $ (367,846)  $ 1,251,998
June 30, 2012
                                                                                  
Balance -
January 1,      $ 55,057   $ 732,069   $ 787,015    $85,588         $ (380,384)   $ 1,279,345
2013
Total
comprehensive     -          -           64,870     (107,815)         -             (42,945)
income
Cash
dividends         -          -           (17,440)   -                 -             (17,440)
($0.43 per
share)
Purchase of
treasury          -          -           -          -                 (1,750)       (1,750)
stock
Issuance of       -          (2,466)     -          -                 2,916         450
equity awards
Recognition
of equity         -          4,096       -          -                 -             4,096
based
compensation
Net tax
benefit
related to        -          503         -          -                 -             503
equity
compensation
plans
Sale of
treasury          -          198         -          -                 104           302
stock
Exercise of      -        2,056     -         -               1,855       3,911
stock options
Balance –       $ 55,057  $ 736,456  $ 834,445   $(22,227)      $ (377,259)  $ 1,226,472
June 30, 2013
                                                                                  

                                     
Average Balances /                          UMB Financial Corporation
Yields and Rates
(tax - equivalent                                                
basis)
(unaudited, dollars in   Three Months Ended June 30,
thousands)
                         2013                       2012
                         Average        Average      Average        Average
Assets                   Balance       Yield/Rate  Balance       Yield/Rate
Loans, net of unearned   $ 6,158,821    3.69    %    $ 5,216,477    4.17    %
interest
Securities:
Taxable                    4,978,109    1.52           4,616,169    1.85
Tax-exempt                2,113,009   2.97          1,830,468   3.16
Total securities           7,091,118    1.95           6,446,637    2.22
Federal funds and          28,524       0.56           24,908       0.40
resell agreements
Interest-bearing due       432,588      0.31           432,693      0.34
from banks
Trading securities        66,482      1.79          49,789      2.80
Total earning assets       13,777,533   2.67           12,170,504   2.99
Allowance for loan         (70,004)                    (74,437)
losses
Other assets              1,167,899                  1,105,978
Total assets             $ 14,875,428                $ 13,202,045
                                                                            
                                                                            
Liabilities and
Shareholders' Equity
Interest-bearing         $ 6,943,399    0.19    %    $ 6,194,126    0.28    %
deposits
Federal funds and          1,848,118    0.11           1,450,375    0.14
repurchase agreements
Borrowed funds            4,592       5.33          15,317      2.44
Total interest-bearing     8,796,109    0.18           7,659,818    0.26
liabilities
Noninterest-bearing        4,636,240                   4,126,141
demand deposits
Other liabilities          153,227                     170,920
Shareholders' equity      1,289,852                  1,245,166
Total liabilities and    $ 14,875,428                $ 13,202,045
shareholders' equity
Net interest spread                     2.49    %                   2.73    %
Net interest margin                     2.56                        2.82
                                                                            
                                                                            
                         Six Months Ended June 30,
                         2013                       2012
                         Average        Average      Average        Average
Assets                   Balance       Yield/Rate  Balance       Yield/Rate
Loans, net of unearned   $ 5,987,788    3.75    %    $ 5,134,570    4.24    %
interest
Securities:
Taxable                    4,925,312    1.53           4,479,160    1.85
Tax-exempt                2,054,141   3.02          1,797,713   3.21
Total securities           6,979,453    1.97           6,276,873    2.24
Federal funds and          23,858       0.54           22,220       0.37
resell agreements
Interest-bearing due       701,282      0.29           737,853      0.33
from banks
Trading securities        62,048      1.92          50,991      2.71
Total earning assets       13,754,429   2.65           12,222,507   2.96
Allowance for loan         (70,750)                    (73,416)
losses
Other assets              1,145,799                  1,100,889
Total assets             $ 14,829,478                $ 13,249,980
                                                                            
                                                                            
Liabilities and
Shareholders' Equity
Interest-bearing         $ 6,980,728    0.21    %    $ 6,255,636    0.30    %
deposits
Federal funds and          1,761,074    0.12           1,511,401    0.13
repurchase agreements
Borrowed funds            4,989       4.89          16,125      3.85
Total interest-bearing     8,746,791    0.19           7,783,162    0.27
liabilities
Noninterest-bearing        4,631,425                   4,055,613
demand deposits
Other liabilities          165,117                     181,845
Shareholders' equity      1,286,145                  1,229,360
Total liabilities and    $ 14,829,478                $ 13,249,980
shareholders' equity
Net interest spread                     2.46    %                   2.69    %
Net interest margin                     2.53                        2.79
                                                                            

                                                             
SECOND QUARTER 2013
FINANCIAL HIGHLIGHTS                           UMB Financial Corporation
(unaudited, dollars in thousands, except
share and per share data)
                                                                             
Six Months Ended June 30                        2013          2012       
Net interest income                            $ 161,810        $ 159,462
Provision for loan losses                        7,000            9,000
Noninterest income                               234,601          242,527
Noninterest expense                              300,689          286,590
Income before income taxes                       88,722           106,399
Net income                                       64,870           75,532
Net income per share - Basic                     1.62             1.89
Net income per share - Diluted                   1.61             1.87
Return on average assets                         0.88       %     1.15       %
Return on average equity                         10.17      %     12.36      %
                                                                             
Three Months Ended June 30
Net interest income                            $ 82,327         $ 80,373
Provision for loan losses                        5,000            4,500
Noninterest income                               113,585          110,226
Noninterest expense                              150,311          144,686
Income before income taxes                       40,601           41,413
Net income                                       29,929           29,165
Net income per share - Basic                     0.75             0.73
Net income per share - Diluted                   0.74             0.72
Return on average assets                         0.81       %     0.89       %
Return on average equity                         9.31       %     9.42       %
                                                                             
At June 30
Assets                                         $ 15,253,217     $ 13,182,662
Loans, net of unearned interest                  6,338,921        5,315,609
Securities                                       7,178,637        6,504,523
Deposits                                         11,729,750       10,329,850
Shareholders' equity                             1,226,472        1,251,998
Book value per share                             30.20            30.89
Market price per share                           55.67            51.23
Equity to assets                                 8.04       %     9.50       %
Allowance for loan losses                      $ 71,647         $ 72,652
As a % of loans                                  1.13       %     1.37       %
Nonaccrual and restructured loans              $ 25,489         $ 30,642
As a % of loans                                  0.40       %     0.58       %
Loans over 90 days past due                    $ 4,013          $ 6,198
As a % of loans                                  0.06       %     0.12       %
Other real estate owned                        $ 3,573          $ 5,954
Net loan charge-offs quarter-to-date           $ 3,234          $ 5,334
As a % of average loans                          0.21       %     0.41       %
Net loan charge-offs year-to-date              $ 6,779          $ 8,365
As a % of average loans                          0.23       %     0.33       %
                                                                             
Common shares outstanding                        40,610,316       40,529,293
                                                                             
Average Balances
Six Months Ended June 30
Assets                                         $ 14,829,478     $ 13,249,980
Loans, net of unearned interest                  5,987,788        5,134,570
Securities                                       7,041,501        6,327,864
Deposits                                         11,612,153       10,311,249
Shareholders' equity                             1,286,145        1,229,360
                                                                             

                                   
Business Segment Information          UMB Financial Corporation
(unaudited, dollars in thousands)                                      
             Three Months Ended June 30, 2013
                             Payment       Institutional   Asset
              Bank          Solutions    Investment     Servicing     Total
                                           Management
Net
interest      $ 70,558      $ 11,192     $    (10)      $ 587         $ 82,327
income
Provision
for loan        1,682          3,318            -            -             5,000
losses
Noninterest     46,501         18,649           29,160       19,275        113,585
income
Noninterest    92,339       21,986         18,932     17,054      150,311
expense
Income
before          23,038         4,537            10,218       2,808         40,601
taxes
Income tax     5,664        1,350          2,691      967         10,672
expense
Net income    $ 17,374      $ 3,187      $    7,527     $ 1,841      $ 29,929
                                                                           
Average       $ 11,201,000   $ 1,793,000   $    80,000     $ 1,801,000   $ 14,875,000
assets
                                                                           
              Three Months Ended June 30, 2012
                             Payment       Institutional   Asset
              Bank          Solutions    Investment     Servicing     Total
                                           Management
Net
interest      $ 69,354       $ 10,556      $    -          $ 463         $ 80,373
income
Provision
for loan        2,222          2,278            -            -             4,500
losses
Noninterest     49,716         18,106           23,625       18,779        110,226
income
Noninterest    94,284       16,620         16,486     17,296      144,686
expense
Income
before          22,564         9,764            7,139        1,946         41,413
taxes
Income tax     6,422        2,791          2,197      838         12,248
expense
Net income    $ 16,142      $ 6,973      $    4,942     $ 1,108      $ 29,165
                                                                           
Average       $ 10,800,000   $ 871,000     $    83,000     $ 1,448,000   $ 13,202,000
assets
                                                                           

             Six Months Ended June 30, 2013
                             Payment       Institutional   Asset
              Bank          Solutions    Investment     Servicing     Total
                                           Management
Net
interest      $ 137,818     $ 22,740     $    (10)      $ 1,262      $ 161,810
income
Provision
for loan        1,939          5,061            -            -             7,000
losses
Noninterest     99,249         38,086           57,713       39,553        234,601
income
Noninterest    183,803      42,108         37,840     36,938      300,689
expense
Income
before          51,325         13,657           19,863       3,877         88,722
taxes
Income tax     12,798       4,137          5,343      1,574       23,852
expense
Net income    $ 38,527      $ 9,520      $    14,520    $ 2,303      $ 64,870
                                                                           
Average       $ 11,295,000   $ 1,724,000   $    78,000     $ 1,732,000   $ 14,829,000
assets
                                                                           
              Six Months Ended June 30, 2012
                             Payment       Institutional   Asset
              Bank          Solutions    Investment     Servicing     Total
                                           Management
Net
interest      $ 137,323      $ 21,281      $    3          $ 855         $ 159,462
income
Provision
for loan        4,057          4,943            -            -             9,000
losses
Noninterest     119,644        34,205           49,751       38,927        242,527
income
Noninterest    187,406      31,429         33,668     34,087      286,590
expense
Income
before          65,504         19,114           16,086       5,695         106,399
taxes
Income tax     18,015       5,709          4,776      2,367       30,867
expense
Net income    $ 47,489      $ 13,405     $    11,310    $ 3,328      $ 75,532
                                                                           
Average       $ 10,935,000   $ 857,000     $    83,000     $ 1,375,000   $ 13,250,000
assets

Contact:

UMB Financial Corporation
Media Contact:
Kelli Christman: 816-860-5088
or
Investor Relations Contact:
Kay McMillan, 816-860-7106