| EXHIBIT 12 TO FORM 10-K UMB FINANCIAL CORPORATION Computation of Ratio of Earnings to Fixed Assets |
| 2000 | 1999 | 1998 |
| Income before income taxes and change in accounting principle | 88,107 | 87,052 | 75,976 |
| Add Portion of rents representative of the interest factor | 1,468 | 1,417 | 1,282 |
| Interest on indebtedness other than deposits | 63,822 | 60,447 | 48,725 |
| Amortization of debt expense | 65 | 65 | 65 |
| Income as adjusted excluding interest on deposits | 153,462 | 148,981 | 126,048 |
| Add interest on deposits | 132,555 | 122,876 | 138,367 |
| Income as adjusted including interest on deposits | 286,017 | 271,857 | 264,415 |
| Fixed charges Interest on indebtedness other than deposits | 63,822 | 60,447 | 48,725 |
| Portion of rents representative of the interest factor | 1,468 | 1,417 | 1,282 |
| Amortization of debt expense | 65 | 65 | 65 |
| Fixed charges excluding interest on deposits | 65,355 | 61,929 | 50,072 |
| Interest on deposits | 132,555 | 122,876 | 138,367 |
| Fixed charges including interest on deposits | 197,910 | 184,805 | 188,439 |
Ratio of earnings to fixed charges Excluding interest on deposits | 2.35 | 2.41 | 2.52 |
| Including interest on deposits | 1.45 | 1.47 | 1.40 |
