UMB Financial (UMBF) 10-K/A 2001 FY Annual report (amended)

EXHIBIT 12 TO FORM 10-K
UMB FINANCIAL CORPORATION
Computation of Ratio to Fixed Charges

2001   2000   1999   1998   1997   1996  

Income before income taxes and change in accounting principle	90,934	88,107	87,052	75,976	89,801	85,530
Add
Portion of rents representative of the interest factor	1,797	1,468	1,417	1,282	761	817
Interest on indebtedness other than deposits	37,211	63,822	60,447	48,725	43,844	41,446
Amortization of debt expense	65	65	65	65	65	65

Income as adjusted excluding interest on deposits	130,007	153,462	148,981	126,048	134,471	127,858
Add interest on deposits	107,928	132,555	122,876	138,367	127,950	123,135

Income as adjusted including interest on deposits  237,935 286,017 271,857 264,415 262,421 250,993

Fixed charges
Interest on indebtedness other than deposits	37,211	63,822	60,447	48,725	43,844	41,446
Portion of rents representative of the interest factor	1,797	1,468	1,417	1,282	761	817
Amortization of debt expense	65	65	65	65	65	65

Fixed charges excluding interest on deposits	39,073	65,355	61,929	50,072	44,670	42,328
Interest on deposits	107,928	132,555	122,876	138,367	127,950	123,135

Fixed charges including interest on deposits   147,001 197,910 184,805 188,439 172,620 165,463

Ratio of earnings to fixed charges 

Excluding interest on deposits   3.33 2.35 2.41 2.52 3.01 3.02

Including interest on deposits  1.62 1.45 1.47 1.40 1.52 1.52