UMB Financial (UMBF) 8-K UMB Financial Corporation Reports Third Quarter 2014 Earnings of $35.6 million, or $0.78 per Diluted Share

Exhibit 99.1

UMB Financial Corporation 1010 Grand Boulevard Kansas City, MO 64106 816.860.7000 umb.com News Release

//FOR IMMEDIATE RELEASE//

Media Contact: Kelli Christman: 816.860.5088

Investor Relations Contact: Abby Wendel: 816.860.1685

UMB Financial Corporation Reports Third Quarter 2014 Earnings of $35.6 million, or $0.78 per Diluted Share

Selected third quarter financial highlights:

• Net loans for the three months ended September 30, 2014 increased 9.2 percent to $7.0 billion compared to the three months ended September 30, 2013

• Nonperforming loans decreased to 0.46 percent of loans as of September 30, 2014, from 0.48 percent of loans as of September 30, 2013

• Total assets under management stood at $42.1 billion as of September 30, 2014, an increase of 7.9 percent compared to the third quarter of 2013

• Company-wide noninterest income was 59.1 percent of total revenue

• Tier 1 capital ratio remains strong at 13.72 percent

KANSAS CITY, Mo.(October 28, 2014) – UMB Financial Corporation (Nasdaq: UMBF), a diversified financial holding company, announced earnings for the three months ended September 30, 2014 of $35.6 million or $0.79 per share ($0.78 diluted). This is an increase of $1.2 million, or 3.5 percent, compared to third quarter 2013 earnings of $34.4 million or $0.85 per share ($0.83 diluted). Earnings for the nine months ended September 30, 2014, were $93.7 million or $2.09 per share ($2.06 diluted) or a decrease of $5.6 million, or 5.6 percent, compared to the prior year-to-date earnings of $99.3 million or $2.47 per share ($2.44 diluted).

“In the third quarter, UMB delivered sound results against our business model that emphasizes diverse revenue sources, high quality credit, a strong balance sheet and low-cost funding,” said Mariner Kemper, Chairman and Chief Executive Officer. “Noninterest income growth was diversified across our lines of business, allowing us to remain well-positioned in the existing low interest rate environment.

“Average loans and deposits grew, profit margins for our nonbank segments improved, and total company revenue expanded in the third quarter, year-over-year,” continued Kemper. “Our strategy to shift our earning asset mix to loans remains a top priority. Commercial lending teams in Kansas City, Dallas/Ft. Worth and Phoenix led the way with loan growth resulting in an average loan-to-deposit ratio of 55.9 percent for the third quarter compared to 54.4 percent in the third quarter 2013. Margin was flat on a linked quarter basis.”

Net Interest Income and Margin

Net interest income for the third quarter of 2014 increased $2.0 million, or 2.3 percent, compared to the same period in 2013. Average earning assets increased by $719.9 million, or 5.2 percent, compared to the third quarter of 2013. This increase was due to a $578.0 million, or 9.0 percent, increase in average loans, and a $158.9 million, or 46.4 percent, increase in interest-bearing due from banks. Net interest margin decreased eight basis points to 2.53 percent for the three months ended September 30, 2014, compared to the same quarter in 2013.

Noninterest Income and Expense

Noninterest income increased $4.9 million, or 4.0 percent, for the three months ended September 30, 2014, compared to the same period in 2013. This increase is attributable to increased trust and securities processing income of $5.6 million, or 8.2 percent, for the three months ended September 30, 2014, compared to the same period in 2013. The increase in trust and securities processing income was primarily due to a $4.1 million, or 20.0 percent, increase in fees related to institutional and personal investment management services, and a $2.3 million, or 11.1 percent, increase in fund administration and custody services, offset by a $1.6 million, or 6.6 percent decrease, in advisory fee income from the Scout Funds. Bankcard fees increased $1.9 million, or 12.7 percent, due to an increase in interchange income. These increases were offset by a decrease in gains on sales of securities available for sale of $1.1 million, a decrease in equity earnings on alternative investments related to Prairie Capital Management (“PCM”) equity method investments of $1.4 million, and a decrease in other noninterest income of $1.2 million for the three months ended September 30, 2014, compared to the same period in 2013.

In discussing fee businesses, Kemper said, “total assets under management grew to $42.1 billion, assets under administration totaled $210.6 billion, and card purchase volume topped $2.1 billion. Our differentiated business model – with more than half of revenue coming from fee businesses – provides us an enviable position among our peers and the industry.”

Noninterest expense increased $8.4 million, or 5.5 percent, for the three months ended September 30, 2014, compared to the same period in 2013. This increase is driven by higher salaries and employee benefits expense of $6.3 million due to increases in salaries and wages of $3.2 million, or 5.9 percent, and an increase in commissions and bonuses of $3.2 million or 20.3 percent. Equipment expense increased by $1.2 million, or 9.9 percent, due to an increase in computer hardware and software expenses.

Balance Sheet

Average total assets for the three months ended September 30, 2014, were $15.6 billion compared to $14.9 billion for the same period in 2013, an increase of $0.7 billion, or 4.8 percent. Average earning assets increased by $0.7 billion for the period, or 5.2 percent.

Average loan balances for the three months ended September 30, 2014, increased $578.0 million, or 9.0 percent, to $7.0 billion compared to the same period in 2013. Actual loan balances on September 30, 2014, were $7.1 billion, an increase of $0.6 billion, or 9.2 percent, compared to September 30, 2013. This increase was primarily driven by an increase in commercial real estate loans of $171.7 million, or 10.5 percent, an increase in commercial loans of $162.9 million, or 4.8 percent, and an increase in construction loans of $123.2 million. Nonperforming loans, defined as nonaccrual loans and restructured loans, increased to $32.7 million on September 30, 2014, from $31.3 million on September 30, 2013. As a percentage of loans, nonperforming loans decreased to 0.46 percent as of September 30, 2014, compared to 0.48 percent as of September 30, 2013. The company’s allowance for loan losses totaled $77.3 million, or 1.09 percent of loans, as of September 30, 2014, compared to $74.9 million, or 1.15 percent of loans, as of September 30, 2013.

For the three months ended September 30, 2014, average securities, including trading securities, totaled $7.0 billion. This is a decrease of $31.5 million, or 0.4 percent, from the same period in 2013.

Average total deposits increased $717.1 million, or 6.1 percent, to $12.5 billion for the three months ended September 30, 2014, compared to the same period in 2013. Average noninterest-bearing demand deposits increased $390.9 million, or 8.4 percent, compared to 2013. Average interest-bearing deposits increased by $326.2 million, or 4.6 percent, in 2014 as compared to 2013. Total deposits as of September 30, 2014, were $12.8 billion, compared to $13.0 billion as of September 30, 2013, a 2.2 percent decrease. Also, as of September 30, 2014, noninterest-bearing demand deposits were 42.9 percent of total deposits, compared to 43.2 percent as of September 30, 2014.

As of September 30, 2014, UMB had total shareholders’ equity of $1.6 billion, an increase of 10.4 percent as compared to the same period in 2013.

Year-to-Date

Earnings for the nine months ended September 30, 2014, were $93.7 million or $2.09 per share ($2.06 diluted). This is a decrease of $5.6 million, or 5.6 percent, compared to the prior year-to-date earnings of $99.3 million or $2.47 per share ($2.44 diluted).

Net interest income for the nine months ended September 30, 2014, increased $11.8 million, or 4.8 percent, compared to the same period in 2013. Average earning assets increased by $1.1 billion, or 7.7 percent, compared to the same period in 2013. This increase was due to a $726.0 million, or 11.8 percent, increase in average loans, and a $354.2 million, or 61.0 percent, increase in interest-bearing due from banks. Net interest margin decreased eight basis points to 2.48 percent for the nine months ended September 30, 2014, compared to the same period in 2013.

Noninterest income increased $27.2 million, or 7.6 percent, to $383.4 million for the nine months ended September 30, 2014, as compared to the same period in 2013. The increase in noninterest income is primarily driven by increased trust and securities processing income of $24.7 million, or 12.7 percent. The increase in trust and securities processing income was primarily due to a $10.9 million, or 18.1 percent, increase in fees related to institutional and personal investment management services, a $6.7 million, or 11.4 percent, increase in fund administration and custody services, and a $4.8 million, or 7.1 percent, increase in advisory fee income from the Scout Funds. Additional increases in noninterest income include a $4.6 million increase in equity earnings on alternative investments due to unrealized gains on PCM equity method investments and a $2.9 million, or 28.1 percent, increase in other noninterest income. The increase in other noninterest income is driven by a $2.8 million gain on the sale of a branch property during the first nine months of 2014 compared to the same period in 2013. These increases were offset by a decrease in gains on sales of securities available for sale of $4.5 million in the first nine months of 2014 compared to the same period in 2013.

Noninterest expense increased $46.5 million, or 10.2 percent, for the nine months ended September 30, 2014, compared to the same period in 2013. This increase is driven by an increase in salaries and employee benefits expense of $17.5 million, or 7.0 percent, a $20.3 million increase in the contingency reserve, and a $5.0 million, or 24.1 percent, increase in other noninterest expense. Other noninterest expense increased $3.0 million due to fair value adjustments on contingent consideration liabilities on acquisitions and $1.3 million due to fair value adjustments on interest rate swap transactions.

Dividend Declaration

At the company’s quarterly board meeting, the Board of Directors declared a $0.235 quarterly cash dividend, which represents a 4.4 percent increase compared to the last quarterly dividend, payable on January 2, 2015, to shareholders of record at the close of business on December 10, 2014.

Conference Call

The company plans to host a conference call to discuss its 2014 third quarter earnings results on Oct. 29, 2014, at 8:30 a.m. (CT).

Interested parties may access the call by dialing (toll-free) 888-337-8169 or (U.S.) 719-325-2144 and entering conference identification number 8835300. The live call can also be accessed by visiting the investor relations area ofumb.com or by using the following the link:

http://event.on24.com/r.htm?e=861949&s=1&k=BF04BE655704A30A88C6CEEF87C86D48

A replay of the conference call may be heard until Nov. 12, 2014, by calling (toll-free) 888-203-1112 or (U.S.) 719-457-0820. The replay pass code required for playback is 8835300. The call replay may also be accessed via the company’s websiteumb.com by visiting the investor relations area.

Forward-Looking Statements:

This release contains, and our other communications may contain, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. All forward-looking statements are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control. You should not rely on any forward-looking statement as a prediction or guarantee about the future. Our actual future objectives, strategies, plans, prospects, performance, condition, or results may differ materially from those set forth in any forward-looking statement. Some of the factors that may cause actual results or other future events, circumstances, or aspirations to differ from those in forward-looking statements are described in our Annual Report on Form 10-K for the year ended December 31, 2013, our subsequent Quarterly Reports on Form 10-Q or Current Reports on Form 8-K, or other applicable documents that are filed or furnished with the SEC. Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made. You, however, should consult further disclosures (including disclosures of a forward-looking nature) that we may make in any subsequent Quarterly Report on Form 10-Q, Current Report on Form 8-K, or other applicable document that is filed or furnished with the SEC.

About UMB:

UMB Financial Corporation (Nasdaq: UMBF) is a diversified financial holding company headquartered in Kansas City, Mo., offering complete banking services, payment solutions, asset servicing and institutional investment management to customers. UMB operates banking and wealth management centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska, Arizona and Texas. Subsidiaries of the holding company include companies that offer services to mutual funds and alternative-investment entities and registered investment advisors that offer equity and fixed income strategies to institutions and individual investors. For more information, visitumb.com,umbfinancial.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)

	September 30,
	2014			2013
Assets
Loans	$	7,103,163		$	6,506,902
Allowance for loan losses		(77,316	)		(74,938	)
Net loans		7,025,847			6,431,964
Loans held for sale		1,718			3,033
Investment securities:
Available for sale		6,759,803			6,697,997
Held to maturity		237,961			175,993
Trading securities		31,790			54,994
Federal Reserve Bank Stock and other		71,192			31,478
Total investment securities		7,100,746			6,960,462
Federal funds and resell agreements		65,255			54,434
Interest-bearing due from banks		986,428			1,357,881
Cash and due from banks		395,956			604,592
Bank premises and equipment, net		257,341			247,827
Accrued income		77,263			72,030
Goodwill		209,758			209,758
Other intangibles		46,966			58,749
Other assets		116,750			183,503
Total assets	$	16,284,028		$	16,184,233
Liabilities
Deposits:
Noninterest-bearing demand	$	5,467,810		$	5,628,258
Interest-bearing demand and savings		6,324,535			6,248,189
Time deposits under $100,000		434,863			593,275
Time deposits of $100,000 or more		526,229			571,322
Total deposits		12,753,437			13,041,044
Federal funds and repurchase agreements		1,711,809			1,527,964
Short-term debt		—			211
Long-term debt		7,067			5,130
Accrued expenses and taxes		161,194			130,398
Other liabilities		35,172			15,831
Total liabilities		14,668,679			14,720,578
Shareholders’ Equity
Common stock		55,057			55,057
Capital surplus		891,353			862,153
Retained earnings		947,664			860,138
Accumulated other comprehensive income (loss)		1,827			(15,678	)
Treasury stock		(280,552	)		(298,015	)
Total shareholders’ equity		1,615,349			1,463,655
Total liabilities and shareholders’ equity	$	16,284,028		$	16,184,233

Consolidated Statements of Income	UMB Financial Corporation
(unaudited, dollars in thousands except share and per share data)

	Three Months Ended September 30,					Nine Months Ended September 30,
	2014			2013		2014		2013
Interest Income
Loans	$	61,636		$	59,125	$	180,844	$	170,459
Securities:
Taxable Interest		18,884			19,017		56,866		56,325
Tax-exempt interest		9,745			10,338		29,450		30,216
Total securities income		28,629			29,355		86,316		86,541
Federal funds and resell agreements		87			62		166		126
Interest bearing due from banks		426			276		2,015		1,276
Trading securities		39			278		311		808
Total interest income		90,817			89,096		269,653		259,210
Interest Expense
Deposits		3,015			3,097		9,166		10,222
Federal funds and repurchase agreements		358			385		1,293		1,443
Other		(82	)		69		53		190
Total interest expense		3,291			3,551		10,512		11,855
Net interest income		87,526			85,545		259,141		247,355
Provision for loan losses		4,500			6,500		14,000		13,500
Net interest income after provision for loan losses		83,026			79,045		245,141		233,855
Noninterest Income
Trust and securities processing		74,062			68,465		218,982		194,263
Trading and investment banking		3,826			3,792		14,558		16,324
Service charges on deposits		21,634			21,036		63,819		63,441
Insurance fees and commissions		911			869		2,246		3,066
Brokerage fees		3,276			2,895		8,166		8,727
Bankcard fees		17,121			15,196		49,929		47,666
Gains on sales of securities available for sale		26			1,140		4,065		8,552
Equity earnings on alternative investments		2,470			3,876		8,462		3,876
Other		3,149			4,356		13,213		10,311
Total noninterest income		126,475			121,625		383,440		356,226
Noninterest Expense
Salaries and employee benefits		90,041			83,733		268,454		251,000
Occupancy, net		10,475			10,016		29,885		29,175
Equipment		13,408			12,205		38,991		36,012
Supplies, postage and telephone		4,817			4,761		15,008		14,611
Marketing and business development		6,057			5,536		16,966		15,514
Processing fees		14,085			14,471		42,553		42,854
Legal and consulting		4,496			4,433		12,500		12,877
Bankcard		4,097			4,561		12,782		13,817
Amortization of other intangibles		3,043			3,245		9,219		10,054
Regulatory fees		2,577			2,670		7,802		7,066
Contingency Reserve		—			—		20,272		—
Other		8,365			7,432		25,781		20,772
Total noninterest expense		161,461			153,063		500,213		453,752
Income before income taxes		48,040			47,607		128,368		136,329
Income tax provision		12,410			13,175		34,653		37,027
Net income	$	35,630		$	34,432	$	93,715	$	99,302
Per Share Data
Net income- Basic	$	0.79		$	0.85	$	2.09	$	2.47
Net income- Diluted		0.78			0.83		2.06		2.44
Dividends		0.225			0.215		0.675		0.645
Weighted average shares outstanding		44,890,309			40,698,700		44,819,125		40,185,351

Statements of Consolidated Comprehensive Income (Loss)	UMB Financial Corporation
(unaudited, dollars in thousands, except per share data)

	Three Months Ended September 30,						Six Months Ended September 30,
	2014			2013			2014			2013
Net Income	$	35,630		$	34,432		$	93,715		$	99,302
Other comprehensive (loss) income, net of tax:
Unrealized (losses) gains on securities:
Change in unrealized holding (losses) gains, net		(24,213	)		11,694			59,156			(151,721	)
Less: Reclassifications adjustment for gains included in net income		(26	)		(1,140	)		(4,065	)		(8,552	)
Change in unrealized (losses) gains on securities during the period		(24,239	)		10,554			55,091			(160,273	)
Income tax expense (benefit)		9,165			(4,005	)		(20,624	)		59,007
Other comprehensive (loss) income		(15,074	)		6,549			34,467			(101,266	)
Comprehensive income (loss)	$	20,556		$	40,981		$	128,182		$	(1,964	)

Consolidated Statements ofShareholders’ Equity	UMB Financial Corporation
(unaudited, dollars in thousands, except per share data)

	Common Stock		Capital Surplus			Retained Earnings			Accumulated Other Comprehensive Income (Loss)			Treasury Stock			Total
Balance—January 1, 2013	$	55,057	$	732,069		$	787,015		$	85,588		$	(380,384	)	$	1,279,345
Total comprehensive income (loss)		—		—			99,302			(101,266	)		—			(1,964	)
Cash dividends ($0.645 per share)		—		—			(26,179	)		—			—			(26,179	)
Purchase of treasury stock		—		—			—			—			(2,551	)		(2,551	)
Issuance of equity awards		—		(2,189	)		—			—			2,638			449
Recognition of equity based compensation		—		6,319			—			—			—			6,319
Net tax benefit related to equity compensation plans		—		963			—			—			—			963
Sale of treasury stock		—		367			—			—			172			539
Exercise of stock options		—		2,916			—			—			2,641			5,557
Common stock issuance		—		121,708			—			—			79,469			201,177
Balance – September 30, 2013	$	55,057	$	862,153		$	860,138		$	(15,678	)	$	(298,015	)	$	1,463,655
Balance—January 1, 2014	$	55,057	$	882,407		$	884,630		$	(32,640	)	$	(283,389	)	$	1,506,065
Total comprehensive income		—		—			93,715			34,467			—			128,182
Cash dividends ($0.675 per share)		—		—			(30,681	)		—			—			(30,681	)
Purchase of treasury stock		—		—			—			—			(3,858	)		(3,858	)
Issuance of equity awards		—		(2,624	)		—			—			3,114			490
Recognition of equity based compensation		—		7,224			—			—			—			7,224
Net tax benefit related to equity compensation plans		—		1,507			—			—			—			1,507
Sale of treasury stock		—		455			—			—			244			699
Exercise of stock options		—		2,384			—			—			3,337			5,721
Balance – September 30, 2014	$	55,057	$	891,353		$	947,664		$	1,827		$	(280,552	)	$	1,615,349

Average Balances / Yields and Rates	UMB Financial Corporation
(tax—equivalent basis) (unaudited, dollars in thousands)

	Three Months Ended September 30,
	2014						2013
	Average Balance			Average Yield/Rate			Average Balance			Average Yield/Rate
Assets
Loans, net of unearned interest	$	6,996,363			3.50	%	$	6,418,368			3.65	%
Securities:
Taxable		4,864,337			1.54			4,835,235			1.56
Tax-exempt		2,128,281			2.80			2,150,108			2.95
Total securities		6,992,618			1.92			6,985,343			1.99
Federal funds and resell agreements		61,161			0.56			46,593			0.53
Interest-bearing due from banks		501,157			0.34			342,307			0.32
Trading securities		24,550			0.95			63,302			1.85
Total earning assets		14,575,849			2.62			13,855,913			2.71
Allowance for loan losses		(77,347	)					(72,792	)
Other assets		1,139,820						1,140,648
Total assets	$	15,638,322					$	14,923,769
Liabilities and Shareholders’ Equity
Interest-bearing deposits	$	7,444,093			0.16	%	$	7,117,927			0.17	%
Federal funds and repurchase agreements		1,347,665			0.11			1,764,082			0.09
Borrowed funds		5,728			(5.68	)		4,688			5.84
Total interest-bearing liabilities		8,797,486			0.15			8,886,697			0.16
Noninterest-bearing demand deposits		5,060,662						4,669,742
Other liabilities		167,704						107,000
Shareholders’ equity		1,612,470						1,260,330
Total liabilities and shareholders’ equity	$	15,638,322					$	14,923,769
Net interest spread					2.47	%					2.55	%
Net interest margin					2.53						2.61
	Nine Months Ended September 30,
	2014						2013
	Average Balance			Average Yield/Rate			Average Balance			Average Yield/Rate
Assets
Loans, net of unearned interest	$	6,858,874			3.53	%	$	6,132,892			3.72	%
Securities:
Taxable		4,862,439			1.56			4,894,956			1.54
Tax-exempt		2,114,251			2.87			2,086,482			2.99
Total securities		6,976,690			1.96			6,981,438			1.97
Federal funds and resell agreements		40,461			0.55			31,519			0.53
Interest-bearing due from banks		934,532			0.29			580,309			0.29
Trading securities		33,257			1.46			62,470			1.89
Total earning assets		14,843,814			2.57			13,788,628			2.67
Allowance for loan losses		(76,100	)					(71,438	)
Other assets		1,153,074						1,144,064
Total assets	$	15,920,788					$	14,861,254
Liabilities and Shareholders’ Equity
Interest-bearing deposits	$	7,511,115			0.16	%	$	7,026,963			0.19	%
Federal funds and repurchase agreements		1,534,966			0.11			1,762,087			0.11
Borrowed funds		5,735			1.24			4,888			5.20
Total interest-bearing liabilities		9,051,816			0.16			8,793,938			0.18
Noninterest-bearing demand deposits		5,126,660						4,644,338
Other liabilities		160,140						145,533
Shareholders’ equity		1,582,172						1,277,445
Total liabilities and shareholders’ equity	$	15,920,788					$	14,861,254
Net interest spread					2.41	%					2.49	%
Net interest margin					2.48						2.56

THIRD QUARTER 2014 FINANCIAL HIGHLIGHTS	UMB Financial Corporation
(unaudited, dollars in thousands, except share and per share data)

Nine Months Ended September 30	2014			2013
Net interest income	$	259,141		$	247,355
Provision for loan losses		14,000			13,500
Noninterest income		383,440			356,226
Noninterest expense		500,213			453,752
Income before income taxes		128,368			136,329
Net income		93,715			99,302
Net income per share—Basic		2.09			2.47
Net income per share—Diluted		2.06			2.44
Return on average assets		0.79	%		0.89	%
Return on average equity		7.92	%		10.39	%
Three Months Ended September 30
Net interest income	$	87,526		$	85,545
Provision for loan losses		4,500			6,500
Noninterest income		126,475			121,625
Noninterest expense		161,461			153,063
Income before income taxes		48,040			47,607
Net income		35,630			34,432
Net income per share—Basic		0.79			0.85
Net income per share—Diluted		0.78			0.83
Return on average assets		0.90	%		0.92	%
Return on average equity		8.77	%		10.84	%
At September 30
Assets	$	16,284,028		$	16,184,233
Loans, net of unearned interest		7,103,163			6,506,902
Securities		7,100,746			6,960,462
Deposits		12,753,437			13,041,044
Shareholders’ equity		1,615,349			1,463,655
Book value per share		35.51			32.85
Market price per share		54.55			54.34
Equity to assets		9.92	%		9.04	%
Allowance for loan losses	$	77,316		$	74,938
As a % of loans		1.09	%		1.15	%
Nonaccrual and restructured loans	$	32,662		$	31,260
As a % of loans		0.46	%		0.48	%
Loans over 90 days past due	$	4,678		$	3,780
As a % of loans		0.07	%		0.06	%
Other real estate owned	$	1,369		$	1,441
Net loan charge-offs quarter-to-date	$	3,985		$	3,209
As a % of average loans		0.23	%		0.20	%
Net loan charge-offs year-to-date	$	11,434		$	9,988
As a % of average loans		0.22	%		0.22	%
Common shares outstanding		45,485,313			44,554,834
Average Balances Nine Months Ended September 30
Assets	$	15,920,788		$	14,861,254
Loans, net of unearned interest		6,858,874			6,132,892
Securities		7,009,947			7,043,908
Deposits		12,637,775			11,671,301
Shareholders’ equity		1,582,172			1,277,445

Business Segment Information	UMB Financial Corporation
(unaudited, dollars in thousands)

	Three Months Ended September 30, 2014
	Bank		Payment Solutions		Institutional Investment Management			Asset Servicing		Total
Net interest income	$	72,906	$	13,442	$	—		$	1,178	$	87,526
Provision for loan losses		2,446		2,054		—			—		4,500
Noninterest income		48,385		21,579		33,919			22,592		126,475
Noninterest expense		99,307		22,056		20,910			19,188		161,461
Income before taxes		19,538		10,911		13,009			4,582		48,040
Income tax expense		5,081		2,795		3,350			1,184		12,410
Net income	$	14,457	$	8,116	$	9,659		$	3,398	$	35,630
Average assets	$	11,639,000	$	2,823,000	$	74,000		$	1,102,000	$	15,638,000
	Three Months Ended September 30, 2013
	Bank		Payment Solutions		Institutional Investment Management			Asset Servicing		Total
Net interest income	$	73,419	$	11,587	$	(11	)	$	550	$	85,545
Provision for loan losses		1,833		4,667		—			—		6,500
Noninterest income		48,945		18,409		33,842			20,429		121,625
Noninterest expense		93,150		21,658		21,054			17,201		153,063
Income before taxes		27,381		3,671		12,777			3,778		47,607
Income tax expense		6,922		1,283		3,506			1,464		13,175
Net income	$	20,459	$	2,388	$	9,271		$	2,314	$	34,432
Average assets	$	11,128,000	$	1,727,000	$	76,000		$	1,993,000	$	14,924,000
	Nine Months Ended September 30, 2014
	Bank		Payment Solutions		Institutional Investment Management			Asset Servicing		Total
Net interest income	$	216,508	$	38,220	$	(3	)	$	4,416	$	259,141
Provision for loan losses		7,558		6,442		—			—		14,000
Noninterest income		151,843		62,998		102,014			66,585		383,440
Noninterest expense		308,013		67,680		68,848			55,672		500,213
Income before taxes		52,780		27,096		33,163			15,329		128,368
Income tax expense		14,326		7,272		8,887			4,168		34,653
Net income	$	38,454	$	19,824	$	24,276		$	11,161	$	93,715
Average assets	$	11,914,000	$	2,350,000	$	74,000		$	1,583,000	$	15,921,000
	Nine Months Ended September 30, 2013
	Bank		Payment Solutions		Institutional Investment Management			Asset Servicing		Total
Net interest income	$	211,238	$	34,327	$	(22	)	$	1,812	$	247,355
Provision for loan losses		3,770		9,730		—			—		13,500
Noninterest income		148,129		56,486		91,550			60,061		356,226
Noninterest expense		277,226		63,626		58,754			54,146		453,752
Income before taxes		78,371		17,457		32,774			7,727		136,329
Income tax expense		19,629		5,464		8,880			3,054		37,027
Net income	$	58,742	$	11,993	$	23,894		$	4,673	$	99,302
Average assets	$	11,145,000	$	1,770,000	$	79,000		$	1,867,000	$	14,861,000