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UMB Financial Net Interest Margin (Bank Only) %

: 2.76% (As of Jun. 2021)
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Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. UMB Financial's annualized Net Interest Income (for Banks) for the quarter that ended in Jun. 2021 was $804 Mil. UMB Financial's average earning assets for the quarter that ended in Jun. 2021 was $29,105 Mil. Therefore, UMB Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2021 was 2.76%.


UMB Financial Net Interest Margin (Bank Only) % Historical Data

The historical data trend for UMB Financial's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

UMB Financial Annual Data
Trend Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20
Net Interest Margin (Bank Only) %
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.79 2.98 3.09 3.04 2.84

UMB Financial Quarterly Data
Sep16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21
Net Interest Margin (Bank Only) % Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.88 2.79 2.84 2.73 2.76

Competitive Comparison

For the Banks - Regional subindustry, UMB Financial's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

   

UMB Financial Net Interest Margin (Bank Only) % Distribution

For the Banks industry and Financial Services sector, UMB Financial's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where UMB Financial's Net Interest Margin (Bank Only) % falls into.



UMB Financial Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

UMB Financial's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2020 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2020 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2019 ) + Earning Assets (A: Dec. 2020 ))/ count )
=731.229/( (23598.349 + 27965.64)/ 2 )
=731.229/25781.9945
=2.84 %

where

Earning Assets(A: Dec. 2019 )
=Money Market Investments + Net Loan + Securities & Investments
=1578.345 + 13335.764 + 8684.24
=23598.349

Earning Assets(A: Dec. 2020 )
=Money Market Investments + Net Loan + Securities & Investments
=1650.335 + 15705.762 + 10609.543
=27965.64

UMB Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2021 is calculated as

Net Interest Margin (Bank Only) %(Q: Jun. 2021 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Mar. 2021 ) + Earning Assets (Q: Jun. 2021 ))/ count )
=804.284/( (28840.341 + 29370.223)/ 2 )
=804.284/29105.282
=2.76 %

where

Earning Assets(Q: Mar. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=1629.813 + 16126.339 + 11084.189
=28840.341

Earning Assets(Q: Jun. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=1146.521 + 16536.353 + 11687.349
=29370.223

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Jun. 2021) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


UMB Financial  (NAS:UMBF) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


UMB Financial Net Interest Margin (Bank Only) % Related Terms

Thank you for viewing the detailed overview of UMB Financial's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.


UMB Financial Business Description

UMB Financial logo
Industry
Financial Services » Banks NAICS : 522110 SIC : 6029
Traded in Other Exchanges
Address
1010 Grand Boulevard, Kansas City, MO, USA, 64106
UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking, asset management, and health spending solutions. Its customer base includes commercial, institutional, and personal customers across the United States. The company's banking subsidiaries own and operate banking and wealth-management centres mostly throughout the Midwest and Southwest regions of the U.S. Subsidiaries of the holding company and its lead bank, UMB Bank, include mutual fund and alternative investment services groups, single-purpose companies that deal with brokerage services and insurance, and a registered investment advisory. The bank's revenue is split nearly evenly between interest income and noninterest income.
Executives
Kemper J Mariner director, officer: Chairman and CEO 1010 GRAND BLVD. KANSAS CITY MO 64106
Peterman Tamara director 1010 GRAND BLVD KANSAS CITY MO 64106
Graves Greg M director 1010 GRAND BLVD KANSAS CITY MO 64106
Davidson Janine director 1010 GRAND BLVD KANSAS CITY MO 64106
Shankar Ram officer: Chief Financial Officer 1010 GRAND BLVD. KANSAS CITY MO 64106
Rine James D officer: President UMB Bank, n.a. 1010 GRAND BOULEVARD KANSAS CITY MO 64106
King Stacy H officer: Chief Risk Officer 1010 GRAND BLVD KANSAS CITY MO 64106
Cornelius James officer: Executive Vice President 1010 GRAND BOULEVARD KANSAS CITY MO 64106
Johnson Shannon Andresen officer: Chief Administrative Officer 1010 GRAND BLVD KANSAS CITY MO 64106
Macke Kevin M officer: Executive Vice President 1010 GRAND BOULEVARD KANSAS CITY MO 64106
Terry Thomas S officer: Chief Credit Officer 1010 GRAND BOULEVARD KANSAS CITY MO 64106
Pauls John officer: EVP & General Counsel 1010 GRAND BLVD KANSAS CITY MO 64106
Wendel Abigail M officer: President - Consumer Banking 1010 GRAND BOULEVARD KANSAS CITY MO 64106
Newton Nikki Farentino officer: President, Private Wealth Mgmt 1010 GRAND BLVD KANSAS CITY MO 64106
Beaird Robert Brian officer: Chief Human Resource Officer 1010 GRAND BLVD KANSAS CITY MO 64106

UMB Financial Headlines

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