UMB Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	441.24	350.02	431.68	353.02
Depreciation & Amortization	52.77	58.72	54.02	55.75
Other Amortization	0.88	0.88	0.56	0.45
Gain (Loss) on Sale of Assets	-3.2	-4.34	-3.06	-2.67
Gain (Loss) on Sale of Investments	37.18	46.24	-11.92	48.95
Provision for Credit Losses	61.05	41.23	37.9	20
Net Decrease (Increase) in Loans Originated / Sold - Operating	3.94	-0.75	0.49	10.56
Accrued Interest Receivable	-24.59	-31.08	-58.22	4.59
Change in Other Net Operating Assets	-337.67	15.24	290.22	50.42
Other Operating Activities	-26.61	-20.55	7.59	-23.05
Operating Cash Flow	225.29	472.6	769.55	534.08
Operating Cash Flow Growth	-52.33%	-38.59%	44.09%	42.96%
Capital Expenditures	-24.21	-26.91	-51.72	-33.69
Sale of Property, Plant and Equipment	4.2	3.81	6.73	3.9
Cash Acquisitions	-109.05	-0.79	-	-
Investment in Securities	-418.21	199.5	-654.63	-3,440
Divestitures	-	-	548.62	18.43
Net Decrease (Increase) in Loans Originated / Sold - Investing	-2,416	-2,159	-3,952	-1,118
Other Investing Activities	-299.66	710.25	257.76	333.98
Investing Cash Flow	-3,263	-1,273	-3,845	-4,235
Short-Term Debt Issued	990.07	32,856	-	922.94
Long-Term Debt Issued	-	-	110	-
Total Debt Issued	990.07	32,856	110	922.94
Short-Term Debt Repaid	-2,300	-31,159	-1,016	-
Total Debt Repaid	-2,300	-31,159	-1,016	-
Net Debt Issued (Repaid)	-1,310	1,697	-906.27	922.94
Issuance of Common Stock	4.69	2.46	2.14	19.05
Repurchase of Common Stock	-7.74	-8.37	-32	-5.51
Common Dividends Paid	-77.13	-74.25	-72.03	-66.75
Net Increase (Decrease) in Deposit Accounts	7,349	3,154	-3,571	8,549
Other Financing Activities	-1.41	-	-2.13	-
Financing Cash Flow	5,958	4,771	-4,581	9,418
Net Cash Flow	2,920	3,970	-7,657	5,717
Free Cash Flow	201.08	445.69	717.84	500.4
Free Cash Flow Growth	-54.88%	-37.91%	43.45%	59.68%
Free Cash Flow Margin	12.82%	31.37%	50.19%	39.63%
Free Cash Flow Per Share	4.10	9.14	14.73	10.27
Cash Interest Paid	1,205	844.4	196.48	47.11
Cash Income Tax Paid	76.93	79.33	101.95	92.58

Source: S&P Global Market Intelligence. Banks template. Financial Sources.