EX-12 5 exhibit12.htm UMBFC EXHIBIT 12 UMB Financial Corporation 10K 2001 EXHIBIT 12

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