UMBF UMB Financial Corporation

A column, entitled �Spotting the Financial Survivors,� by James B. Stewart in the October issue of SmartMoney focuses on the strongest, best-capitalized banks that will be able to take advantage of the weaknesses of their competitors. Mr. Stewart�s analysis factored a bank�s nonperforming assets and divided them by the sum of their shareholder equity and reserves against losses. He profiles four finalists he found promising � one of them is UMB Financial Corporation. In his profile of UMB, Stewart states: �UMB is the highest-scoring traditional bank among our favorites � the company�s double-digit earnings growth through the worst of the credit crisis should make it the envy of the banking industry.� �This attention is a testament to our time-tested, reliable business model,� UMB Financial Chairman and Chief Executive Officer, Mariner Kemper, said. �We have some of the most intelligent and experienced people in the financial industry who truly understand how to manage relationships � creating comfort and trust with customers. I�m proud to say that for more than 95 years, we have remained a sound, stable and strong financial services company built to survive and thrive in all times.� About UMB UMB Financial Corporation (NASDAQ: UMBF) is a multi-bank holding company headquartered in Kansas City, Mo., offering complete banking, asset management, health spending solutions and related financial services to both individual and business customers nationwide. Its banking subsidiaries own and operate 135 banking centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. Subsidiaries of the holding company and the lead bank, UMB Bank, n.a., include an investment services group based in Milwaukee, Wis., single-purpose companies that deal with brokerage services and insurance, and registered investment advisors for proprietary mutual funds.