UMB Financial Corporation (NASDAQ: UMBF), a diversified financial holding company, announced earnings for the three months ended September 30, 2012 of $26.1 million or $0.65 per share ($0.64 diluted). This is an increase of $0.1 million, or 0.4 percent, compared to third quarter 2011 earnings of $26.0 million or $0.65 per share ($0.64 diluted). Earnings for the nine months ended September 30, 2012 were $101.7 million or $2.54 per share ($2.51 diluted). This is an increase of $18.5 million, or 22.2 percent, compared to the prior year-to-date earnings of $83.2 million or $2.08 per share ($2.06 diluted). “UMB’s unique position as a diversified financial services company allowed us to post solid results for the quarter,” said Mariner Kemper, Chairman and Chief Executive Officer. “Investments in our fee businesses continue to pay off, demonstrated by the 5.3 percent increase in noninterest income compared to the third quarter of 2011. We are pleased to report yet another quarter of double-digit loan growth, with average balances increasing 10.5 percent over the third quarter of 2011. This marks our tenth consecutive quarter growing loans. Compared to the industry, the more than 1,400 regulated depositories that had announced third quarter results as of October 22 reported a median increase in loan balances of just 0.65 percent. In addition, UMB is an industry leader in credit quality, with net charge-offs of just 0.44 percent in the third quarter.” Net Interest Income and Margin Net interest income for the third quarter of 2012 increased $1.3 million, or 1.6 percent, compared to the same period in 2011. Average earning assets increased by $987.9 million, or 8.9 percent, compared to the third quarter of 2011. This increase was due to an $831.4 million, or 14.5 percent, increase in average total securities, including trading securities and a $502.9 million, or 10.5 percent, increase in average loans offset by a $335.8 million decrease in average interest bearing due from banks. Net interest margin decreased 18 basis points to 2.80 percent for the three months ended September 30, 2012 compared to the same quarter in 2011.