We are pleased to share the UMB Financial Corporation 2016 Annual Report with you. In addition to the financial information, our report includes a message from our leadership teams and key data from other areas of our diverse business.

As we look to the future, we first want to thank our clients. We are proud of all that was accomplished during the past year, none of which would have been possible without their support and trust.

2016 was a great year for UMB. We recorded record revenue, improved net income and renewed our commitment to operational efficiency and financial discipline.

We achieved several noteworthy milestones across many divisions of our company. For example, our UMB Private Wealth Management division expanded into Dallas and Ft. Worth, Texas.

We also retained our number one Kansas City market share leader in deposits ranking for the sixth year in a row. We saw growth in commercial and industrial loans, average commercial deposits and commercial real estate loans, as well as growth in total commercial earning assets.

In Fund Services, we saw growth in both alternative investment funds and private equity funds serviced, as well as continued asset growth in the Investment Managers Series Trusts.

All that said, our greatest asset continues to our talented associates and their commitment to delivering the unparalleled customer experience.

Thank you for the trust and confidence you place in us.

-Mariner Kemper