UMB FINANCIAL CORP - Director's Dealing 2012

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2012-07-27

Reporting Person: RILINGER DENNIS R (EVP and General Counsel)

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2012-07-27	Common Stock	M	5114	$37.73	Acquired	26656.6209	Direct
2012-07-27	Common Stock	M	2912	$41.37	Acquired	29568.6209	Direct
2012-07-27	Common Stock	M	3766	$34.84	Acquired	33334.6209	Direct
2012-07-27	Common Stock	M	5423	$38.84	Acquired	38757.6209	Direct
2012-07-27	Common Stock	F	7695	$49.25	Disposed	31062.6209	Direct
2012-07-27	Common Stock	S	200	$49.1901	Disposed	30862.6209	Direct
2012-07-27	Common Stock	S	500	$49.20	Disposed	30362.6209	Direct
2012-07-27	Common Stock	S	412	$49.2156	Disposed	29950.6209	Direct
2012-07-27	Common Stock	S	300	$49.23	Disposed	29650.6209	Direct
2012-07-27	Common Stock	S	1500	$49.25	Disposed	28150.6209	Direct
2012-07-27	Common Stock	S	500	$49.26	Disposed	27650.6209	Direct
2012-07-27	Common Stock	S	88	$49.28	Disposed	27562.6209	Direct
2012-07-27	Common Stock	S	526	$49.30	Disposed	27036.6209	Direct
2012-07-27	Common Stock	S	500	$49.31	Disposed	26536.6209	Direct
2012-07-27	Common Stock	S	1000	$49.32	Disposed	25536.6209	Direct
2012-07-27	Common Stock	S	1000	$49.33	Disposed	24536.6209	Direct
2012-07-27	Common Stock	S	400	$49.3401	Disposed	24136.6209	Direct
2012-07-27	Common Stock	S	100	$49.3402	Disposed	24036.6209	Direct
2012-07-27	Common Stock	S	1000	$49.37	Disposed	23036.6209	Direct
2012-07-30	Common Stock	S	200	$48.945	Disposed	22836.6209	Direct
2012-07-30	Common Stock	S	400	$48.92	Disposed	22436.6209	Direct
2012-07-30	Common Stock	S	100	$48.89	Disposed	22336.6209	Direct
2012-07-30	Common Stock	S	100	$48.8701	Disposed	22236.6209	Direct
2012-07-30	Common Stock	S	694	$48.87	Disposed	21542.6209	Direct

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2012-07-27	Stock Option (Right to Buy)	$37.73	M	5114	Disposed	2018-01-01	Common Stock (5114)	Direct
2012-07-27	Stock Option (Right to Buy)	$41.37	M	2912	Disposed	2019-01-01	Common Stock (2912)	Direct
2012-07-27	Stock Option (Right to Buy)	$34.84	M	3766	Disposed	2016-01-01	Common Stock (3766)	Direct
2012-07-27	Stock Option (Right to Buy)	$38.84	M	5423	Disposed	2017-01-01	Common Stock (5423)	Direct

Security	Shares	Ownership
Common Stock	2065.5068	Indirect
Common Stock	4484	Indirect

F1: Includes shares acquired from dividend reinvestment

F2: Reflects ESOP allocations and dispositions that have occurred since the date of the reporting person's last ownership report.

F3: Options will vest 50% on 1/1/2011; 75% on 1/1/2012; and 100% on 1/1/2013

F4: Options will vest 50% on 1/1/2012, 75% on 1/1/2013, and 100% on 1/1/2014

F5: Options vest 50% after 3years, 75% after 4 years and 100% after 5 years

F6: Options will vest 50% on the third 1/1/2010; 75% on the 1/1/2011; and 100% on 1/1/2012.