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UMBF's asset per employee ratio has doubled since 2009 to just under $8 million, while during the same time CBSH's has increased by 45% to $5.25 million. The gap between the two and the non interest income advantage that CBSH has are owed to a growing credit card business that requires more employees and a larger branch footprint. This combination adds to overhead, but the revenue generated from interchange fees (non interest income) more than compensates.

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