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Financial HighlightsCOMMERCE BANCSHARES, INC. (NASDAQ - CBSH)  
Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves11,445,71510,822,6035.7611,460,039(0.50)
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve161,532163,532(1.22)161,5320.00
Net Loans Receivable11,284,18310,659,0715.8611,298,507(0.51)
Intangible AssetsNANANA146,377NA
Total Assets22,701,54522,452,2971.1123,005,179(5.28)
Deposits18,586,63818,217,7642.0218,939,836(7.46)
Debt, Senior and Subordinated1,500,2371,866,321(19.62)1,259,41976.49
Common Equity2,141,0472,177,533(1.68)2,114,9594.93
Total Shareholders' Equity2,288,8692,181,4864.922,262,1534.72
Shares Outstanding (actual)91,686,97895,822,840(4.32)91,609,3630.34
Income Statement ($000)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income154,716154,7060.01160,493(14.40)
Provision for Loan Losses7,6524,14684.567,5555.14
Noninterest Income110,186106,3113.64108,7635.23
Noninterest Expense161,880155,7573.93162,931(2.58)
Net Income Before Taxes100,159101,209(1.04)96,21216.41
Provision for Taxes31,13832,764(4.96)30,31210.90
Net Income69,02168,4450.8465,90018.94
Per Share Items ($)
2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share23.3522.722.7623.094.59
Tangible Book ValueNANANA21.49NA
Diluted EPS Before Extra0.720.711.410.7011.43
Diluted EPS After Extra0.720.711.410.7011.43
Dividends Declared0.22500.21435.000.22500.00
Performance Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA1.201.26(6)1.182
ROAE12.0712.83(76)11.5553
Net Interest Margin2.993.11(12)3.13(14)
Loans / Deposits61.5859.4121760.51107
Efficiency Ratio60.5659.728460.1046
Balance Sheet Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNANANA9.26NA
Equity/ Assets10.089.72379.8325
Asset Quality Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.230.2030.221
Loan Loss Reserves/ Gross Loans1.411.51(10)1.410
Loan Loss Reserves/ NPAsNA147.54NA142.73NA
Net Charge-offs/ Avg Loans0.270.2520.270
Regulatory Capital Ratios (%)
2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.65NA13.39NA
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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