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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)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves11,928,48111,460,0394.0911,721,9607.05
Loans Held for Sale, before Reserves7,8520NM2,770733.86
Loan Loss Reserve151,532161,532(6.19)153,532(5.21)
Net Loans Receivable11,784,80111,298,5074.3011,571,1987.38
Intangible Assets144,657146,377(1.18)145,070(1.14)
Total Assets23,705,93523,005,1793.0524,049,483(5.71)
Deposits19,288,70918,939,8361.8419,576,499(5.88)
Debt, Senior and Subordinated1,769,8861,259,41940.531,714,31712.97
Common Equity2,165,1372,114,9592.372,255,830(16.08)
Total Shareholders' Equity2,315,3602,262,1532.352,405,407(14.97)
Shares Outstanding (actual)93,332,92196,189,831(2.97)96,541,799(13.30)
Income Statement ($000)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Net Interest Income163,657160,4931.97146,13847.95
Provision for Loan Losses6,7577,555(10.56)4,420211.49
Noninterest Income114,092108,7634.90106,42628.81
Noninterest Expense165,320162,5531.70163,6973.97
Net Income Before Taxes107,81596,59011.6290,48276.63
Provision for Taxes32,49230,6905.8728,46856.54
Net Income75,32365,90014.3062,01485.85
Per Share Items ($)
2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Book Value per Share23.2021.995.5123.37(2.88)
Tangible Book Value21.6520.475.7821.86(3.94)
Diluted EPS Before Extra0.750.6613.640.6191.80
Diluted EPS After Extra0.750.6613.640.6191.80
Dividends Declared0.22500.21435.000.22500.00
Performance Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
ROAA1.261.1881.0521
ROAE12.6311.5510810.44219
Net Interest Margin3.043.13(9)2.7628
Loans / Deposits61.8460.5113359.88196
Efficiency Ratio59.3660.10(74)64.63(527)
Balance Sheet Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.219.26(4)9.46(24)
Equity/ Assets9.779.83(7)10.00(23)
Asset Quality Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.130.22(9)0.17(4)
Loan Loss Reserves/ Gross Loans1.271.41(14)1.31(4)
Loan Loss Reserves/ NPAsNA142.73NA183.26NA
Net Charge-offs/ Avg Loans0.300.2730.264
Regulatory Capital Ratios (%)
2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.39NA12.96NA
   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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