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

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Balance Sheet ($000)
2013 Q1 2012 Q1 Y-Y
Ch (%) 		2012 Q4 Q-Q
Ch (%)†
Loans Held for Investment, before Reserves 9,982,686 9,247,971 7.94 9,831,384 6.16
Loans Held for Sale, before Reserves 9,085 9,673 (6.08) 8,827 11.69
Loan Loss Reserve 168,032 181,532 (7.44) 172,532 (10.43)
Net Loans Receivable 9,823,739 9,076,112 8.24 9,667,679 6.46
Intangible Assets 129,952 131,969 (1.53) 130,413 (1.41)
Total Assets 22,227,208 20,526,917 8.28 22,159,589 1.22
Deposits 18,514,867 16,771,760 10.39 18,348,653 3.62
Debt, Senior and Subordinated 1,229,641 1,234,508 (0.39) 1,187,260 14.28
Common Equity 2,175,145 2,195,336 (0.92) 2,167,127 1.48
Total Shareholders' Equity 2,179,191 2,199,206 (0.91) 2,171,574 1.40
Shares Outstanding (actual) 90,739,038 93,012,999 (2.44) 91,414,306 (2.95)
Income Statement ($000)
2013 Q1 2012 Q1 Y-Y
Ch (%) 		2012 Q4 Q-Q
Ch (%)†
Net Interest Income 150,343 159,737 (5.88) 161,253 (27.06)
Provision for Loan Losses 3,285 8,165 (59.77) 8,326 (242.18)
Noninterest Income 99,877 97,583 2.35 103,309 (13.29)
Noninterest Expense 155,037 150,461 3.04 158,277 (8.19)
Net Income Before Taxes 89,733 99,734 (10.03) 94,231 (19.09)
Provision for Taxes 28,925 32,920 (12.14) 27,628 18.78
Net Income 60,808 66,814 (8.99) 66,603 (34.80)
Per Share Items ($)
2013 Q1 2012 Q1 Y-Y
Ch (%) 		2012 Q4 Q-Q
Ch (%)†
Book Value per Share 23.97 23.60 1.56 23.71 4.47
Tangible Book Value 22.54 22.18 1.60 22.28 4.65
Diluted EPS Before Extra 0.67 0.70 (4.29) 0.72 (27.78)
Diluted EPS After Extra 0.67 0.70 (4.29) 0.72 (27.78)
Dividends Declared 0.2250 0.2190 2.72 1.6476 (345.38)
Performance Ratios (%)
2013 Q1 2012 Q1 Y-Y
Ch (bp) 		2012 Q4 Q-Q
Ch (bp)
ROAA 1.13 1.29 (16) 1.25 (12)
ROAE 11.38 12.04 (66) 11.62 (24)
Net Interest Margin 3.07 3.45 (38) 3.35 (28)
Loans / Deposits 53.92 55.14 (122) 53.58 34
Efficiency Ratio 61.76 58.91 285 59.62 214
Balance Sheet Ratios (%)
2013 Q1 2012 Q1 Y-Y
Ch (bp) 		2012 Q4 Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets 9.27 10.14 (86) 9.27 1
Equity/ Assets 9.80 10.71 (91) 9.80 0
Asset Quality Ratios (%)
2013 Q1 2012 Q1 Y-Y
Ch (bp) 		2012 Q4 Q-Q
Ch (bp)
Nonperforming Assets/ Assets 0.27 0.43 (16) 0.29 (2)
Loan Loss Reserves/ Gross Loans 1.68 1.96 (28) 1.75 (7)
Loan Loss Reserves/ NPAs 134.12 120.00 1,411 132.34 178
Net Charge-offs/ Avg Loans 0.32 0.48 (17) 0.45 (13)
Regulatory Capital Ratios (%)
2013 Q1 2012 Q1 Y-Y
Ch (bp) 		2012 Q4 Q-Q
Ch (bp)
Tier 1 Capital Ratio 13.63 14.85 (122) 13.60 3
  † 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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