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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 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves11,469,23810,956,8364.6811,445,7150.82
Loans Held for Sale, before Reserves000.0000.00
Loan Loss Reserve156,532161,532(3.10)161,532(12.38)
Net Loans Receivable11,312,70610,795,3044.7911,284,1831.01
Intangible AssetsNA147,410NA145,915NA
Total Assets23,994,28023,072,0364.0022,701,54522.78
Deposits19,475,77819,047,3482.2518,586,63819.14
Debt, Senior and Subordinated1,966,5761,453,86835.271,500,237124.34
Common Equity2,185,4092,210,642(1.14)2,141,0478.29
Total Shareholders' Equity2,334,2462,214,3975.412,288,8697.93
Shares Outstanding (actual)96,327,459100,675,223(4.32)96,271,3270.23
Income Statement ($000)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income151,929154,865(1.90)154,716(7.21)
Provision for Loan Losses4,6645,543(15.86)7,652(156.19)
Noninterest Income112,302109,5222.54110,1867.68
Noninterest Expense168,618161,3184.53161,88016.65
Net Income Before Taxes92,89996,184(3.42)100,159(28.99)
Provision for Taxes29,15730,359(3.96)31,138(25.45)
Net Income63,74265,825(3.16)69,021(30.59)
Per Share Items ($)
2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share22.6921.963.3222.248.05
Tangible Book ValueNA20.49NA20.72NA
Diluted EPS Before Extra0.620.65(4.62)0.69(38.33)
Diluted EPS After Extra0.620.65(4.62)0.69(38.33)
Dividends Declared0.21430.20415.000.21430.00
Performance Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA1.081.18(10)1.20(12)
ROAE10.9511.89(95)12.07(113)
Net Interest Margin2.883.06(18)2.99(11)
Loans / Deposits58.8957.5213761.58(269)
Efficiency Ratio64.2760.8134660.56371
Balance Sheet Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA9.02NA9.50NA
Equity/ Assets9.739.601310.08(35)
Asset Quality Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.190.24(5)0.23(4)
Loan Loss Reserves/ Gross Loans1.361.47(11)1.41(5)
Loan Loss Reserves/ NPAsNA141.37NA156.65NA
Net Charge-offs/ Avg Loans0.340.2860.277
Regulatory Capital Ratios (%)
2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA14.06NA13.80NA
   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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