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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 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves11,721,96011,194,4584.7111,469,2388.81
Loans Held for Sale, before Reserves2,7700NM0NM
Loan Loss Reserve153,532161,532(4.95)156,532(7.67)
Net Loans Receivable11,571,19811,032,9264.8811,312,7069.14
Intangible AssetsNA146,889NA145,493NA
Total Assets24,049,48322,809,5405.4423,994,2800.92
Deposits19,576,49919,209,7541.9119,475,7782.07
Debt, Senior and Subordinated1,714,3171,032,26666.071,966,576(51.31)
Common Equity2,255,8302,270,379(0.64)2,185,40912.89
Total Shareholders' Equity2,405,4072,273,5115.802,334,24612.19
Shares Outstanding (actual)96,541,799100,508,788(3.95)96,327,4590.89
Income Statement ($000)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income146,138153,066(4.53)151,929(15.25)
Provision for Loan Losses4,4209,660(54.24)4,664(20.93)
Noninterest Income106,426102,6273.70112,302(20.93)
Noninterest Expense163,697161,9621.07168,287(10.91)
Net Income Before Taxes90,48294,108(3.85)93,230(11.79)
Provision for Taxes28,46829,987(5.07)29,488(13.84)
Net Income62,01464,121(3.29)63,742(10.84)
Per Share Items ($)
2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share23.3722.593.4422.6911.97
Tangible Book ValueNA21.13NA21.18NA
Diluted EPS Before Extra0.610.64(4.40)0.62(6.45)
Diluted EPS After Extra0.610.64(4.40)0.62(6.45)
Dividends Declared0.22500.21435.000.214320.00
Performance Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA1.051.16(11)1.08(3)
ROAE10.4411.36(93)10.95(51)
Net Interest Margin2.763.03(27)2.88(12)
Loans / Deposits59.8858.2716058.8999
Efficiency Ratio64.6363.1315064.1548
Balance Sheet Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA9.38NA9.18NA
Equity/ Assets10.009.9739.7327
Asset Quality Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.170.24(7)0.19(2)
Loan Loss Reserves/ Gross Loans1.311.44(13)1.36(6)
Loan Loss Reserves/ NPAsNA140.13NA180.83NA
Net Charge-offs/ Avg Loans0.260.35(9)0.34(8)
Regulatory Capital Ratios (%)
2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.98NA13.74NA
   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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