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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 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves11,486,67410,370,15510.7711,222,0389.43
Loans Held for Sale, before Reserves08,941NM00.00
Loan Loss Reserve161,532166,032(2.71)161,5320.00
Net Loans Receivable11,325,14210,213,06410.8911,060,5069.57
Intangible AssetsNA129,500NA146,889NA
Total Assets23,031,81421,910,3515.1222,837,1203.41
Deposits18,966,47117,896,9385.9819,237,334(5.63)
Debt, Senior and Subordinated1,259,4191,723,460(26.92)1,032,26688.02
Common Equity2,114,9592,102,8270.582,270,379(27.38)
Total Shareholders' Equity2,262,1532,106,7877.372,273,511(2.00)
Shares Outstanding (actual)91,609,36395,207,651(3.78)95,722,655(17.19)
Income Statement ($000)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income160,493159,4580.65153,06619.41
Provision for Loan Losses7,5557,3792.399,660(87.16)
Noninterest Income108,763102,6765.93102,62723.92
Noninterest Expense162,931156,9663.80162,3401.46
Net Income Before Taxes96,21296,221(0.01)93,73010.59
Provision for Taxes30,31230,1820.4329,6099.50
Net Income65,90066,039(0.21)64,12111.10
Per Share Items ($)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share23.0922.094.5323.72(10.65)
Tangible Book ValueNA20.73NA22.18NA
Diluted EPS Before Extra0.700.692.080.6717.91
Diluted EPS After Extra0.700.692.080.6717.91
Dividends Declared0.22500.21435.000.22500.00
Performance Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA1.181.20(2)1.162
ROAE11.6912.07(38)11.5613
Net Interest Margin3.133.21(8)3.0310
Loans / Deposits60.5657.9426258.33223
Efficiency Ratio60.3059.735763.28(298)
Balance Sheet Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA9.08NA9.37NA
Equity/ Assets9.829.62219.96(13)
Asset Quality Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.220.24(2)0.24(2)
Loan Loss Reserves/ Gross Loans1.411.60(19)1.44(3)
Loan Loss Reserves/ NPAsNA139.70NA140.13NA
Net Charge-offs/ Avg Loans0.270.37(10)0.35(8)
Regulatory Capital Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.58NA13.98NA
   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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