Financial Highlights | Commerce Bank

Financial Highlights

COMMERCE BANCSHARES, INC. (NASDAQ - CBSH)

Trend Analysis--Quarterly (click here for Annual Analysis)

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Balance Sheet ($000)
	2016 Q2	2015 Q2	Y-Y Ch (%)	2016 Q1	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	13,091,888	11,928,481	9.75	12,697,870	12.41
Loans Held for Sale, before Reserves	33,254	7,852	323.51	60,078	(178.59)
Loan Loss Reserve	153,832	151,532	1.52	152,132	4.47
Net Loans Receivable	12,971,310	11,784,801	10.07	12,605,816	11.60
Intangible Assets	143,291	144,657	(0.94)	143,617	(0.91)
Total Assets	24,709,693	23,705,935	4.23	24,506,952	3.31
Deposits	20,150,047	19,288,709	4.47	20,686,309	(10.37)
Debt, Senior and Subordinated	1,736,150	1,769,886	(1.91)	1,061,194	254.41
Common Equity	2,377,132	2,165,137	9.79	2,297,244	13.91
Total Shareholders' Equity	2,526,821	2,315,360	9.13	2,447,282	13.00
Shares Outstanding (actual)	96,728,370	97,999,567	(1.30)	96,704,686	0.10

Income Statement ($000)
	2016 Q2	2015 Q2	Y-Y Ch (%)	2016 Q1	Q-Q Ch (%)^†
Net Interest Income	171,829	163,657	4.99	163,775	19.67
Provision for Loan Losses	9,216	6,757	36.39	9,439	(9.45)
Noninterest Income	116,570	114,235	2.04	115,724	2.92
Noninterest Expense	177,089	165,463	7.03	177,473	(0.87)
Net Income Before Taxes	101,350	107,815	(6.00)	94,892	27.22
Provision for Taxes	31,542	32,492	(2.92)	29,370	29.58
Net Income	69,808	75,323	(7.32)	65,522	26.17

Per Share Items ($)
	2016 Q2	2015 Q2	Y-Y Ch (%)	2016 Q1	Q-Q Ch (%)^†
Book Value per Share	24.58	22.09	11.23	23.76	13.81
Tangible Book Value	23.09	20.62	12.01	22.27	14.80
Diluted EPS Before Extra	0.70	0.72	(2.78)	0.65	30.77
Diluted EPS After Extra	0.70	0.72	(2.78)	0.65	30.77
Dividends Declared	0.2250	0.2143	5.00	0.2250	0.00

Performance Ratios (%)
	2016 Q2	2015 Q2	Y-Y Ch (bp)	2016 Q1	Q-Q Ch (bp)
ROAA	1.15	1.26	(11)	1.07	8
ROAE	11.29	12.63	(134)	10.87	43
Net Interest Margin	3.11	3.04	7	2.95	16
Loans / Deposits	64.97	61.84	313	61.38	359
Efficiency Ratio	61.27	59.39	188	62.62	(135)

Balance Sheet Ratios (%)
	2016 Q2	2015 Q2	Y-Y Ch (bp)	2016 Q1	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	9.70	9.21	49	9.46	25
Equity/ Assets	10.23	9.77	46	9.99	24
Asset Quality Ratios (%)
	2016 Q2	2015 Q2	Y-Y Ch (bp)	2016 Q1	Q-Q Ch (bp)
Nonperforming Assets/ Assets	0.11	0.13	(2)	0.13	(2)
Loan Loss Reserves/ Gross Loans	1.17	1.27	(10)	1.19	(2)
Loan Loss Reserves/ NPAs	211.30	253.56	(4,226)	184.66	2,664
Net Charge-offs/ Avg Loans	0.23	0.30	(7)	0.28	(5)

Regulatory Capital Ratios (%)
	2016 Q2	2015 Q2	Y-Y Ch (bp)	2016 Q1	Q-Q Ch (bp)
Tier 1 Capital Ratio	NA	NA	NA	NA	NA

^† 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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