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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)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,412,73612,436,6927.8513,230,2415.52
Loans Held for Sale, before Reserves14,4567,60790.049,511207.97
Loan Loss Reserve155,932151,5322.90154,5323.62
Net Loans Receivable13,271,26012,292,7677.9613,085,2205.69
Intangible Assets142,762143,952(0.83)143,009(0.69)
Total Assets25,641,42424,604,9624.2124,734,46814.67
Deposits21,101,09519,978,8535.6220,166,16018.54
Debt, Senior and Subordinated1,825,9542,067,370(11.68)1,591,30658.98
Common Equity2,350,9992,217,2066.032,410,637(9.90)
Total Shareholders' Equity2,501,1322,367,4185.652,560,813(9.32)
Shares Outstanding (actual)101,460,962102,237,902(0.76)101,597,576(0.54)
Income Statement ($000)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income173,202162,4876.59171,2434.58
Provision for Loan Losses10,4009,18613.227,263172.77
Noninterest Income119,479116,0422.96119,3190.54
Noninterest Expense181,261175,7773.12181,2420.04
Net Income Before Taxes104,67192,08613.67100,09218.30
Provision for Taxes32,29727,66116.7630,94217.52
Net Income72,37464,42512.3469,15018.65
Per Share Items ($)
2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share23.1721.696.8523.73(9.37)
Tangible Book Value21.7620.287.3322.32(9.95)
Diluted EPS Before Extra0.680.6013.330.6520.00
Diluted EPS After Extra0.680.6013.330.6520.00
Dividends Declared0.21430.21430.000.21430.00
Performance Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.141.0591.122
ROAE11.3610.805610.8551
Net Interest Margin3.032.9493.08(5)
Loans / Deposits63.5662.2513165.61(204)
Efficiency Ratio61.8262.97(115)62.25(43)
Balance Sheet Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.259.09169.83(58)
Equity/ Assets9.759.621310.35(60)
Asset Quality Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.060.12(6)0.07(1)
Loan Loss Reserves/ Gross Loans1.161.22(6)1.17(1)
Loan Loss Reserves/ NPAsNA222.41NA233.89NA
Net Charge-offs/ Avg Loans0.270.30(3)0.207
Regulatory Capital Ratios (%)
2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.33NA12.44NA
   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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