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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 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves12,436,69211,469,2388.4412,224,2746.95
Loans Held for Sale, before Reserves7,6070NM4,143334.44
Loan Loss Reserve151,532156,532(3.19)151,5320.00
Net Loans Receivable12,292,76711,312,7068.6612,076,8857.15
Intangible Assets143,952145,493(1.06)144,286(0.93)
Total Assets24,604,96223,994,2802.5523,967,64810.64
Deposits19,978,85319,475,7782.5818,986,76020.90
Debt, Senior and Subordinated2,067,3701,966,5765.132,297,028(39.99)
Common Equity2,217,2062,185,4091.452,220,521(0.60)
Total Shareholders' Equity2,367,4182,334,2461.422,371,043(0.61)
Shares Outstanding (actual)97,226,000101,143,832(3.87)97,511,328(1.17)
Income Statement ($000)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Net Interest Income162,487151,9296.95162,0381.11
Provision for Loan Losses9,1864,66496.968,36439.31
Noninterest Income115,889112,3023.19111,14817.06
Noninterest Expense175,624168,2874.36171,26210.19
Net Income Before Taxes92,08693,230(1.23)93,182(4.70)
Provision for Taxes27,66129,488(6.20)27,969(4.40)
Net Income64,42563,7421.0765,213(4.83)
Per Share Items ($)
2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Book Value per Share22.8021.615.5422.770.57
Tangible Book Value21.3220.175.7321.290.60
Diluted EPS Before Extra0.630.605.000.630.91
Diluted EPS After Extra0.630.605.000.630.91
Dividends Declared0.22500.204110.250.214320.00
Performance Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
ROAA1.051.08(3)1.09(4)
ROAE10.8010.95(15)11.13(33)
Net Interest Margin2.942.8863.00(6)
Loans / Deposits62.2558.8933664.38(213)
Efficiency Ratio62.9564.15(120)62.5342
Balance Sheet Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.099.18(9)9.35(26)
Equity/ Assets9.629.73(11)9.89(27)
Asset Quality Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.120.19(7)0.120
Loan Loss Reserves/ Gross Loans1.221.36(15)1.24(2)
Loan Loss Reserves/ NPAsNA180.83NA259.32NA
Net Charge-offs/ Avg Loans0.300.34(4)0.282
Regulatory Capital Ratios (%)
2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.74NANANA
   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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