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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)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,572,50912,697,8706.8913,412,7364.76
Loans Held for Sale, before Reserves15,55960,078(74.10)14,45630.52
Loan Loss Reserve157,832152,1323.75155,9324.87
Net Loans Receivable13,430,23612,605,8166.5413,271,2604.79
Intangible AssetsNA143,617NA142,762NA
Total Assets25,308,17124,506,9523.2725,641,424(5.20)
Deposits21,091,85320,686,3091.9621,101,095(0.18)
Debt, Senior and Subordinated1,423,1241,061,19434.111,825,954(88.25)
Common Equity2,413,9192,297,2445.082,350,99910.71
Total Shareholders' Equity2,563,5652,447,2824.752,501,1329.98
Shares Outstanding (actual)101,668,824101,539,9200.13101,638,3350.12
Income Statement ($000)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income178,273163,7758.85173,20211.71
Provision for Loan Losses11,1289,43917.8910,40028.00
Noninterest Income117,066115,7241.16119,479(8.08)
Noninterest Expense186,830177,4735.27181,26112.29
Net Income Before Taxes96,60994,8921.81104,671(30.81)
Provision for Taxes24,90729,370(15.20)32,297(91.53)
Net Income71,70265,5229.4372,374(3.71)
Per Share Items ($)
2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share23.7422.624.9523.1310.58
Tangible Book ValueNA21.21NA21.73NA
Diluted EPS Before Extra0.680.629.850.680.00
Diluted EPS After Extra0.680.629.850.680.00
Dividends Declared0.22500.21435.000.214320.00
Performance Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA1.151.0781.141
ROAE11.3010.874411.36(6)
Net Interest Margin3.142.95193.0311
Loans / Deposits64.3561.3829763.5679
Efficiency Ratio63.1462.625261.82132
Balance Sheet Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA9.46NA9.25NA
Equity/ Assets10.139.99149.7538
Asset Quality Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.060.13(7)0.060
Loan Loss Reserves/ Gross Loans1.161.19(3)1.160
Loan Loss Reserves/ NPAsNA184.66NA240.27NA
Net Charge-offs/ Avg Loans0.270.28(1)0.270
Regulatory Capital Ratios (%)
2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.32NA12.38NA
   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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