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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 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,091,88811,928,4819.7512,697,87012.41
Loans Held for Sale, before Reserves33,2547,852323.5160,078(178.59)
Loan Loss Reserve153,832151,5321.52152,1324.47
Net Loans Receivable12,971,31011,784,80110.0712,605,81611.60
Intangible Assets143,291144,657(0.94)143,617(0.91)
Total Assets24,709,69323,705,9354.2324,506,9523.31
Deposits20,150,04719,288,7094.4720,686,309(10.37)
Debt, Senior and Subordinated1,736,1501,769,886(1.91)1,061,194254.41
Common Equity2,377,1322,165,1379.792,297,24413.91
Total Shareholders' Equity2,526,8212,315,3609.132,447,28213.00
Shares Outstanding (actual)96,728,37097,999,567(1.30)96,704,6860.10
Income Statement ($000)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income171,829163,6574.99163,77519.67
Provision for Loan Losses9,2166,75736.399,439(9.45)
Noninterest Income116,570114,2352.04115,7242.92
Noninterest Expense177,089165,4637.03177,473(0.87)
Net Income Before Taxes101,350107,815(6.00)94,89227.22
Provision for Taxes31,54232,492(2.92)29,37029.58
Net Income69,80875,323(7.32)65,52226.17
Per Share Items ($)
2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per Share24.5822.0911.2323.7613.81
Tangible Book Value23.0920.6212.0122.2714.80
Diluted EPS Before Extra0.700.72(2.78)0.6530.77
Diluted EPS After Extra0.700.72(2.78)0.6530.77
Dividends Declared0.22500.21435.000.22500.00
Performance Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA1.151.26(11)1.078
ROAE11.2912.63(134)10.8743
Net Interest Margin3.113.0472.9516
Loans / Deposits64.9761.8431361.38359
Efficiency Ratio61.2759.3918862.62(135)
Balance Sheet Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.709.21499.4625
Equity/ Assets10.239.77469.9924
Asset Quality Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.110.13(2)0.13(2)
Loan Loss Reserves/ Gross Loans1.171.27(10)1.19(2)
Loan Loss Reserves/ NPAs211.30253.56(4,226)184.662,664
Net Charge-offs/ Avg Loans0.230.30(7)0.28(5)
Regulatory Capital Ratios (%)
2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   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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