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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 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves12,697,87011,721,9608.3312,436,6928.40
Loans Held for Sale, before Reserves60,0782,7702,068.887,6072,759.09
Loan Loss Reserve152,132153,532(0.91)151,5321.58
Net Loans Receivable12,605,81611,571,1988.9412,292,76710.19
Intangible Assets143,617145,070(1.00)143,952(0.93)
Total Assets24,506,95224,049,4831.9024,604,962(1.59)
Deposits20,686,30919,576,4995.6719,978,85314.16
Debt, Senior and Subordinated1,061,1941,714,317(38.10)2,067,370(194.68)
Common Equity2,297,2442,255,8301.842,217,20614.44
Total Shareholders' Equity2,447,2822,405,4071.742,367,41813.49
Shares Outstanding (actual)96,704,686101,368,889(4.60)97,369,430(2.73)
Income Statement ($000)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income163,775146,13812.07162,4873.17
Provision for Loan Losses9,4394,420113.559,18611.02
Noninterest Income115,724106,5748.59116,042(1.10)
Noninterest Expense177,473163,8458.32175,7773.86
Net Income Before Taxes94,89290,4824.8792,08612.19
Provision for Taxes29,37028,4683.1727,66124.71
Net Income65,52262,0145.6664,4256.81
Per Share Items ($)
2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share23.7622.256.7522.7717.29
Tangible Book Value22.2720.826.9521.2918.36
Diluted EPS Before Extra0.650.5811.890.6312.70
Diluted EPS After Extra0.650.5811.890.6312.70
Dividends Declared0.22500.21435.000.22500.00
Performance Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA1.071.0521.052
ROAE10.8710.444310.807
Net Interest Margin2.952.76192.941
Loans / Deposits61.3859.8815162.25(87)
Efficiency Ratio62.6264.63(201)62.95(33)
Balance Sheet Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.469.4609.0937
Equity/ Assets9.9910.00(2)9.6236
Asset Quality Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.130.17(4)0.121
Loan Loss Reserves/ Gross Loans1.191.31(12)1.22(3)
Loan Loss Reserves/ NPAs184.66183.26140222.41(3,774)
Net Charge-offs/ Avg Loans0.280.2620.30(2)
Regulatory Capital Ratios (%)
2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.96NANANA
   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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