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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 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,230,24112,224,2748.2313,091,8884.23
Loans Held for Sale, before Reserves9,5114,143129.5733,254(285.60)
Loan Loss Reserve154,532151,5321.98153,8321.82
Net Loans Receivable13,085,22012,076,8858.3512,971,3103.51
Intangible Assets143,009144,286(0.89)143,291(0.79)
Total Assets24,734,46823,967,6483.2024,709,6930.40
Deposits20,166,16018,986,7606.2120,150,0470.32
Debt, Senior and Subordinated1,591,3062,297,028(30.72)1,736,150(33.37)
Common Equity2,410,6372,220,5218.562,377,1325.64
Total Shareholders' Equity2,560,8132,371,0438.002,526,8215.38
Shares Outstanding (actual)101,597,576102,386,894(0.77)101,564,7890.13
Income Statement ($000)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Net Interest Income171,243162,0385.68171,829(1.36)
Provision for Loan Losses7,2638,364(13.16)9,216(84.77)
Noninterest Income119,319111,2887.22116,5709.43
Noninterest Expense181,242171,4025.74177,0899.38
Net Income Before Taxes100,09293,1827.42101,350(4.96)
Provision for Taxes30,94227,96910.6331,542(7.61)
Net Income69,15065,2136.0469,808(3.77)
Per Share Items ($)
2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Book Value per Share23.7321.699.4123.415.51
Tangible Book Value22.3220.2810.0721.995.92
Diluted EPS Before Extra0.650.608.180.67(11.43)
Diluted EPS After Extra0.650.608.180.67(11.43)
Dividends Declared0.21430.20415.000.21430.00
Performance Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
ROAA1.121.0931.15(3)
ROAE10.8511.13(28)11.29(44)
Net Interest Margin3.083.0083.11(3)
Loans / Deposits65.6164.3812264.9763
Efficiency Ratio62.2562.55(30)61.2798
Balance Sheet Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.839.35489.7013
Equity/ Assets10.359.894610.2313
Asset Quality Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.070.12(5)0.11(4)
Loan Loss Reserves/ Gross Loans1.171.24(7)1.170
Loan Loss Reserves/ NPAs233.89259.32(2,543)211.302,259
Net Charge-offs/ Avg Loans0.200.28(8)0.23(3)
Regulatory Capital Ratios (%)
2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio12.4412.37712.2915
   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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