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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)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves11,222,0389,982,68612.4210,956,8369.68
Loans Held for Sale, before Reserves09,085NM00.00
Loan Loss Reserve161,532168,032(3.87)161,5320.00
Net Loans Receivable11,060,5069,823,73912.5910,795,3049.83
Intangible AssetsNA129,952NA147,410NA
Total Assets22,837,12022,227,2082.7423,072,036(4.07)
Deposits19,237,33418,514,8673.9019,047,3483.99
Debt, Senior and Subordinated1,032,2661,229,641(16.05)1,453,868(115.99)
Common Equity2,270,3792,175,1454.382,210,64210.81
Total Shareholders' Equity2,273,5112,179,1914.332,214,39710.68
Shares Outstanding (actual)95,722,65595,275,9900.4795,881,165(0.66)
Income Statement ($000)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income153,066150,3431.81154,865(4.65)
Provision for Loan Losses9,6603,285194.065,543297.10
Noninterest Income102,62799,8772.75109,522(25.18)
Noninterest Expense162,340155,0374.71161,3182.53
Net Income Before Taxes93,73089,7334.4596,184(10.21)
Provision for Taxes29,60928,9252.3630,359(9.88)
Net Income64,12160,8085.4565,825(10.35)
Per Share Items ($)
2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share23.7222.833.8923.0611.49
Tangible Book ValueNA21.47NA21.52NA
Diluted EPS Before Extra0.670.636.350.69(11.59)
Diluted EPS After Extra0.670.636.350.69(11.59)
Dividends Declared0.22500.21435.000.214320.00
Performance Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA1.161.1331.18(2)
ROAE11.5611.381811.81(25)
Net Interest Margin3.033.07(4)3.06(3)
Loans / Deposits58.3353.9244257.5281
Efficiency Ratio63.2861.7615260.81247
Balance Sheet Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA9.27NA9.02NA
Equity/ Assets9.969.80159.6036
Asset Quality Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.240.27(3)0.240
Loan Loss Reserves/ Gross Loans1.441.68(24)1.47(3)
Loan Loss Reserves/ NPAsNA134.12NA141.37NA
Net Charge-offs/ Avg Loans0.350.3230.287
Regulatory Capital Ratios (%)
2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.63NA14.06NA
   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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