Commerce Bancshares, Inc
(NASDAQ:CBSH)

Commerce Bancshares, Inc. operates as the bank holding company for Commerce Bank that provides retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses in the United States. It operates through three segments: Consumer, Commerci...

Website: http://www.commercebank.com

Founded: 1865

Full Time Employees: 4,825

Sector: Financial Services

Industry: Banks-Regional

Financial Services

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At a glance:

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Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31

interest income
interest and fees on loans	257,998,000	263,855,000	260,444,000	254,194,000	260,545,000	270,086,000	267,463,000	264,677,000	263,012,000	256,242,000	241,327,000	223,816,000	200,420,000	171,272,000	142,526,000	132,075,000	136,740,000	142,887,000	144,584,000	146,338,000	150,572,000	150,808,000	151,545,000	159,147,000	161,238,000	167,959,000	167,709,000	166,432,000	164,751,000	159,182,000	154,135,000	147,015,000	142,402,000	138,827,000	134,273,000	128,323,000	125,722,000	123,750,000	121,151,000	119,333,000	116,957,000	114,954,000	113,467,000	111,286,000	112,271,000	112,688,000	111,496,000	110,702,000	112,691,000	110,587,000	108,018,000	107,786,000	110,704,000	111,619,000	112,252,000	111,756,000
interest and fees on loans held for sale	24,750	36,000	40,000	23,000	31,250	39,000	46,000	40,000	112,000	152,000	151,000	145,000	117,500	159,000	161,000	150,000	184,000	187,000	245,000	304,000	147,000	264,000	127,000	197,000	250,750	308,000	361,000	334,000	247,750	315,000	372,000	304,000	186,500	287,000	263,000	196,000	290,250	334,000	692,000	135,000	27,000	48,000	39,000	21,000					44,000		91,000	85,000	69,500	85,000	88,000	105,000
interest on investment securities	79,262,000	74,469,000	79,998,000	76,452,000	72,376,000	62,694,000	70,776,000	65,928,000	64,664,000	69,245,000	73,727,000	71,119,000	72,566,000	79,586,000	88,635,000	73,105,000	65,674,000	63,904,000	55,143,000	51,557,000	52,402,000	60,534,000	50,472,000	53,385,000	58,800,000	58,607,000	64,658,000	55,422,000	61,589,000	59,792,000	65,564,000	53,242,000	53,864,000	50,585,000	54,975,000	55,265,000	51,934,000	51,661,000	54,698,000	48,891,000	49,385,000	50,716,000	53,264,000	38,436,000	43,633,000	46,338,000	53,016,000	45,019,000	44,867,000	46,356,000	53,233,000	44,959,000	53,850,000	46,513,000	57,561,000	53,758,000
interest on federal funds sold			2,000	29,000	12,000		27,000	10,000	20,000	45,000	105,000	489,000	298,000	94,000	19,000	1,000	1,000	1,000
interest on securities purchased under agreements to resell	8,578,000	8,578,000	8,516,000	7,418,000	5,088,000	4,215,000	2,421,000	1,634,000	1,858,000	3,740,000	4,099,000	3,952,000	6,978,000	5,984,000	4,385,000	5,300,000	6,826,000	9,007,000
interest on deposits with banks	27,747,000	27,167,000	22,636,000	26,249,000	31,344,000	35,034,000	28,630,000	26,432,000	32,920,000	31,738,000	29,254,000	9,336,000	5,948,000	5,571,000	2,428,000	1,151,000	1,094,000	995,000	743,000	370,000	277,000	261,000	443,000	1,292,000	1,585,000	1,241,000	1,986,000	1,886,000	2,025,000	1,478,000	1,590,000	1,140,000	802,000	662,000	362,000	397,000	284,000	268,000	151,000	270,000	124,000	103,000	122,000	179,000	296,000	71,000	88,000	100,000	164,000	71,000	75,000	77,000	132,000	40,000	112,000	55,000
total interest income	373,617,000	374,105,000	371,636,000	364,365,000	369,405,000	372,068,000	369,363,000	358,721,000	362,609,000	361,162,000	348,663,000	308,857,000	286,377,000	262,666,000	238,154,000	211,782,000	210,479,000	216,981,000	211,133,000	209,697,000	214,726,000	223,114,000	213,323,000	221,485,000	226,665,000	231,743,000	238,412,000	227,865,000	232,832,000	224,751,000	225,623,000	205,995,000	201,572,000	194,244,000	193,594,000	187,997,000	181,498,000	179,361,000	180,065,000	172,128,000	169,742,000	169,115,000	170,577,000	152,982,000	158,916,000	161,811,000	167,567,000	159,998,000	162,141,000	162,144,000	167,255,000	158,745,000	170,185,000	163,194,000	174,624,000	169,966,000
interest expense
interest on deposits:
savings, interest checking and money market	52,713,000	53,357,000	51,835,000	52,403,000	56,290,000	58,177,000	56,829,000	55,580,000	52,400,000	43,795,000	30,046,000	20,151,000	13,516,000	7,545,000	2,278,000	1,760,000	1,745,000	1,817,000	1,844,000	2,103,000	2,359,000	3,206,000	3,977,000	8,309,000	9,631,000	10,225,000	10,254,000	9,602,000	8,465,000	7,230,000	6,519,000	5,589,000	4,636,000	4,441,000	4,342,000	3,890,000	3,715,000	3,619,000	3,548,000	3,484,000	3,423,000	3,356,000	3,287,000	3,308,000	3,458,000	3,400,000	3,358,000	3,306,000	3,554,000	3,502,000	3,375,000	3,924,000	4,344,000	4,623,000	4,634,000	5,081,000
certificates of deposit of less than 100,000	8,318,000	8,337,000	8,445,000	8,932,000	10,439,000	11,073,000	10,523,000	10,191,000	11,641,000	15,499,000	10,125,000	1,425,000	714,000	411,000	205,000	139,000	152,000	206,000	327,000	473,000	701,000	1,028,000	1,393,000	1,775,000	1,838,000	1,740,000	1,531,000	1,259,000
certificates of deposit of 100,000 and over	12,595,000	13,258,000	12,914,000	13,319,000	15,469,000	16,603,000	16,892,000	18,096,000	21,072,000	18,942,000	14,416,000	6,627,000	2,130,000	871,000	470,000	427,000	404,000	450,000	661,000	1,062,000	1,591,000	2,512,000	3,610,000	5,235,000	6,472,000	7,540,000	6,931,000	6,002,000
interest on federal funds purchased	1,290,000	1,428,000	1,416,000	1,384,000	1,441,000	2,792,000	3,569,000	4,419,000	6,449,000	6,833,000	6,397,000	5,586,000
interest on securities sold under agreements to repurchase	15,547,000	18,260,000	16,853,000	19,224,000	19,111,000	21,066,000	19,293,000	21,438,000	20,224,000	18,431,000	17,014,000	17,495,000
interest on other borrowings	2,000	8,000	26,000	1,000	8,000	6,000	8,000	-2,000	2,402,000	9,115,000	21,127,000	5,950,000	1,024,000	-425,000	-110,000	-19,000	-13,000	-9,000	-1,000	-1,000	-18,000		701,000	331,000	489,000	453,000	5,000	5,000	9,000	12,000	12,000	12,000	381,000	906,000	911,000	888,000	902,000	906,000	907,000	1,253,000	907,000	898,000	890,000	879,000	878,000	880,000	875,000	851,000	868,000	855,000	829,000	812,000	848,000	851,000	876,000	906,000
total interest expense	90,465,000	94,648,000	91,489,000	95,263,000	102,758,000	109,717,000	107,114,000	109,722,000	114,188,000	112,615,000	99,125,000	57,234,000	31,736,000	16,293,000	5,769,000	2,996,000	2,822,000	2,944,000	3,151,000	3,949,000	4,963,000	7,152,000	10,266,000	20,420,000	24,006,000	28,231,000	26,778,000	24,377,000	20,612,000	16,997,000	14,664,000	13,103,000	11,564,000	11,653,000	10,787,000	9,724,000	8,296,000	8,118,000	8,236,000	8,353,000	7,255,000	7,077,000	6,920,000	6,844,000	6,987,000	7,095,000	7,074,000	6,932,000	7,276,000	7,438,000	7,797,000	8,402,000	8,932,000	9,383,000	9,519,000	10,229,000
net interest income	283,152,000	279,457,000	280,147,000	269,102,000	266,647,000	262,351,000	262,249,000	248,999,000	248,421,000	248,547,000	249,538,000	251,623,000	254,641,000	246,373,000	232,385,000	208,786,000	207,657,000	214,037,000	207,982,000	205,748,000	209,763,000	215,962,000	203,057,000	201,065,000	202,659,000	203,512,000	211,634,000	203,488,000	212,220,000	207,754,000	210,959,000	192,892,000	190,008,000	182,591,000	182,807,000	178,273,000	173,202,000	171,243,000	171,829,000	163,775,000	162,487,000	162,038,000	163,657,000	146,138,000	151,929,000	154,716,000	160,493,000	153,066,000	154,865,000	154,706,000	159,458,000	150,343,000	161,253,000	153,811,000	165,105,000	159,737,000
provision for credit losses	15,993,000	20,061,000	5,597,000	14,487,000	13,508,000	9,140,000	5,468,000	4,787,000	5,879,000	11,645,000	6,471,000	11,456,000	15,477,000	15,290,000	7,162,000	-9,858,000	-7,054,000	-7,385,000	-45,655,000	-6,232,000	-4,403,000	3,101,000	80,539,000
net interest income after credit losses	267,159,000	259,396,000	274,550,000	254,615,000	253,139,000	253,211,000	256,781,000	244,212,000	242,542,000	236,902,000	243,067,000	240,167,000	239,164,000	231,083,000	225,223,000	218,644,000	214,711,000	221,422,000	253,637,000	211,980,000	214,166,000	212,861,000	122,518,000	143,112,000
non-interest income
trust fees	62,125,000	58,412,000	55,571,000	56,592,000	56,345,000	54,689,000	52,291,000	51,105,000	49,154,000	49,207,000	47,265,000	45,328,000	44,710,000	45,406,000	46,792,000	47,811,000	48,893,000	48,950,000	46,257,000	44,127,000	41,961,000	40,769,000	37,942,000	39,965,000	40,405,000	39,592,000	38,375,000	37,256,000	37,466,000	37,400,000	37,036,000	36,062,000	35,405,000	34,620,000	33,120,000	32,014,000	31,360,000	30,951,000	31,464,000	30,370,000	30,054,000	29,630,000	30,531,000	29,586,000	29,260,000	28,560,000	27,765,000	26,573,000	26,308,000	25,318,000	25,734,000	25,169,000	24,351,000	23,681,000	23,833,000	22,814,000
bank card transaction fees	46,761,000	45,551,000	46,362,000	45,593,000	47,807,000	47,570,000	47,477,000	46,930,000	47,878,000	46,899,000	49,725,000	46,654,000	44,588,000	45,638,000	43,873,000	42,045,000	44,773,000	42,815,000	42,608,000	37,695,000	39,979,000	37,873,000	33,745,000	40,200,000	41,079,000	44,510,000	42,646,000	39,644,000	44,481,000	42,427,000	43,215,000	41,453,000	47,717,000	44,521,000	44,999,000	43,204,000	45,338,000	47,006,000	45,065,000	44,470,000	46,320,000	44,635,000	45,672,000	42,299,000	44,843,000	44,802,000	44,444,000	41,717,000	43,486,000	43,891,000	40,700,000	38,550,000	41,542,000	39,488,000	38,434,000	34,733,000
deposit account charges and other fees	27,949,000	27,427,000	26,248,000	26,622,000	25,480,000	25,380,000	25,325,000	24,151,000	23,517,000	23,090,000	22,633,000	21,752,000	21,989,000	24,521,000	25,564,000	22,307,000	25,493,000	25,161,000	23,988,000	22,575,000	24,164,000	23,107,000	22,279,000	23,677,000	24,974,000	24,032,000	23,959,000	23,018,000	23,887,000	23,755,000	23,893,000	22,982,000	22,598,000	22,659,000	22,861,000	21,942,000	22,134,000	22,241,000	21,328,000	20,691,000	21,606,000	20,674,000	19,637,000	18,499,000	20,220,000	20,161,000	19,709,000	18,590,000	20,506,000	20,197,000	19,602,000	18,712,000	20,301,000	19,873,000	19,975,000	19,336,000
capital market fees	4,230,000	5,138,000	6,175,000	5,112,000	5,129,000	5,995,000	4,760,000	3,892,000	5,789,000	2,410,000	2,539,000	3,362,000	3,386,000	3,393,000	3,327,000	4,125,000	3,841,000	3,794,000	3,327,000	4,981,000	3,826,000	3,194,000	3,772,000	3,790,000	2,536,000	1,787,000	1,944,000	1,879,000	1,843,000	1,595,000	1,992,000	2,291,000	1,743,000	1,755,000	2,156,000	2,342,000	2,679,000	2,751,000	2,500,000	2,725,000	3,116,000	2,620,000	2,738,000	3,002,000	2,768,000	2,783,000	3,246,000	3,870,000	3,195,000	3,242,000	3,305,000	4,391,000	4,075,000	5,110,000	5,010,000	6,871,000
consumer brokerage services	5,185,000	6,698,000	5,383,000	4,785,000	4,636,000	4,619,000	4,478,000	4,408,000	3,641,000	3,820,000	4,677,000	5,085,000	4,518,000	5,085,000	5,068,000	4,446,000	4,878,000	4,900,000	4,503,000	4,081,000	3,996,000	4,011,000	3,011,000	4,077,000	4,139,000	4,030,000	3,888,000	3,747,000	4,184,000	3,884,000	3,971,000	3,768,000	3,576,000	3,679,000	3,726,000	3,649,000	3,409,000	3,375,000	3,491,000	3,509,000	3,101,000	3,547,000	3,364,000	3,188,000	3,189,000	3,098,000	2,972,000	2,747,000	2,596,000	2,871,000	2,853,000	2,686,000	2,619,000	2,441,000	2,576,000	2,526,000
loan fees and sales	3,594,000	3,465,000	3,419,000	3,404,000	2,874,000	3,444,000	3,431,000	3,141,000	2,875,000	2,966,000	2,735,000	2,589,000	2,566,000	3,094,000	3,246,000	4,235,000	5,248,000	6,842,000	7,446,000	10,184,000	9,031,000	9,769,000	4,649,000	3,235,000	3,465,000	4,755,000	4,238,000	3,309,000	3,053,000	3,579,000	3,229,000	2,862,000	3,099,000	3,590,000	4,091,000	3,168,000	2,583,000	3,123,000	3,196,000	2,510,000	2,101,000	1,855,000	2,183,000	2,089,000	1,321,000	1,367,000	1,211,000	1,209,000	1,525,000	1,553,000	1,314,000	1,473,000	1,412,000	1,358,000	1,706,000	1,561,000
other	16,364,000	14,820,000	22,455,000	16,841,000	13,165,000	17,328,000	14,482,000	15,221,000	12,025,000	14,557,000	18,031,000	12,842,000	15,068,000	11,377,000	11,557,000	6,800,000	14,573,000	5,044,000	11,014,000	12,402,000	12,160,000	10,849,000	12,117,000	8,719,000	26,863,000	14,037,000	12,209,000	12,387,000	18,173,000	11,074,000	11,514,000	10,272,000	10,074,000	11,418,000	12,131,000	10,747,000	11,976,000	9,872,000	9,526,000	14,749,000	9,591,000	8,187,000	9,967,000	7,763,000	10,701,000	11,515,000	9,416,000	7,921,000	11,906,000	9,239,000	9,168,000	8,896,000	9,009,000	8,971,000	9,282,000	6,742,000
total non-interest income	166,208,000	161,511,000	165,613,000	158,949,000	155,436,000	159,025,000	152,244,000	148,848,000	144,879,000	142,949,000	147,605,000	137,612,000	136,825,000	138,514,000	139,427,000	131,769,000	147,699,000	137,506,000	139,143,000	136,045,000	135,117,000	129,572,000	117,515,000	123,663,000	143,461,000	132,743,000	127,259,000	121,240,000	133,087,000	123,714,000	124,850,000	119,690,000	124,212,000	122,242,000	123,084,000	117,066,000	119,479,000	119,319,000	116,570,000	119,024,000	115,889,000	111,148,000	114,092,000	106,426,000	112,302,000	112,286,000	108,763,000	102,627,000	109,522,000	106,311,000	102,676,000	99,877,000	103,309,000	100,922,000	100,816,000	94,583,000
investment securities gains	2,929,000	7,885,000	437,000	-7,591,000	977,000	3,872,000	3,233,000	-259,000	7,601,000	4,298,000	3,392,000	-306,000	8,904,000	3,410,000	1,029,000	7,163,000	-9,706,000	13,108,000	16,804,000	9,853,000	12,307,000	16,155,000			-248,000	4,909,000	-110,000	-925,000	-7,129,000	4,306,000	-3,075,000	5,410,000			1,651,000	-772,000	3,651,000	-1,965,000	-744,000	-995,000	-1,480,000	-378,000	2,143,000	6,035,000	3,650,000	2,995,000	-2,558,000	10,037,000	-1,342,000	650,000	-1,568,000	-2,165,000	-3,728,000	3,180,000	1,336,000	4,040,000
non-interest expense
salaries and employee benefits	162,889,000	157,461,000	155,025,000	153,078,000	153,819,000	153,122,000	149,120,000	151,801,000	147,456,000	146,805,000	145,429,000	144,373,000	138,458,000	137,393,000	142,243,000	135,953,000	132,640,000	132,824,000	130,751,000	129,033,000	129,983,000	127,308,000	126,759,000	128,937,000	126,901,000	123,836,000	120,062,000	122,128,000	120,517,000	116,194,000	115,589,000	115,894,000	115,741,000	111,382,000	108,829,000	112,369,000	108,639,000	107,004,000	104,808,000	106,859,000	102,098,000	100,874,000	99,655,000	98,074,000	99,526,000	95,462,000	94,849,000	94,263,000	95,012,000	91,405,000	89,569,000	90,881,000	94,553,000	89,292,000	87,511,000	89,543,000
data processing and software	35,273,000	33,555,000	32,904,000	32,238,000	32,514,000	32,194,000	31,529,000	31,153,000	31,141,000	30,744,000	28,719,000	28,154,000	27,991,000	28,050,000	27,635,000	27,016,000	25,777,000	25,598,000	24,954,000	25,463,000	24,323,000	23,610,000	23,837,000	23,555,000	23,934,000	23,457,000	23,248,000	22,260,000	22,216,000	22,056,000	21,016,000	20,690,000	23,093,000	22,700,000	23,356,000	23,097,000	23,390,000	23,663,000	22,770,000	22,899,000	22,274,000	21,119,000	21,045,000	19,506,000	20,347,000	19,968,000	19,578,000	19,087,000	19,723,000	19,987,000	19,584,000	18,951,000	18,768,000	19,279,000	18,282,000	17,469,000
net occupancy	13,172,000	13,474,000	13,654,000	14,020,000	13,694,000	13,411,000	12,544,000	13,574,000	13,927,000	13,948,000	12,995,000	12,759,000	11,774,000	12,544,000	12,503,000	12,296,000	12,308,000	12,329,000	11,527,000	12,021,000	11,570,000	12,058,000	11,269,000	11,748,000	12,218,000	12,293,000	11,145,000	11,501,000	11,711,000	11,631,000	11,118,000	11,584,000	11,280,000	11,459,000	11,430,000	11,443,000	11,529,000	12,366,000	11,092,000	11,303,000	10,981,000	11,247,000	10,999,000	11,561,000	11,473,000	11,585,000	11,151,000	11,616,000	11,838,000	11,332,000	11,234,000	11,235,000	11,581,000	11,588,000	11,105,000	11,260,000
professional and other services	14,573,000	11,284,000	12,973,000	10,026,000	8,982,000	8,830,000
marketing	6,201,000	6,670,000	5,974,000	5,843,000	5,683,000	7,278,000	5,356,000	4,036,000	6,505,000	6,167,000	6,368,000	5,471,000	5,419,000	6,228,000	5,836,000	6,344,000	5,395,000	5,623,000	5,680,000	5,158,000	5,028,000	4,926,000	3,801,000	5,979,000	3,951,000	6,048,000	6,015,000	5,900,000	5,602,000	4,999,000	5,142,000	4,805,000	3,937,000	4,676,000	4,488,000	3,224,000	3,431,000	4,399,000	4,389,000	3,813,000	3,539,000	4,343,000	4,307,000	3,918,000	3,972,000	4,074,000	3,949,000	3,681,000	2,921,000	3,848,000	4,048,000	3,359,000	2,715,000	4,100,000	4,469,000	3,822,000
equipment	5,682,000	5,421,000	5,157,000	5,248,000	5,232,000	5,286,000	5,091,000	5,010,000	5,137,000	4,697,000	4,864,000	4,850,000	5,021,000	5,036,000	4,734,000	4,568,000	4,691,000	4,440,000	4,605,000	4,353,000	4,526,000	4,737,000	4,755,000	4,821,000	4,859,000	4,941,000	4,790,000	4,471,000	4,508,000	4,592,000	4,594,000	4,431,000	4,692,000	4,491,000	4,776,000	4,609,000	4,884,000	4,842,000	4,781,000	4,634,000	4,915,000	4,789,000	4,679,000	4,703,000	4,753,000	4,593,000	4,525,000	4,504,000	4,597,000	4,465,000	4,680,000	4,683,000	4,983,000	4,976,000	4,999,000	5,189,000
supplies and communication	4,841,000	4,837,000	4,962,000	5,046,000	4,948,000	4,963,000	4,636,000	4,744,000	5,242,000	4,963,000	4,625,000	4,590,000	4,446,000	4,581,000	4,361,000	4,713,000	4,430,000	4,530,000	4,033,000	4,125,000	4,193,000	4,141,000	4,427,000	4,658,000	4,851,000	5,106,000	5,275,000	5,162,000	5,095,000	5,103,000	5,126,000	5,313,000	6,118,000	5,517,000	5,446,000	5,709,000	5,645,000	5,968,000	5,693,000	6,829,000	6,554,000	5,609,000	5,226,000	5,581,000	5,945,000	5,302,000	5,486,000	5,699,000	5,676,000	5,449,000	5,797,000	5,589,000	5,641,000	5,400,000	5,667,000	5,613,000
deposit insurance	-81,000	3,074,000	3,312,000	3,744,000	3,181,000	2,930,000	2,354,000	8,017,000																	1,652,000	1,621,000	1,693,000	1,710,000	1,796,000	3,167,000	3,126,000	3,457,000	3,444,000	3,479,000	3,592,000	3,471,000	3,443,000	3,576,000	3,143,000	3,165,000	3,145,000	2,981,000	3,019,000	3,001,000	2,937,000	2,899,000	2,892,000	2,894,000	2,814,000	2,796,000	2,790,000	2,767,000	2,692,000	2,608,000	2,618,000	2,520,000
total non-interest expense	252,995,000	244,018,000	244,437,000	238,376,000	235,718,000	237,600,000	232,214,000	245,697,000	251,254,000	228,010,000	227,611,000	224,107,000	216,740,000	212,884,000	213,505,000	205,648,000	203,582,000	211,620,000	198,126,000	192,573,000	196,310,000	190,858,000	187,512,000	193,698,000	195,174,000	191,020,000	189,779,000	191,425,000	188,625,000	185,059,000	181,860,000	182,277,000	213,688,000	184,572,000	184,594,000	186,830,000	181,261,000	181,242,000	177,089,000	177,473,000	175,624,000	171,262,000	165,320,000	163,697,000	170,318,000	162,186,000	162,931,000	162,340,000	161,318,000	156,312,000	156,966,000	155,037,000	158,277,000	153,391,000	156,340,000	150,461,000
income before income taxes	183,301,000	184,774,000	196,163,000	167,597,000	173,834,000	178,508,000	180,044,000	147,104,000	143,768,000	156,139,000	166,453,000	153,366,000	168,153,000	160,123,000	152,174,000	151,928,000	149,122,000	160,416,000	211,458,000	165,305,000	165,280,000	167,730,000	48,392,000	59,776,000	135,492,000	139,181,000	137,198,000	119,915,000	137,297,000	140,716,000	140,831,000	125,319,000	115,087,000	106,520,000	112,190,000	96,609,000	104,671,000	100,092,000	101,350,000	94,892,000	92,086,000	93,182,000	107,815,000	90,482,000	92,899,000	100,159,000	96,212,000	93,730,000	96,184,000	101,209,000	96,221,000	89,733,000	94,231,000	98,941,000	105,702,000	99,734,000
less income taxes	40,620,000	41,152,000	42,400,000	36,964,000	36,590,000	38,245,000	38,602,000	31,652,000	32,307,000	33,439,000	35,990,000	32,813,000	34,499,000	33,936,000	32,021,000	31,902,000	33,764,000	34,662,000	45,209,000	32,076,000	33,084,000	34,375,000	9,661,000	10,173,000	28,214,000	29,101,000	28,899,000	22,860,000	26,537,000	26,647,000	29,507,000	23,258,000	20,104,000	32,294,000	33,201,000	24,907,000	32,297,000	30,942,000	31,542,000	29,370,000	27,661,000	27,969,000	32,492,000	28,468,000	29,157,000	31,138,000	30,312,000	29,609,000	30,359,000	32,764,000	30,182,000	28,925,000	27,628,000	32,155,000	34,466,000	32,920,000
net income	142,681,000	143,622,000	153,763,000	130,633,000	137,244,000	140,263,000	141,442,000	115,452,000	111,461,000	122,700,000	130,463,000	120,553,000	133,654,000	126,187,000	120,153,000	120,026,000	115,358,000	125,754,000	166,249,000	133,229,000	132,196,000	133,355,000	38,731,000	49,603,000	107,278,000	110,080,000	108,299,000	97,055,000	110,760,000	114,069,000	111,324,000	102,061,000	94,983,000	74,226,000	78,989,000	71,702,000	72,374,000	69,150,000	69,808,000	65,522,000	64,425,000	65,213,000	75,323,000	62,014,000	63,742,000	69,021,000	65,900,000	64,121,000	65,825,000	68,445,000	66,039,000	60,808,000	66,603,000	66,786,000	71,236,000	66,814,000
yoy	3.96%	2.39%	8.71%	13.15%	23.13%	14.31%	8.42%	-4.23%	-16.60%	-2.76%	8.58%	0.44%	15.86%	0.34%	-27.73%	-9.91%	-12.74%	-5.70%	329.24%	168.59%	23.23%	21.14%	-64.24%	-48.89%	-3.14%	-3.50%	-2.72%	-4.90%	16.61%	53.68%	40.94%	42.34%	31.24%	7.34%	13.15%	9.43%	12.34%	6.04%	-7.32%	5.66%	1.07%	-5.52%	14.30%	-3.29%	-3.16%	0.84%	-0.21%	5.45%	-1.17%	2.48%	-7.30%	-8.99%
qoq	-0.66%	-6.60%	17.71%	-4.82%	-2.15%	-0.83%	22.51%	3.58%	-9.16%	-5.95%	8.22%	-9.80%	5.92%	5.02%	0.11%	4.05%	-8.27%	-24.36%	24.78%	0.78%	-0.87%	244.31%	-21.92%	-53.76%	-2.55%	1.64%	11.59%	-12.37%	-2.90%	2.47%	9.08%	7.45%	27.96%	-6.03%	10.16%	-0.93%	4.66%	-0.94%	6.54%	1.70%	-1.21%	-13.42%	21.46%	-2.71%	-7.65%	4.74%	2.77%	-2.59%	-3.83%	3.64%	8.60%	-8.70%	-0.27%	-6.25%	6.62%
less non-controlling interest expense	2,019,000	2,104,000	1,284,000	-959,000	1,136,000	2,256,000	1,889,000	2,789,000	2,238,000	2,104,000	2,674,000	1,101,000	2,026,000	3,364,000	4,359,000	1,872,000	452,000	3,193,000	3,923,000	2,257,000	2,307,000	907,000	-1,132,000		398,000	838,000	328,000	-83,000	1,108,000	1,493,000	994,000	1,077,000	628,000	-338,000	29,000	198,000	795,000	605,000		148,000	715,000	601,000	970,000	959,000	1,017,000	836,000			-90,000	221,000	234,000		-188,000	780,000	503,000	1,015,000
net income attributable to commerce bancshares, inc.	140,662,000	141,518,000	152,479,000	131,592,000	136,108,000	138,007,000	139,553,000	112,663,000	109,223,000	120,596,000	127,789,000	119,452,000	131,628,000	122,823,000	115,794,000	118,154,000	114,906,000	122,561,000	162,326,000	130,972,000	129,889,000	132,448,000	39,863,000	51,857,000	106,880,000	109,242,000	107,971,000	97,138,000	109,652,000	112,576,000	110,330,000	100,984,000	94,355,000	74,564,000	78,960,000	71,504,000	71,579,000	68,545,000	69,893,000	65,374,000	63,710,000	64,612,000	74,353,000	61,055,000	62,725,000	68,185,000	66,531,000	64,313,000	65,915,000	68,224,000	65,805,000	61,017,000	66,791,000	66,006,000	70,733,000	65,799,000
net income per common share — basic	795	1,060	1,140	980	752.5	1,070	1,070	870	735	960	1,030	950	740	1,030	960	970	887.5	1,050	1,380	1,120	475	1,120	340	440	697.5	980	960	850	742.5	1,030	1,020	920	535	710	750	680	510	690	700	650	507.5	670	750	610	522.5	720	700	670	535	750	720	670	572.5	750	800	740
net income per common share — diluted	795	1,060	1,140	980	750	1,070	1,070	860	732.5	960	1,020	950	737.5	1,020	960	970	885	1,050	1,380	1,110	472.5	1,110	340	440	697.5	980	960	850	740	1,030	1,010	920	535	710	750	680	507.5	680	700	650	505	660	750	610	522.5	720	700	670	535	750	720	670	572.5	750	800	740
interest on federal funds purchased and securities sold under
agreements to repurchase													2,876,500	7,891,000	2,926,000	689,000	278,000	480,000	320,000	312,000	1,440,250	406,000	585,000	4,770,000	5,959,750	8,273,000	8,057,000	7,509,000	3,244,750	5,022,000	3,956,000	4,001,000	1,605,750	2,846,000	2,038,000	1,539,000	584,250	724,000	725,000	888,000	317,750	483,000	421,000	367,000	188,250	287,000	263,000	203,000	163,500	166,000	270,000	218,000	155,750	221,000	177,000	225,000
less preferred stock dividends																						7,466,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	2,250,000	1,800,000
net income available to common shareholders																	114,906,000	122,561,000	162,326,000	130,972,000	129,889,000	124,982,000	37,613,000	49,607,000	104,630,000	106,992,000	105,721,000	94,888,000	107,402,000	110,326,000	108,080,000	98,734,000	92,105,000	72,314,000	76,710,000	69,254,000	69,329,000	66,295,000	67,643,000	63,124,000	61,460,000	62,362,000	72,103,000	58,805,000	60,475,000	66,385,000	66,531,000
interest on federal funds sold and short-term securities purchased under
agreements to resell																			2,000		500			2,000	12,750	7,000	11,000	33,000	106,500	69,000	177,000	180,000	34,500	78,000	37,000	23,000	15,750	20,000	19,000	24,000	11,250	21,000	15,000	9,000	20,000	30,000	24,000	26,000	18,000	35,000	28,000	9,000	17,500	24,000	29,000	17,000
interest on long-term securities purchased under agreements to resell																			10,416,000	11,128,000	11,202,000	11,247,000	10,736,000	7,462,000	4,832,000	3,621,000	3,687,000	3,758,000	4,067,000	3,915,000	3,785,000	4,114,000	4,158,000	3,805,000	3,684,000	3,793,000	3,387,000	3,328,000	3,354,000	3,475,000	3,178,000	3,273,000	3,670,000	3,051,000	2,695,000	2,684,000	2,943,000	4,151,000	4,385,000	5,095,000	5,810,000	5,829,000	5,404,000	4,913,000	4,582,000	4,275,000
investment securities losses																							-4,129,000	-13,301,000									-539,500	-3,037,000
benefit from credit losses																								57,953,000
less non-controlling interest income																								-2,254,000															-85,000								-631,000	-192,000				-209,000
provision for loan losses																									15,206,000	10,963,000	11,806,000	12,463,000	12,256,000	9,999,000	10,043,000		8,147,500	10,704,000	10,758,000	11,128,000				9,439,000			6,757,000	4,420,000	4,664,000	7,652,000			3,702,500	4,146,000
net interest income after provision for loan losses																									187,453,000	192,549,000	199,828,000	191,025,000	199,964,000	197,755,000	200,916,000		127,770,250	171,887,000	172,049,000	167,145,000				154,336,000			156,900,000	141,718,000	147,265,000	147,064,000			112,424,250	150,560,000
community service																									438,000	564,000	641,000	803,000	480,000	580,000	656,000	729,000
time open and c.d.'s of less than 100,000																													547,500	834,000	694,000	662,000	498,500	676,000	674,000	644,000	533,500	683,000	709,000	742,000	621,000	786,000	818,000	880,000	798,250	1,010,000	1,063,000	1,120,000	1,196,250	1,380,000	1,656,000	1,749,000	1,513,750	1,945,000	2,004,000	2,106,000
time open and c.d.'s of 100,000 and over																													2,555,250	3,899,000	3,483,000	2,839,000	2,092,250	2,784,000	2,822,000	2,763,000	1,629,750	2,186,000	2,347,000	1,986,000	1,117,000	1,554,000	1,504,000	1,410,000	1,121,250	1,518,000	1,515,000	1,452,000	1,225,250	1,535,000	1,667,000	1,699,000	1,370,500	1,743,000	1,828,000	1,911,000
benefit from loan losses																																10,396,000					10,400,000	7,263,000	9,216,000		9,186,000	8,364,000					7,555,000	9,660,000			7,379,000	3,285,000	8,326,000	5,581,000	5,215,000	8,165,000
net interest income after benefit from loan losses																																182,496,000					162,802,000	163,980,000	162,613,000		153,301,000	153,674,000					152,938,000	143,406,000			152,079,000	147,058,000	152,927,000	148,230,000	159,890,000	151,572,000
change in fair value of other-than-temporarily impaired securities																																									-350,000	-568,000	-88,000	-227,000	-473,000	-770,000	-785,000	-63,000
portion recognized in other comprehensive income																																									350,000	568,000	-378,000	210,000	456,000	399,000	154,000	-283,000
net impairment losses recognized in earnings																																											-466,000	-17,000	-17,000	-371,000	-631,000	-346,000
realized gains on sales and fair value adjustments																																									-1,480,000	-378,000	2,609,000	6,052,000	3,667,000	3,366,000	-1,927,000	10,383,000	-1,318,000	980,000	-1,080,000	-1,723,000	-3,465,000	3,737,000	1,686,000	4,360,000
interest on short-term federal funds sold and securities purchased under
impairment (losses) reversals on debt securities																																																	127,000	-588,000	-293,000		2,894,750	5,989,000	3,000
noncredit-related losses (reversals) on securities not expected to be sold																																																	-442,000	258,000			-3,201,500	-6,546,000	-353,000
net impairment losses																																																	-315,000	-330,000	-488,000	-442,000	-263,000	-557,000	-350,000	-320,000
noncredit-related reversals on securities not expected to be sold																																																			-195,000	-1,831,000				-5,907,000
impairment reversals on debt securities																																																				1,389,000				5,587,000
visa litigation																																																							5,690,000
indemnification obligation

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31

assets
loans	17,771,263,000	17,786,767,000	17,665,468,000	17,379,421,000	17,220,103,000	17,090,000,000	17,163,065,000	17,298,840,000	17,205,479,000	17,129,326,000	16,956,539,000	16,535,522,000	16,303,131,000	15,898,958,000	15,686,627,000	15,459,014,000	15,176,359,000	15,148,390,000	15,640,264,000	16,392,071,000	16,329,641,000	16,420,927,000	16,395,054,000	15,073,812,000	14,737,817,000	14,462,594,000	14,260,248,000	14,120,722,000	14,140,298,000	13,955,559,000	13,954,111,000	13,893,361,000	13,983,674,000	13,745,492,000	13,626,592,000	13,572,509,000	13,412,736,000	13,230,241,000	13,091,888,000	12,697,870,000	12,436,692,000	12,224,274,000	11,928,481,000	11,721,960,000	11,469,238,000	11,445,715,000	11,460,039,000	11,222,038,000	10,956,836,000	10,823,654,000	10,370,155,000	9,982,686,000	9,831,384,000	9,638,645,000	9,376,915,000	9,247,971,000	9,177,478,000
allowance for credit losses on loans	-179,468,000	-175,671,000	-165,260,000	-167,031,000	-162,742,000	-160,839,000	-158,557,000	-160,465,000	-162,395,000	-162,244,000	-158,685,000	-159,317,000	-150,136,000	-143,377,000	-138,039,000	-134,710,000	-150,044,000	-162,775,000	-172,395,000	-200,527,000	-220,834,000	-236,360,000	-240,744,000	-171,653,000
net loans	17,591,795,000	17,611,096,000	17,500,208,000	17,212,390,000	17,057,361,000	16,929,161,000	17,004,508,000	17,138,375,000	17,043,084,000	16,967,082,000	16,797,854,000	16,376,205,000	16,152,995,000	15,755,581,000	15,548,588,000	15,324,304,000	15,026,315,000	14,985,615,000	15,467,869,000	16,191,544,000	16,108,807,000	16,184,567,000	16,154,310,000	14,902,159,000	14,577,135,000	14,301,912,000	14,099,066,000	13,960,040,000	13,980,366,000	13,795,827,000	13,794,579,000	13,733,829,000	13,824,142,000	13,587,660,000	13,468,760,000	13,414,677,000	13,256,804,000	13,075,709,000	12,938,056,000	12,545,738,000	12,285,160,000	12,072,742,000	11,776,949,000	11,568,428,000	11,312,706,000	11,284,183,000	11,298,507,000	11,060,506,000	10,795,304,000	10,660,122,000	10,204,123,000	9,814,654,000	9,658,852,000	9,463,613,000	9,198,382,000	9,066,439,000	8,992,946,000
loans held for sale	4,329,000	2,538,000	3,592,000	2,890,000	3,242,000	1,707,000	2,930,000	2,328,000	4,177,000	5,120,000	6,776,000	6,162,000	4,964,000	8,062,000	6,467,000	8,908,000	8,615,000	16,043,000	23,697,000	38,076,000	45,089,000	39,483,000	12,785,000	6,214,000	13,809,000	20,064,000	20,067,000	20,085,000	20,694,000	16,890,000	20,352,000	16,435,000	21,398,000	17,337,000	22,002,000	15,559,000	14,456,000	9,511,000	33,254,000	60,078,000											8,941,000	9,085,000	8,827,000	8,741,000	8,874,000	9,673,000	31,076,000
investment securities:
available for sale debt, at fair value	9,095,513,000				9,136,853,000				9,684,760,000				12,238,316,000				14,450,027,000				12,449,264,000
trading debt	40,080,000	56,282,000	46,630,000	56,569,000	38,034,000	42,645,000	45,499,000	56,716,000	28,830,000	35,564,000	29,412,000	41,584,000	43,523,000	39,222,000	34,195,000	31,380,000	46,235,000	40,114,000	29,002,000	26,925,000	35,321,000	25,805,000	28,813,000	24,291,000	28,161,000	35,918,000	36,508,000	30,427,000	27,059,000	19,676,000	31,156,000	32,025,000
equity	57,354,000	53,193,000	54,511,000	58,182,000	57,442,000	57,115,000	113,584,000	12,852,000	12,701,000	12,212,000	12,266,000	12,528,000	12,304,000	8,954,000	8,546,000	9,284,000	9,202,000	9,174,000	8,678,000	4,337,000	4,363,000	4,203,000	4,128,000	4,038,000	4,209,000	4,186,000	4,744,000	4,694,000	4,409,000	4,467,000	4,444,000	51,512,000
other	230,459,000	227,430,000	219,906,000	221,370,000	230,051,000	216,543,000	223,798,000	229,146,000	222,473,000	230,792,000	258,045,000	268,417,000	225,034,000	222,742,000	207,989,000	199,576,000	194,047,000	184,450,000	176,439,000	155,913,000	156,745,000	122,532,000	117,761,000	155,074,000	137,892,000	147,211,000	130,038,000	129,504,000	129,157,000	127,120,000	112,309,000	108,320,000
total investment securities	9,423,406,000	9,335,491,000	9,236,826,000	9,601,068,000	9,462,380,000	9,483,984,000	8,917,152,000	9,440,409,000	9,948,764,000	10,139,396,000	10,714,348,000	11,551,145,000	12,519,177,000	12,903,428,000	13,951,038,000	15,020,734,000	14,699,511,000	14,399,394,000	13,505,625,000	12,715,378,000	12,645,693,000	11,691,601,000	10,468,129,000	8,861,989,000	8,741,888,000	8,847,734,000	8,853,593,000	8,792,515,000	8,698,666,000	8,826,249,000	8,560,285,000	8,624,037,000	8,893,307,000	9,233,160,000	9,564,380,000	9,793,863,000	9,770,986,000	9,575,681,000	9,363,789,000	9,692,568,000	9,901,680,000	9,604,056,000	9,349,138,000	10,043,303,000	9,645,792,000	8,996,629,000	9,392,072,000	9,256,975,000	9,042,997,000	8,710,097,000	9,055,955,000	9,714,771,000	9,669,735,000	9,152,086,000	9,336,954,000	9,275,311,000	9,358,387,000
federal funds sold					3,000,000	10,000			5,025,000	2,735,000	2,750,000	27,060,000	49,505,000	14,020,000	26,000,000		2,800,000
securities purchased under agreements to resell	850,000,000	850,000,000	850,000,000	850,000,000	625,000,000	475,000,000	475,000,000	225,000,000	450,000,000	450,000,000	825,000,000	825,000,000	825,000,000	1,275,000,000	1,450,000,000	1,825,000,000	1,625,000,000	1,750,000,000
interest earning deposits with banks	2,744,393,000	2,477,668,000	2,624,264,000	2,756,521,000	2,624,553,000	2,642,048,000	2,215,057,000	1,609,614,000	2,239,010,000	1,847,641,000	2,568,695,000	1,341,854,000	389,140,000	642,943,000	684,994,000	1,260,813,000	3,971,217,000	1,888,545,000	2,161,644,000	2,017,128,000	1,747,363,000	1,171,697,000	1,404,968,000	474,156,000	395,850,000	344,129,000	492,318,000	166,077,000	689,876,000	334,752,000	114,947,000	134,697,000	30,631,000	105,422,000	80,860,000	120,234,000	272,275,000	56,767,000	183,223,000	171,651,000	23,803,000	42,078,000	264,683,000	123,712,000	600,744,000	239,429,000	18,877,000	198,417,000	707,249,000	267,548,000	6,816,000	199,956,000	179,164,000	132,144,000	92,544,000	12,038,000	39,853,000
cash and due from banks	803,239,000	476,441,000	522,049,000	517,332,000	748,357,000	507,941,000	329,692,000	291,040,000	443,147,000	358,010,000	366,699,000	351,210,000	452,496,000	344,178,000	355,524,000	326,549,000	305,539,000	344,460,000	358,122,000	338,666,000	437,563,000	357,616,000	391,268,000	401,185,000	491,615,000	512,254,000	456,192,000	428,018,000	507,892,000	443,004,000	386,339,000	423,048,000	438,439,000	461,724,000	433,747,000	416,161,000	494,690,000	396,938,000	428,300,000	375,481,000	464,411,000	384,122,000	409,791,000	416,109,000	467,488,000	445,268,000	516,509,000	530,244,000	518,420,000	594,309,000	399,687,000	413,019,000	573,066,000	426,742,000	410,666,000	381,462,000	465,828,000
premises and equipment	485,700,000	483,000,000	477,401,000	476,921,000	475,275,000	469,986,000	467,256,000	467,377,000	469,059,000	460,830,000	451,568,000	428,169,000	418,909,000	407,833,000	397,877,000	394,028,000	388,738,000	377,476,000	371,989,000	371,737,000	371,083,000	377,853,000	368,565,000	369,745,000	370,637,000	365,949,000	363,554,000	362,679,000
goodwill	146,539,000	146,539,000	146,539,000	146,539,000	146,539,000	146,539,000	146,539,000	146,539,000	146,539,000	146,539,000	146,371,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,921,000	138,676,000	125,585,000	125,585,000	125,585,000	125,585,000	125,585,000	125,585,000	125,585,000
other intangible assets – net	13,311,000	13,329,000	13,333,000	13,441,000	13,632,000	13,722,000	13,801,000	13,918,000	14,179,000	14,432,000	14,666,000	14,918,000	15,234,000	15,599,000	15,853,000	15,885,000	15,570,000	14,458,000	14,148,000	13,098,000	11,207,000				9,534,000				8,794,000				7,618,000				6,709,000				6,669,000				7,450,000				9,268,000				5,300,000				7,714,000
other assets	852,377,000	892,586,000	910,035,000	787,862,000	837,288,000	823,494,000	997,423,000	1,037,508,000	938,077,000	984,907,000	936,535,000	944,212,000	909,590,000	1,097,031,000	860,108,000	671,651,000	506,862,000	582,631,000	508,202,000	594,738,000	567,248,000	632,621,000	699,996,000	779,815,000	476,400,000	483,527,000	639,700,000	456,375,000	382,194,000	452,035,000	437,954,000	483,129,000	401,074,000	359,551,000	387,065,000	339,660,000	608,408,000	396,709,000	436,627,000	331,478,000	534,625,000	355,264,000	321,382,000	330,338,000	380,823,000	294,462,000	306,191,000	328,931,000	316,378,000	481,855,000	529,275,000	381,984,000	353,853,000	353,539,000	355,253,000	404,548,000	405,962,000
total assets	32,915,089,000	32,288,688,000	32,284,247,000	32,364,964,000	31,996,627,000	31,493,592,000	30,569,358,000	30,372,108,000	31,701,061,000	31,376,692,000	32,831,262,000	32,004,856,000	31,875,931,000	32,602,596,000	33,435,370,000	34,986,793,000	36,689,088,000	34,497,543,000	33,856,162,000	33,269,786,000	32,922,974,000	31,453,817,000	30,496,121,000	26,793,017,000	26,065,789,000	25,876,479,000	25,772,174,000	25,033,471,000	25,463,842,000	25,062,392,000	24,524,742,000	24,611,242,000	24,833,415,000	24,979,141,000	25,078,843,000	25,308,171,000	25,641,424,000	24,734,468,000	24,709,693,000	24,506,952,000	24,604,962,000	23,967,648,000	23,705,935,000	24,049,483,000	23,994,280,000	22,701,545,000	23,005,179,000	22,837,120,000	23,072,036,000	22,452,297,000	21,910,351,000	22,227,208,000	22,159,589,000	20,878,769,000	20,742,991,000	20,526,917,000	20,649,367,000
liabilities and shareholders’ equity
deposits:
non-interest bearing	8,205,711,000	7,489,645,000	7,393,559,000	7,518,243,000	8,150,669,000	7,396,153,000	7,492,751,000	7,513,464,000	7,975,935,000	7,961,402,000	8,198,849,000	8,685,234,000	10,066,356,000	10,468,591,000	11,102,585,000	11,428,372,000	11,772,374,000	11,622,855,000	11,085,286,000	11,076,556,000	10,497,598,000	10,727,827,000	9,700,261,000	6,952,236,000	6,890,687,000	6,816,527,000	6,274,838,000	6,298,724,000	6,980,298,000	6,728,605,000	6,876,756,000	6,953,430,000	7,158,962,000	7,536,127,000	7,314,506,000	7,237,815,000	7,429,398,000	7,130,415,000	6,906,265,000	7,065,066,000	7,146,398,000	6,699,873,000	6,886,509,000	6,785,221,000	6,811,959,000	6,446,704,000	6,413,161,000	6,552,085,000	6,750,674,000	6,185,098,000	5,811,473,000	6,170,274,000	6,299,903,000	5,814,932,000	5,637,373,000	5,209,381,000	5,377,549,000
savings, interest checking and money market	15,047,406,000	15,551,799,000	15,727,549,000	15,975,283,000	14,754,571,000	15,216,557,000	14,367,710,000	14,463,211,000	14,512,273,000	14,154,275,000	14,418,974,000	14,419,741,000	15,126,981,000	16,014,487,000	16,063,064,000	16,751,632,000	16,598,085,000	14,907,654,000	14,654,696,000	14,572,378,000	14,604,456,000	12,983,505,000	12,792,993,000	12,049,279,000	11,621,716,000	11,424,404,000	11,452,849,000	11,799,346,000	11,685,239,000	11,733,057,000	11,761,832,000	11,828,138,000	11,499,620,000	11,091,200,000	11,427,615,000	11,439,078,000	11,430,789,000	11,023,526,000	10,978,734,000	11,205,357,000	10,834,746,000	10,295,260,000	10,369,031,000	10,656,139,000	10,541,601,000	9,977,055,000	10,085,460,000	10,328,912,000	10,108,236,000	9,680,816,000	9,573,390,000	9,802,838,000	9,817,943,000	9,025,688,000	8,983,090,000	9,038,283,000	8,933,941,000
certificates of deposit of less than 100,000	1,023,406,000	1,002,640,000	986,014,000	985,878,000	996,721,000	1,113,962,000	1,010,251,000	997,979,000	930,432,000	1,210,169,000	1,543,424,000	468,667,000	387,336,000	391,145,000	404,096,000	422,992,000	435,960,000	452,432,000	478,838,000	504,472,000	529,802,000	556,870,000	590,635,000	619,758,000	626,157,000	627,630,000	613,505,000	599,289,000	586,091,000
certificates of deposit of 100,000 and over	1,363,053,000	1,413,965,000	1,386,906,000	1,362,393,000	1,391,683,000	1,511,120,000	1,408,548,000	1,465,541,000	1,945,258,000	1,764,611,000	1,708,197,000	1,109,818,000	606,767,000	597,093,000	601,488,000	716,345,000	1,006,654,000	1,163,343,000	1,267,417,000	1,267,219,000	1,314,889,000	1,433,577,000	1,443,078,000	1,154,590,000	1,381,855,000	1,441,590,000	1,488,416,000	1,276,994,000	1,072,031,000
total deposits	25,639,576,000	25,458,049,000	25,494,028,000	25,841,797,000	25,293,644,000	25,237,792,000	24,279,260,000	24,440,195,000	25,363,898,000	25,090,457,000	25,869,444,000	24,683,460,000	26,187,440,000	27,471,316,000	28,171,233,000	29,319,341,000	29,813,073,000	28,146,284,000	27,486,237,000	27,420,625,000	26,946,745,000	25,701,779,000	24,526,967,000	20,775,863,000	20,520,415,000	20,310,151,000	19,829,608,000	19,974,353,000	20,323,659,000	20,133,620,000	20,321,557,000	20,538,471,000	20,425,446,000	20,443,773,000	20,825,662,000	21,091,853,000	21,101,095,000	20,166,160,000	20,150,047,000	20,686,309,000	19,978,853,000	18,986,760,000	19,288,709,000	19,576,499,000	19,475,778,000	18,586,638,000	18,939,836,000	19,237,334,000	19,047,348,000	18,217,764,000	17,896,938,000	18,514,867,000	18,348,653,000	16,849,630,000	16,831,633,000	16,771,760,000	16,799,883,000
federal funds purchased and securities sold under agreements to repurchase	2,989,641,000	2,473,065,000	2,596,461,000	2,400,036,000	2,926,758,000	2,182,229,000	2,551,399,000	2,505,576,000	2,908,815,000	2,745,181,000	2,878,021,000	2,784,559,000	2,841,734,000	2,314,590,000	2,234,296,000	2,317,461,000	3,022,967,000	2,253,753,000	2,318,228,000	1,938,110,000	2,098,383,000	1,653,064,000	1,740,438,000	1,428,013,000	1,850,772,000	1,641,274,000	2,394,294,000	1,722,751,000	1,956,389,000	1,862,117,000	1,166,759,000	1,132,329,000	1,507,138,000	1,408,984,000	1,256,444,000	1,321,149,000	1,723,905,000	1,489,891,000	1,632,272,000	957,388,000	1,963,552,000	2,193,197,000	1,666,043,000	1,610,463,000	1,862,518,000	1,395,160,000	1,154,323,000	927,152,000	1,346,558,000	1,760,393,000	1,620,694,000	1,126,858,000	1,083,550,000	1,257,949,000	1,305,745,000	1,122,988,000	1,256,081,000
other borrowings	12,798,000	9,270,000	15,049,000	17,743,000	56,000	10,201,000	3,984,000	2,359,000	1,404,000	503,589,000	1,005,613,000	1,507,776,000	9,672,000	1,831,000	6,025,000	9,057,000	12,560,000	4,006,000	2,194,000	3,791,000	802,000	782,000	1,475,000	756,461,000	2,418,000	257,383,000	4,510,000	2,022,000	8,702,000	1,534,000	9,291,000	9,214,000	1,758,000	102,553,000	101,903,000	101,975,000	102,049,000	101,415,000	103,878,000	103,806,000	103,818,000	103,831,000	103,843,000	103,854,000	104,058,000	105,077,000	105,096,000	105,114,000	107,310,000	105,928,000	102,766,000	102,783,000	103,710,000	103,744,000	111,292,000	111,520,000	111,817,000
other liabilities	458,302,000	555,257,000	518,595,000	606,986,000	443,694,000	609,831,000	576,380,000	460,089,000	462,714,000	438,199,000	392,956,000	346,649,000	355,508,000	443,752,000	348,503,000	367,532,000	392,164,000	602,279,000	555,673,000	589,875,000	477,072,000	791,928,000	869,072,000	580,216,000	553,712,000	561,657,000	372,399,000	291,132,000	237,943,000	257,311,000	255,752,000	225,500,000	180,889,000	319,354,000	266,627,000	229,629,000	213,243,000	416,189,000	296,675,000	312,167,000	191,321,000	312,817,000	331,980,000	353,260,000	217,680,000	325,801,000	543,771,000	294,009,000	356,423,000	186,726,000	183,166,000	303,509,000	452,102,000	360,374,000	263,552,000	321,443,000	311,225,000
total liabilities	29,100,317,000	28,495,641,000	28,624,133,000	28,866,562,000	28,664,152,000	28,040,053,000	27,411,023,000	27,408,219,000	28,736,831,000	28,777,426,000	30,146,034,000	29,322,444,000	29,394,354,000	30,231,489,000	30,760,057,000	32,013,391,000	33,240,764,000	31,006,322,000	30,362,332,000	29,952,401,000	29,523,002,000	28,147,553,000	27,137,952,000	23,540,553,000	22,927,317,000	22,770,465,000	22,600,811,000	21,990,258,000	22,526,693,000	22,254,582,000	21,753,359,000	21,905,514,000	22,115,231,000	22,274,664,000	22,450,636,000	22,744,606,000	23,140,292,000	22,173,655,000	22,182,872,000	22,059,670,000	22,237,544,000	21,596,605,000	21,390,575,000	21,644,076,000	21,660,034,000	20,412,676,000	20,743,026,000	20,563,609,000	20,857,639,000	20,270,811,000	19,803,564,000	20,048,017,000	19,988,015,000	18,571,697,000	18,512,222,000	18,327,711,000	18,479,006,000
commerce bancshares, inc. shareholders’ equity:
common stock	692,944,000				676,054,000				655,322,000				629,319,000				610,804,000				589,352,000				563,978,000				559,432,000				535,407,000				510,015,000				489,862,000				484,155,000				481,224,000				458,646,000				446,387,000
capital surplus	3,522,292,000	3,390,526,000	3,386,218,000	3,381,960,000	3,395,645,000	3,154,300,000	3,153,107,000	3,148,649,000	3,162,622,000	2,924,211,000	2,921,365,000	2,919,060,000	2,932,959,000	2,683,631,000	2,682,161,000	2,678,025,000	2,689,894,000	2,427,544,000	2,424,157,000	2,420,393,000	2,436,288,000	2,140,410,000	2,136,874,000	2,133,623,000	2,151,464,000	2,042,643,000	2,077,491,000	2,074,912,000	2,084,824,000	1,804,031,000	1,804,057,000	1,802,785,000	1,815,360,000	1,548,318,000	1,546,534,000	1,544,034,000	1,552,454,000	1,335,150,000	1,333,995,000	1,332,429,000	1,337,677,000	1,283,346,000	1,261,307,000	1,223,125,000	1,229,075,000	1,215,732,000	1,214,836,000	1,273,290,000	1,279,948,000	1,104,669,000	1,094,922,000	1,101,445,000	1,102,507,000	1,033,515,000	1,033,523,000	1,032,985,000	1,042,065,000
retained earnings	131,826,000	360,723,000	255,938,000	140,220,000	45,494,000	338,512,000	235,299,000	130,706,000	53,183,000	298,297,000	211,358,000	117,313,000	31,620,000	353,446,000	262,363,000	178,504,000	92,493,000	396,655,000	304,739,000	173,173,000	73,000,000	326,890,000	232,082,000	224,643,000	201,562,000	463,231,000	384,232,000	307,193,000	241,163,000	493,641,000	408,374,000	325,390,000	221,374,000	440,261,000	390,853,000	337,046,000	292,849,000	515,081,000	470,558,000	424,677,000	383,313,000	555,877,000	514,451,000	463,701,000	426,648,000	583,490,000	537,759,000	492,559,000	449,836,000	610,720,000	563,166,000	517,792,000	477,210,000	717,138,000	671,297,000	620,780,000	575,419,000
treasury stock	-48,001,000				-48,401,000				-35,599,000				-41,743,000				-32,973,000				-32,970,000				-37,548,000				-34,236,000				-14,473,000				-15,294,000				-26,116,000				-16,562,000			-17,193,000	-10,097,000	-23,528,000	-35,771,000	-32,501,000	-7,580,000	-60,644,000	-61,388,000	-22,872,000	-8,362,000
accumulated other comprehensive income	-507,690,000	-533,666,000	-581,049,000	-634,576,000	-758,911,000	-576,904,000	-807,817,000	-931,027,000	-891,412,000	-1,193,534,000	-1,036,295,000	-940,498,000	-1,086,864,000	-1,119,344,000	-766,894,000	-434,400,000	77,080,000	159,166,000	220,390,000	168,752,000	331,377,000	343,435,000	349,261,000	253,136,000	110,444,000	144,173,000	108,898,000	11,981,000	-64,669,000	-141,596,000	-108,781,000	-89,563,000	14,108,000	67,061,000	42,070,000	30,412,000	10,975,000	121,082,000	134,424,000	102,929,000	32,470,000	65,636,000	48,789,000	91,717,000	62,093,000	60,231,000	84,314,000	40,499,000	9,731,000	26,025,000	21,864,000	129,763,000	136,344,000	166,040,000	136,732,000	118,056,000	110,538,000
total commerce bancshares, inc. shareholders’ equity	3,791,371,000
non-controlling interest	23,401,000	21,382,000	19,542,000	20,615,000	22,594,000	21,458,000	20,600,000	19,913,000	20,114,000	17,861,000	17,870,000	16,888,000	16,286,000	19,513,000	16,467,000	12,762,000	11,026,000	10,551,000	8,210,000	4,795,000	2,925,000	601,000	302,000	1,449,000	3,788,000	3,414,000	2,632,000	5,458,000	5,851,000	4,717,000	3,396,000	2,606,000	1,624,000	3,933,000	4,324,000	4,862,000	5,349,000	5,392,000	4,905,000	5,254,000	5,428,000	5,738,000	5,439,000	4,793,000	4,053,000	3,038,000	2,378,000	3,132,000	3,755,000	3,953,000	3,960,000	4,046,000	4,447,000	4,636,000	4,218,000	3,870,000	4,314,000
total equity	3,814,772,000	3,793,047,000	3,660,114,000	3,498,402,000	3,332,475,000	3,453,539,000	3,158,335,000	2,963,889,000	2,964,230,000	2,599,266,000	2,685,228,000	2,682,412,000	2,481,577,000	2,371,107,000	2,675,313,000	2,973,402,000	3,448,324,000	3,491,221,000	3,493,830,000	3,317,385,000	3,399,972,000	3,306,264,000	3,358,169,000	3,252,464,000	3,138,472,000	3,106,014,000	3,171,363,000	3,043,213,000	2,937,149,000	2,807,810,000	2,771,383,000	2,705,728,000	2,718,184,000	2,704,477,000	2,628,207,000	2,563,565,000	2,501,132,000	2,560,813,000	2,526,821,000	2,447,282,000	2,367,418,000	2,371,043,000	2,315,360,000	2,405,407,000	2,334,246,000	2,288,869,000	2,262,153,000	2,273,511,000	2,214,397,000	2,181,486,000	2,106,787,000	2,179,191,000	2,171,574,000	2,307,072,000	2,230,769,000	2,199,206,000	2,170,361,000
total liabilities and equity	32,915,089,000	32,288,688,000	32,284,247,000	32,364,964,000	31,996,627,000	31,493,592,000	30,569,358,000	30,372,108,000	31,701,061,000	31,376,692,000	32,831,262,000	32,004,856,000	31,875,931,000	32,602,596,000	33,435,370,000	34,986,793,000	36,689,088,000	34,497,543,000	33,856,162,000	33,269,786,000	32,922,974,000	31,453,817,000	30,496,121,000	26,793,017,000	26,065,789,000	25,876,479,000	25,772,174,000	25,033,471,000	25,463,842,000	25,062,392,000	24,524,742,000	24,611,242,000	24,833,415,000	24,979,141,000	25,078,843,000	25,308,171,000	25,641,424,000	24,734,468,000	24,709,693,000	24,506,952,000	24,604,962,000	23,967,648,000	23,705,935,000	24,049,483,000	23,994,280,000	22,701,545,000	23,005,179,000	22,837,120,000	23,072,036,000	22,452,297,000	21,910,351,000	22,227,208,000	22,159,589,000	20,878,769,000	20,742,991,000	20,526,917,000	20,649,367,000
available for sale debt, at fair value (amortized cost of 9,687,084,000 and 10,127,426,000 at
september 30, 2025 and december 31, 2024, respectively, and allowance for credit losses of —
at both september 30, 2025 and december 31, 2024)		8,998,586,000
liabilities and stockholders' equity
commerce bancshares, inc. stockholders’ equity:
authorized 190,000,000; issued 135,210,812 shares at both september 30, 2025 and december 31, 2024		676,054,000
and 784,203 shares at december 31, 2024, at cost		-121,972,000	-96,589,000	-85,871,000
total commerce bancshares, inc. stockholders' equity		3,771,665,000	3,640,572,000	3,477,787,000		3,432,081,000	3,137,735,000	2,943,976,000		2,581,405,000	2,667,358,000	2,665,524,000		2,351,594,000	2,658,846,000	2,960,640,000		3,480,670,000	3,485,620,000	3,312,590,000		3,305,663,000	3,357,867,000	3,251,015,000		3,102,600,000	3,168,731,000	3,037,755,000		2,803,093,000	2,767,987,000	2,703,122,000		2,700,544,000	2,623,883,000	2,558,703,000		2,555,421,000	2,521,916,000	2,442,028,000		2,365,305,000	2,309,921,000	2,400,614,000		2,285,831,000	2,259,775,000	2,270,379,000		2,177,533,000	2,102,827,000	2,175,145,000		2,302,436,000	2,226,551,000	2,195,336,000
available for sale debt, at fair value (amortized cost of 9,680,135,000 and 10,127,426,000 at
june 30, 2025 and december 31, 2024, respectively, and allowance for credit losses of —
at both june 30, 2025 and december 31, 2024)			8,915,779,000
authorized 190,000,000; issued 135,210,812 shares at both june 30, 2025 and december 31, 2024			676,054,000
available for sale debt, at fair value (amortized cost of 10,097,801,000 and 10,127,426,000 at
march 31, 2025 and december 31, 2024, respectively, and allowance for credit losses of —
at both march 31, 2025 and december 31, 2024)				9,264,947,000
authorized 190,000,000; issued 135,210,812 shares at both march 31, 2025 and december 31, 2024				676,054,000
liabilities and stockholders’ equity
total commerce bancshares, inc. stockholders’ equity					3,309,881,000				2,944,116,000				2,465,291,000				3,437,298,000				3,397,047,000				3,134,684,000				2,931,298,000				2,716,560,000				2,495,783,000				2,361,990,000				2,330,193,000				2,210,642,000				2,167,127,000				2,166,047,000
available for sale debt, at fair value (amortized cost of 9,954,054,000 and 10,904,765,000 at
september 30, 2024 and december 31, 2023, respectively, and allowance for credit losses of —
at both september 30, 2024 and december 31, 2023)						9,167,681,000
authorized 190,000,000; issued 131,064,418 shares at both september 30, 2024 and december 31, 2023						655,322,000
and 611,546 shares at december 31, 2023, at cost						-139,149,000	-98,176,000	-59,674,000
available for sale debt, at fair value (amortized cost of 9,608,044,000 and 10,904,765,000 at
june 30, 2024 and december 31, 2023, respectively, and allowance for credit losses of —
at both june 30, 2024 and december 31, 2023)							8,534,271,000
authorized 190,000,000; issued 131,064,418 shares at both june 30, 2024 and december 31, 2023							655,322,000
available for sale debt, at fair value (amortized cost of 10,388,902,000 and 10,904,765,000 at
march 31, 2024 and december 31, 2023, respectively, and allowance for credit losses of —
at both march 31, 2024 and december 31, 2023)								9,141,695,000
authorized 190,000,000; issued 131,064,418 shares at both march 31, 2024 and december 31, 2023								655,322,000
available for sale debt, at fair value (amortized cost of 11,457,305,000 and 13,738,206,000 at
september 30, 2023 and december 31, 2022, respectively, and allowance for credit losses of —
at both september 30, 2023 and december 31, 2022)										9,860,828,000
authorized 190,000,000 at september 30, 2023 and 140,000,000 at december 31, 2022; issued 125,863,879 shares at september 30, 2023 and december 31, 2022										629,319,000
and 605,142 shares at december 31, 2022, at cost										-76,888,000	-58,389,000	-59,670,000
available for sale debt, at fair value (amortized cost of 11,833,736,000 and 13,738,206,000 at
june 30, 2023 and december 31, 2022, respectively, and allowance for credit losses of —
at both june 30, 2023 and december 31, 2022)											10,414,625,000
authorized 190,000,000 at june 30, 2023 and 140,000,000 at december 31, 2022; issued 125,863,879 shares at june 30, 2023 and december 31, 2022											629,319,000
available for sale debt, at fair value (amortized cost of 12,538,550,000 and 13,738,206,000 at
march 31, 2023 and december 31, 2022, respectively, and allowance for credit losses of —
at both march 31, 2023 and december 31, 2022)												11,228,616,000
authorized 140,000,000; issued 125,863,879 shares at march 31, 2023 and december 31, 2022												629,319,000
available for sale debt, at fair value (amortized cost of 14,176,324,000 and 14,419,133,000 at
september 30, 2022 and december 31, 2021, respectively, and allowance for credit losses of —
at both september 30, 2022 and december 31, 2021)														12,632,510,000
authorized 140,000,000; issued 122,160,705 shares at september 30, 2022 and december 31, 2021														610,804,000
and 476,392 shares at december 31, 2021, at cost														-176,943,000	-129,588,000	-72,293,000
available for sale debt, at fair value (amortized cost of 14,783,369,000 and 14,419,133,000 at
june 30, 2022 and december 31, 2021, respectively, and allowance for credit losses of —
at both june 30, 2022 and december 31, 2021)															13,700,308,000
authorized 140,000,000; issued 122,160,705 shares at june 30, 2022 and december 31, 2021															610,804,000
available for sale debt, at fair value (amortized cost of 15,425,954,000 and 14,419,133,000 at
march 31, 2022 and december 31, 2021, respectively, and allowance for credit losses of —
at march 31, 2022 and december 31, 2021, respectively)																14,780,494,000
federal funds sold and short-term securities purchased under agreements to resell																			5,945,000	500,000		2,275,000		400,000		2,850,000		250,000	3,320,000	14,375,000	31,500,000	17,000,000	42,775,000	32,630,000	16,520,000	2,205,000	15,470,000	13,415,000	13,725,000	9,075,000	14,505,000	32,550,000	26,875,000	12,450,000	32,485,000	37,760,000
authorized 140,000,000; issued 122,160,705 shares																610,804,000
available for sale debt, at fair value (amortized cost of 14,027,284,000 and 12,097,533,000 and
allowance for credit losses of — at september 30, 2021 and december 31, 2020, respectively)																		14,165,656,000
liabilities and equity
authorized 140,000,000; issued 117,870,372 shares																		589,352,000	589,352,000	589,352,000
and 497,413 shares at december 31, 2020, at cost																		-92,047,000	-53,018,000	-39,080,000
available for sale debt, at fair value (amortized cost of 13,077,042,000 and 12,097,533,000 and
allowance for credit losses of — at june 30, 2021 and december 31, 2020, respectively)																			13,291,506,000
long-term securities purchased under agreements to resell																			1,300,000,000	850,000,000	850,000,000	850,000,000	850,000,000	850,000,000	850,000,000	850,000,000	700,000,000	700,000,000	700,000,000	700,000,000	700,000,000	700,000,000	700,000,000	700,000,000	625,000,000	725,000,000	725,000,000	725,000,000	825,000,000	825,000,000	875,000,000	975,000,000	1,050,000,000	1,050,000,000	1,050,000,000	900,000,000	950,000,000	950,000,000	1,150,000,000	1,150,000,000	1,200,000,000	1,200,000,000	1,200,000,000	850,000,000	850,000,000	850,000,000	850,000,000
available for sale debt, at fair value (amortized cost of 12,388,041,000 and 12,097,533,000 and
allowance for credit losses of — at march 31, 2021 and december 31, 2020, respectively)																				12,528,203,000
preferred stock, 1 par value authorized 2,000,000 shares; issued none at december 31, 2020 and 6,000 shares at december 31, 2019
available for sale debt, at fair value (amortized cost of 11,182,348,000 and allowance for credit
losses of — at september 30, 2020)																						11,539,061,000
other intangible assets																						7,183,000	7,179,000	8,433,000		9,139,000	8,763,000	8,511,000		8,470,000	8,083,000	7,893,000		7,388,000	7,002,000	6,700,000		6,621,000	6,561,000	6,539,000		6,826,000	6,978,000	7,143,000		7,771,000	8,249,000	8,811,000		9,050,000	4,517,000	4,870,000		5,804,000	6,381,000	7,070,000
preferred stock, 1 par value
authorized 2,000,000 shares; issued 6,000 shares at december 31, 2019
and none at september 30, 2020
authorized 140,000,000; issued 112,795,605 shares																						563,978,000
and 445,952 shares at december 31, 2019, at cost																						-69,050,000	-69,112,000	-69,149,000
available for sale debt, at fair value (amortized cost of 9,961,155,000 and allowance for credit
losses of — at june 30, 2020)																							10,317,427,000
authorized 2,000,000 shares; issued 6,000 shares																							144,784,000	144,784,000		144,784,000	144,784,000	144,784,000		144,784,000	144,784,000	144,784,000		144,784,000	144,784,000	144,784,000		144,784,000	144,784,000	144,784,000		144,784,000	144,784,000	144,784,000
authorized 140,000,000;
issued 112,795,605 shares																							563,978,000	563,978,000
available for sale debt, at fair value (amortized cost of 8,437,595,000 and allowance for credit
losses of — at march 31, 2020)																								8,678,586,000
allowance for loan losses																									-160,682,000	-160,682,000	-161,182,000	-160,682,000	-159,932,000	-159,732,000	-159,532,000	-159,532,000	-159,532,000	-157,832,000	-157,832,000	-157,832,000	-155,932,000	-154,532,000	-153,832,000	-152,132,000	-151,532,000	-151,532,000	-151,532,000	-153,532,000	-156,532,000	-161,532,000	-161,532,000	-161,532,000	-161,532,000	-163,532,000	-166,032,000	-168,032,000	-172,532,000	-175,032,000	-178,533,000	-181,532,000	-184,532,000
available for sale debt																									8,571,626,000				8,538,041,000
preferred stock, 1 par value authorized 2,000,000 shares; issued 6,000 shares at december 31, 2019 and 2018																									144,784,000
available for sale debt (205,554,000 and 463,325,000 pledged at september 30, 2019 and
december 31, 2018, respectively, to secure swap and repurchase agreements)																										8,660,419,000	8,682,303,000	8,627,890,000
authorized 140,000,000 shares at september 30, 2019 and 120,000,000 shares at december 31, 2018;
issued 111,886,450 shares																										559,432,000	559,432,000	559,432,000
and 555,100 shares at december 31, 2018, at cost																										-251,663,000	-106,106,000	-60,547,000
available for sale debt (205,266,000 and 463,325,000 pledged at june 30, 2019 and
authorized 140,000,000 shares at june 30, 2019 and 120,000,000 shares at december 31, 2018;
available for sale debt (312,276,000 and 463,325,000 pledged at march 31, 2019 and
authorized 120,000,000 shares;
land, buildings and equipment – net																													333,119,000				335,110,000				337,705,000				352,581,000				357,871,000				349,654,000				357,612,000				360,146,000
preferred stock, 1 par value authorized 2,000,000 shares; issued 6,000 shares at december 31, 2018 and 2017																													144,784,000
available for sale debt (553,227,000 and 662,515,000 pledged at september 30, 2018 and
december 31, 2017, respectively, to secure swap and repurchase agreements)																														8,674,986,000	8,412,376,000	8,432,180,000
land, buildings and equipment																														331,869,000	331,782,000	332,253,000		335,348,000	334,586,000	335,191,000		339,196,000	342,237,000	350,423,000		351,946,000	353,366,000	356,309,000		357,122,000	346,363,000	344,790,000		353,473,000	352,462,000	355,464,000		350,040,000	350,897,000	353,866,000
time open and c.d.'s of less than 100,000																														585,765,000	603,629,000	615,401,000		657,891,000	679,668,000	696,776,000		732,575,000	749,160,000	766,810,000		808,210,000	833,161,000	853,842,000		909,246,000	942,233,000	967,272,000		1,013,598,000	1,039,131,000	1,061,350,000		1,094,215,000	1,113,824,000	1,143,687,000
time open and c.d.'s of 100,000 and over																														1,086,193,000	1,079,340,000	1,141,502,000		1,158,555,000	1,403,873,000	1,718,184,000		1,279,644,000	1,515,888,000	1,649,076,000		1,183,417,000	1,200,008,000	1,281,297,000		1,253,633,000	1,498,982,000	1,389,065,000		1,338,252,000	1,472,944,000	1,480,405,000		914,795,000	1,097,346,000	1,380,409,000
issued 107,081,397 shares																														535,407,000	535,407,000	535,407,000
and 276,968 shares at december 31, 2017, at cost																														-33,174,000	-15,854,000	-15,681,000
available for sale debt (557,698,000 and 662,515,000 pledged at june 30, 2018 and
available for sale debt (659,378,000 and 662,515,000 pledged at march 31, 2018 and
available for sale																																	8,774,280,000				9,649,203,000				9,777,004,000				9,523,560,000
trading																																	18,269,000	24,605,000	22,291,000	20,200,000	22,225,000	28,586,000	30,512,000	23,130,000	11,890,000	14,463,000	18,971,000	15,501,000	15,357,000	16,510,000	15,684,000	15,740,000	19,993,000	18,295,000	14,670,000	23,400,000	28,837,000	13,595,000	14,313,000	34,178,000	17,853,000
non-marketable																																	100,758,000	99,268,000	102,388,000	101,688,000	99,558,000	108,224,000	111,931,000	117,259,000	112,786,000	116,634,000	108,346,000	110,560,000	106,875,000	101,705,000	93,748,000	126,119,000	107,324,000	114,520,000	113,470,000	118,620,000	118,650,000	117,540,000	116,190,000	120,734,000	115,832,000
time open and c.d.’s of less than 100,000																																	634,646,000				713,075,000				785,191,000				878,433,000				983,689,000				1,074,618,000				1,166,104,000
time open and c.d.’s of 100,000 and over																																	1,132,218,000				1,527,833,000				1,212,518,000				1,243,785,000				1,204,749,000				1,156,189,000				1,322,289,000
preferred stock, 1 par value authorized 2,000,000 shares; issued 6,000 shares																																	144,784,000				144,784,000				144,784,000
available for sale (667,199,000 and 568,553,000 pledged at september 30, 2017 and
december 31, 2016, respectively, to secure swap and repurchase agreements)																																		9,109,287,000	9,439,701,000
issued 102,003,046 shares																																		510,015,000	510,015,000	510,015,000
and 364,711 shares at december 31, 2016, at cost																																		-9,895,000	-10,373,000	-7,588,000
available for sale (719,820,000 and 568,553,000 pledged at june 30, 2017 and
available for sale (720,055,000 pledged at march 31, 2017 and 568,553,000 at
december 31, 2016 to secure swap and repurchase agreements)																																				9,671,975,000
available for sale (578,090,000 pledged at september 30, 2016 and 568,257,000 at
december 31, 2015 to secure swap and repurchase agreements)																																						9,438,871,000	9,221,346,000	9,552,179,000
issued 97,972,433 shares																																						489,862,000	489,862,000	489,862,000
and 603,003 shares at december 31, 2015, at cost																																						-50,538,000	-51,707,000	-52,653,000
available for sale (583,208,000 pledged at june 30, 2016 and 568,257,000 at
available for sale (581,035,000 pledged at march 31, 2016 and 568,257,000 at
loans held for sale, including 4,981,000 of residential mortgage loans carried at fair value																																									7,607,000
loans held for sale, including 2,173,000 of residential mortgage loans carried at fair value																																										4,143,000
available for sale (364,097,000 pledged at september 30, 2015 and 467,143,000 at
december 31, 2014 to secure swap and repurchase agreements)																																										9,472,959,000	9,221,821,000	9,917,242,000
issued 96,830,977 shares																																										484,155,000	484,155,000	484,155,000
and 367,487 shares at december 31, 2014, at cost																																										-168,493,000	-143,565,000	-6,868,000
loans held for sale, at fair value																																											7,852,000	2,770,000
available for sale (465,491,000 pledged at june 30, 2015 and 467,143,000 at
available for sale (468,843,000 pledged at march 31, 2015 and 467,143,000 at
preferred stock, 1 par value authorized 2,000,000 shares; issued 6,000 shares at december 31, 2014 and none at december 31, 2013																																													144,784,000
available for sale (470,111,000 pledged at september 30, 2014 and 687,680,000 at
december 31, 2013 to secure swap and repurchase agreements)																																														8,878,414,000	9,282,640,000
authorized 2,000,000 shares; issued 6,000 shares at september 30, 2014																																														144,784,000
and none at december 31, 2013
authorized 120,000,000 shares at september 30, 2014 and 100,000,000 at december 31, 2013;
issued 96,244,762 shares																																														481,224,000	481,224,000
and 235,986 shares at december 31, 2013, at cost																																														-199,630,000	-203,174,000
available for sale (651,952,000 pledged at june 30, 2014 and 687,680,000 at
short-term federal funds sold and securities purchased under agreements to resell																																															29,490,000	19,525,000	43,845,000	87,167,000	22,990,000	7,820,000	27,595,000	10,475,000	7,455,000	40,925,000	11,870,000
authorized 2,000,000 shares; issued 6,000 shares at june 30, 2014 and none at december 31, 2013																																															144,816,000
authorized 120,000,000 shares at june 30, 2014 and 100,000,000 at december 31, 2013;
available for sale (552,477,000 and 687,680,000 pledged in 2014 and 2013,
respectively, to secure swap and repurchase agreements)																																																9,115,116,000		8,577,282,000	8,927,815,000
authorized and unissued 2,000,000 shares
authorized 100,000,000 shares; issued 96,244,762 shares in 2014 and 2013																																																481,224,000
available for sale (687,680,000 and 736,183,000 pledged in 2013 and
2012, respectively, to secure swap and repurchase agreements)																																																	8,915,680,000
preferred stock, 1 par value authorized and unissued 2,000,000 shares
available for sale (704,650,000 and 736,183,000 pledged in 2013 and 2012,
authorized 100,000,000 shares; issued 91,929,481 shares in 2013 and 91,729,235 shares in 2012																																																		459,647,000
available for sale (746,141,000 and 736,183,000 pledged in 2013 and 2012,
authorized 100,000,000 shares; issued 91,729,235 shares in 2013 and 2012																																																			458,646,000	458,646,000
available for sale (733,496,000 and 736,183,000 pledged in 2013 and 2012,
respectively, to secure repurchase agreements)																																																				9,572,751,000		9,020,951,000	9,206,451,000
available for sale (736,183,000 and 418,046,000 pledged in 2012 and
2011, respectively, to secure repurchase agreements)																																																					9,522,248,000
available for sale (742,060,000 and 418,046,000 pledged in 2012 and 2011,
authorized 100,000,000 shares; issued 89,277,398 shares in 2012 and 2011																																																						446,387,000	446,387,000	446,387,000
available for sale (629,599,000 and 418,046,000 pledged in 2012 and 2011,
available for sale (420,085,000 and 418,046,000 pledged in 2012 and 2011,
respectively, to secure structured repurchase agreements)																																																								9,120,399,000
available for sale (418,046,000 and 429,439,000 pledged in 2011 and
2010, respectively, to secure structured repurchase agreements)																																																									9,224,702,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31

operating activities
net income	142,681,000	143,622,000	153,763,000	130,633,000	137,244,000	140,263,000	141,442,000	115,452,000	111,461,000	122,700,000	130,463,000	120,553,000	133,654,000	126,187,000	120,153,000	120,026,000	115,358,000	125,754,000	166,249,000	133,229,000	132,196,000	133,355,000	38,731,000	49,603,000	107,278,000	110,080,000	108,299,000	97,055,000	110,760,000	114,069,000	111,324,000	102,061,000	94,983,000	74,226,000	78,989,000	71,702,000	72,374,000	69,150,000	69,808,000	65,522,000	64,425,000	65,213,000	75,323,000	62,014,000	63,742,000	69,021,000	65,900,000	64,121,000	65,825,000	68,445,000	66,039,000	60,808,000	66,603,000	66,786,000	71,236,000	66,814,000
adjustments to reconcile net income to net cash from operating activities:
provision for credit losses	15,993,000	20,061,000	5,597,000	14,487,000	13,508,000	9,140,000	5,468,000	4,787,000	5,879,000	11,645,000	6,471,000	11,456,000		15,290,000	7,162,000	-9,858,000	-7,054,000	-7,385,000	-45,655,000	-6,232,000	-4,403,000	3,101,000
depreciation and amortization
amortization of investment security premiums	-5,195,000	-3,720,000	-5,669,000	-3,724,000	-3,620,000	1,132,000	-2,256,000	3,905,000	4,321,000	3,863,000	1,828,000	7,654,000	10,240,000	2,619,000	1,014,000	4,932,000	15,112,000	10,552,000	19,191,000	22,079,000	22,240,000	11,958,000	15,303,000	10,362,000	7,195,000	7,611,000	2,827,000	9,998,000	7,466,000	7,079,000	4,446,000	7,233,000	7,250,000	10,346,000	8,596,000	9,231,000	8,136,000	7,343,000	4,826,000	11,188,000	9,369,000	5,452,000	2,698,000	15,099,000	8,738,000	6,150,000	1,648,000	6,675,000	7,579,000	5,613,000	4,688,000	12,539,000	6,249,000	13,127,000	4,875,000	11,987,000
deferred income tax expense
investment securities losses	-2,929,000	-7,885,000	-437,000	7,591,000	-977,000	-3,872,000	-3,233,000	259,000	-7,601,000	-4,298,000	-3,392,000	306,000						-13,108,000	-16,804,000	-9,853,000	-12,307,000	-16,155,000	4,129,000	13,301,000			110,000	925,000						3,037,000	-1,651,000	772,000				995,000					-3,650,000
net losses on sales of loans held for sale	-847,000	-1,029,000	-538,000	-515,000	-503,000	-835,000	-660,000	-328,000	-321,000	-283,000	-285,000	-137,000
proceeds from sales of loans held for sale	37,092,000	40,375,000	28,846,000	23,357,000	29,988,000	32,015,000	27,446,000	18,007,000	18,171,000	16,565,000	15,360,000	8,850,000	7,235,000	20,139,000	38,493,000	57,789,000	91,633,000	128,672,000	172,404,000	184,155,000	144,442,000	108,948,000	1,656,000	42,221,000	64,809,000	81,954,000	63,884,000	48,506,000	51,794,000	64,966,000	42,416,000	49,255,000	50,785,000	72,165,000	57,977,000	34,446,000	43,129,000			22,666,000	24,840,000	29,380,000	28,018,000	15,575,000									71,000	141,000	809,000	21,699,000
originations of loans held for sale	-38,311,000	-38,634,000	-29,172,000	-22,626,000	-31,472,000	-29,997,000	-27,591,000	-15,914,000	-16,954,000	-14,741,000	-15,798,000	-9,931,000	-4,085,000	-21,326,000	-35,859,000	-57,580,000	-81,744,000	-117,139,000	-153,279,000	-172,435,000	-143,555,000	-128,607,000	-7,816,000	-33,351,000	-57,184,000	-79,486,000	-61,852,000	-46,454,000	-54,378,000	-60,214,000	-45,117,000	-44,066,000	-53,512,000	-65,609,000	-62,227,000	-34,716,000	-47,701,000	-44,888,000	-46,871,000	-24,009,000	-27,610,000	-25,446,000	-32,337,000	-17,806,000
net decrease in trading securities, excluding unsettled transactions																																		1,137,000	-1,666,000	7,763,000				76,143,000
purchase of interest rate floors
stock-based compensation	4,414,000	4,393,000	4,039,000	4,426,000	4,300,000	4,280,000	4,185,000	4,266,000	4,458,000	4,317,000	3,904,000	4,373,000	4,354,000	4,232,000	4,191,000	4,218,000	3,827,000	3,865,000	3,790,000	3,933,000	3,684,000	3,765,000	3,737,000	3,729,000	3,489,000	3,486,000	3,399,000	3,480,000	3,286,000	3,161,000	3,104,000	3,290,000	2,956,000	2,954,000	3,060,000	3,135,000	2,624,000	2,614,000	2,876,000	3,411,000	2,445,000	2,450,000	2,512,000	2,740,000	2,198,000	2,163,000	2,207,000	2,261,000	1,822,000	1,857,000	1,525,000	1,223,000	1,296,000	1,150,000	1,148,000	1,407,000
decrease in interest receivable	-6,136,000	-5,006,000	-5,032,000	5,149,000	-484,000	-7,672,000	2,233,000	561,000	1,875,000	-7,194,000	338,000	-1,005,000		-10,220,000	-3,767,000	-7,972,000	8,339,000	4,761,000	6,244,000	444,000	-2,387,000	-7,340,000			3,087,000	-647,000	2,444,000	-1,568,000																	30,000	-2,319,000				2,578,000
increase in interest payable	2,532,000	-391,000	1,108,000	5,432,000	-21,292,000	-261,000	-2,017,000	-286,000	5,028,000	9,803,000	21,794,000	10,025,000	1,957,000	850,000	-26,000	273,000					-1,774,000	-2,525,000	-2,984,000	-2,161,000	-352,000	1,517,000	1,713,000	2,708,000	1,448,000			-732,000	261,000	469,000	-731,000	39,000	838,000	212,000	-223,000	280,000				27,000				25,000				246,000				114,000
increase in income taxes payable	-1,220,000	1,634,000	-58,173,000	35,134,000	-4,576,000	16,263,000	-28,222,000	28,750,000	4,638,000	22,000	-27,044,000	26,970,000	-13,104,000	2,023,000	-30,512,000	28,657,000	-25,006,000	736,000	-9,010,000	28,105,000	20,287,000	-20,784,000	4,850,000	7,992,000	-9,065,000	-60,000	3,111,000	20,479,000	-17,819,000	4,386,000	3,645,000	22,076,000	-27,886,000	-1,282,000	-19,673,000	21,156,000	2,722,000	1,714,000	-26,060,000	26,133,000	2,853,000	-1,310,000	-7,282,000	24,904,000	-4,536,000	-9,839,000	-15,691,000	30,410,000	-8,846,000	13,902,000	-33,613,000	26,894,000	-7,824,000	-7,570,000	-21,497,000	23,496,000
other changes	80,679,000	-13,889,000	-16,375,000	-53,184,000	-279,048,000	269,692,000	-9,907,000	3,277,000	-29,508,000	24,071,000	-47,774,000	-60,270,000	-55,035,000	39,821,000	59,579,000	-29,115,000	-30,904,000	27,050,000	-17,810,000	11,178,000	-140,776,000	151,851,000	-18,256,000	-60,881,000	-14,435,000	-8,029,000	-32,819,000	-18,080,000	-20,956,000	-4,994,000	10,746,000	9,212,000	-15,071,000	10,496,000	-10,167,000	8,182,000	-2,064,000	-14,817,000	-6,433,000	-3,352,000	-10,824,000	-3,207,000	12,484,000	-9,642,000	-7,285,000	-662,000	11,229,000	-6,524,000	-6,224,000	7,460,000	14,390,000	-28,936,000	-76,000	-3,101,000	4,419,000	-12,036,000
net cash from operating activities	266,320,000	129,020,000	111,192,000	138,604,000	-136,655,000	431,679,000	147,359,000	135,476,000	121,024,000	146,857,000	104,831,000	116,057,000	89,600,000	183,615,000	161,656,000	124,514,000	111,597,000	158,876,000	125,580,000	201,669,000	151,609,000	242,655,000	149,960,000	79,768,000	135,460,000	125,600,000	109,553,000	142,181,000	105,949,000	158,634,000	144,088,000	143,989,000	98,916,000	122,292,000	70,713,000	141,305,000	86,200,000	55,290,000	94,993,000	195,884,000	10,235,000	85,267,000	98,044,000	95,517,000	75,207,000	76,777,000	87,377,000	121,475,000	72,156,000	120,872,000	69,834,000	98,071,000	87,746,000	91,973,000	83,248,000	120,145,000
capital expenditures	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	266,320,000	129,020,000	111,192,000	138,604,000	-136,655,000	431,679,000	147,359,000	135,476,000	121,024,000	146,857,000	104,831,000	116,057,000	89,600,000	183,615,000	161,656,000	124,514,000	111,597,000	158,876,000	125,580,000	201,669,000	151,609,000	242,655,000	149,960,000	79,768,000	135,460,000	125,600,000	109,553,000	142,181,000	105,949,000	158,634,000	144,088,000	143,989,000	98,916,000	122,292,000	70,713,000	141,305,000	86,200,000	55,290,000	94,993,000	195,884,000	10,235,000	85,267,000	98,044,000	95,517,000	75,207,000	76,777,000	87,377,000	121,475,000	72,156,000	120,872,000	69,834,000	98,071,000	87,746,000	91,973,000	83,248,000	120,145,000
investing activities
cash paid in acquisition, net of cash received									0	-168,000
distributions received from equity-method investment									0	0	0	1,434,000	0	0	0	400,000
proceeds from sales of investment securities	39,328,000	534,000	39,337,000	6,757,000	22,660,000	115,751,000	1,146,926,000	10,250,000	0	11,413,000	290,101,000	840,435,000	51,281,000	51,978,000	1,967,000	1,745,000	70,751,000	0	768,000	9,292,000	28,101,000	399,779,000	174,595,000	2,000	33,562,000	4,179,000	224,706,000	150,756,000	515,817,000	525,000	43,870,000	148,652,000	423,344,000	362,484,000	6,454,000	98,000	16,434,000	5,875,000	1,977,000	94,000	4,138,000	1,691,000	497,470,000	185,732,000	401,000	142,000	32,233,000	31,666,000	9,675,000	2,528,000	4,044,000	52,000		815,000	7,130,000	6,986,000
proceeds from maturities/pay downs of investment securities	357,455,000	458,968,000	415,733,000	542,456,000	380,052,000	586,609,000	594,688,000	571,764,000	620,377,000	392,416,000	448,539,000	474,220,000	611,321,000	617,788,000	656,796,000	805,355,000	887,990,000	781,711,000	850,878,000	938,527,000	816,730,000	632,590,000	582,240,000	641,950,000	550,691,000	396,330,000	358,399,000	252,824,000	287,987,000	410,028,000	454,280,000	358,690,000	514,647,000	474,582,000	427,321,000	483,090,000	372,619,000	550,071,000	567,648,000	542,059,000	591,328,000	599,864,000	714,777,000	609,144,000	521,683,000	464,347,000	471,119,000	456,956,000	494,846,000	569,040,000	803,967,000	674,270,000		862,021,000	835,684,000	643,378,000
purchases of investment securities	-450,015,000	-460,886,000	-25,791,000	-514,579,000	-582,816,000	-994,730,000	-944,975,000	-155,475,000	-55,649,000	-384,000	-21,669,000	-168,584,000	-196,168,000	-57,473,000	-81,787,000	-1,812,434,000	-1,490,175,000	-1,750,692,000	-1,512,133,000	-1,194,891,000	-1,856,249,000	-2,487,137,000	-2,078,995,000	-569,079,000	-556,573,000	-334,333,000	-539,629,000	-432,645,000	-570,098,000	-771,528,000	-450,153,000	-298,554,000	-781,035,000	-446,851,000	-143,289,000	-482,642,000	-908,098,000	-665,849,000	-233,380,000	-180,774,000	-1,034,734,000	-796,826,000	-585,008,000	-1,125,969,000	-1,183,842,000	-117,292,000	-568,719,000	-628,237,000	-888,388,000	-213,385,000	-375,238,000	-934,142,000		-558,826,000	-918,783,000	-558,651,000
net decrease in loans	4,878,000	-132,419,000	-295,905,000	-170,573,000	-140,803,000	62,436,000	125,987,000	-102,295,000	-84,361,000	-182,632,000	-427,513,000	-239,230,000		-217,575,000			-32,236,000	488,215,000									-151,387,000	7,758,000
securities purchased under agreements to resell	0	0	0	-350,000,000	-150,000,000	0	-250,000,000	-100,000,000					0	0	0	-200,000,000	0
repayments of securities purchased under agreements to resell	0	0	0	125,000,000	0	0	0	325,000,000	0				450,000,000	175,000,000
purchases of premises and equipment	-13,737,000	-15,744,000	-10,681,000	-12,586,000	-14,019,000	-12,610,000	-8,506,000	-10,998,000	-15,511,000	-20,659,000	-31,860,000	-20,044,000	-18,555,000	-17,651,000	-13,388,000	-15,597,000	-19,331,000	-15,441,000	-11,214,000	-10,730,000	-3,942,000	-15,515,000	-6,103,000	-7,574,000		-9,152,000	-9,006,000	-11,283,000
sales of premises and equipment	0	0	0	100,000	33,000	5,577,000	610,000	2,671,000	607,000	2,536,000	1,209,000	6,000	1,372,000	212,000	1,226,000	175,000	4,073,000	0	2,218,000	2,568,000	1,565,000	292,000	4,000	17,000		552,000	209,000	1,268,000
net cash from investing activities	-62,091,000	-149,547,000	122,693,000	-373,425,000	-484,893,000	-236,967,000	664,730,000	540,917,000	465,463,000	577,522,000	252,610,000	888,237,000	489,433,000	552,279,000	708,243,000	-1,507,684,000	-453,928,000	-932,667,000	-368,432,000	-327,731,000	-947,561,000	-1,503,448,000	-2,657,901,000	-281,594,000	-275,902,000	-306,233,000	-116,708,000	-31,322,000	35,770,000	-379,699,000	-30,457,000	283,362,000	-100,479,000	176,162,000	318,415,000	-173,378,000	-712,400,000	-110,913,000	-65,423,000	83,523,000	-570,752,000	-430,801,000	406,615,000	-600,464,000	-852,320,000	327,896,000	-319,658,000	-218,600,000	-528,216,000	207,536,000	31,390,000	-424,370,000	-974,058,000	26,253,000	-218,395,000	5,363,000
financing activities
net increase in non-interest bearing, savings, interest checking and money market deposits	50,840,000	-23,877,000	-528,852,000	774,974,000	431,257,000	651,331,000	-97,930,000	-571,329,000	383,327,000	-488,867,000	-369,594,000	-2,137,278,000	-1,175,754,000	-775,635,000	-1,094,334,000	-208,358,000	1,862,905,000	742,979,000	100,003,000	585,579,000	1,177,786,000	1,314,079,000	3,642,610,000	181,625,000				-620,589,000			-82,208,000	54,986,000	-2,546,000	-90,052,000	28,093,000	49,469,000	502,351,000	319,480,000	-460,271,000	421,286,000			-184,550,000	218,837,000					1,370,553,000	293,994,000			1,222,891,000	218,553,000	420,490,000	-84,876,000
net increase in certificates of deposit	-30,146,000	43,685,000	24,649,000	-40,133,000	-236,678,000	206,283,000	-44,721,000	-412,170,000	-99,090,000	-276,841,000	1,673,136,000	584,382,000									-145,756,000	-43,266,000	259,365,000	-233,664,000	-61,208,000	-32,701,000	225,638,000	218,161,000
net increase in federal funds purchased and short-term securities sold under agreements to repurchase																																					234,014,000				-229,645,000				467,358,000
fhlb short-term borrowings									0	0
repayments of fhlb borrowings									-500,000,000	-500,000,000
net increase in other borrowings	3,528,000	-5,779,000	-2,694,000	17,687,000	-10,145,000	6,217,000	1,625,000	955,000	-2,185,000	-2,024,000	-1,502,163,000	1,498,104,000	7,841,000	-4,194,000	-3,032,000	-3,503,000
purchases of treasury stock	-115,297,000	-25,223,000	-11,863,000	-55,184,000	-46,912,000	-43,669,000	-37,861,000	-42,028,000	-19,829,000	-19,978,000	-318,000	-36,245,000	-23,301,000	-50,116,000	-57,350,000	-55,855,000	-49,309,000	-40,165,000	-13,964,000	-25,923,000	-403,000	-167,000	-448,000	-53,145,000	-14,934,000	-33,891,000	-46,380,000	-39,699,000	-35,656,000	-20,506,000	-2,002,000	-17,067,000	-6,451,000	-692,000	-3,344,000	-7,284,000	-905,000	-1,014,000	-1,030,000	-36,432,000	-14,029,000	74,428,000	-81,857,000	-1,718,000	-1,934,000	-51,000	-188,089,000	-20,900,000	-158,000	-23,903,000	-15,299,000	-29,993,000	-29,373,000	-3,884,000	-40,052,000	-31,600,000
cash dividends paid on common stock and distributions to non-controlling interest	-36,236,000	-36,997,000	-39,118,000	-37,886,000	-34,609,000
other	0	0	-2,000	-2,000
net cash from financing activities	389,265,000	-171,587,000	-361,455,000	132,734,000	847,430,000	410,608,000	-168,024,000	-1,462,951,000	-107,720,000	-1,454,207,000	860,779,000	-181,971,000	-690,308,000	-798,738,000	-1,403,569,000	-1,308,194,000	2,387,715,000	479,025,000	408,364,000	298,558,000	1,446,804,000	1,000,155,000	3,426,541,000	193,532,000	163,870,000	103,558,000	362,178,000	-713,667,000	262,367,000	478,628,000	-150,986,000	-366,757,000	-86,368,000	-229,805,000	-396,601,000	-211,762,000	941,515,000	-102,505,000	39,471,000	-225,919,000	604,486,000	102,935,000	-355,581,000	-43,499,000	1,155,373,000	-247,092,000	48,971,000	-424,203,000	776,550,000	191,123,000	-292,526,000	167,269,000	1,096,776,000	-59,530,000	211,387,000	-208,634,000
increase in cash, cash equivalents and restricted cash	593,494,000	-192,114,000	-127,570,000	-102,087,000	225,882,000	605,320,000	644,065,000	-786,558,000	478,767,000	-729,828,000	1,218,220,000	822,323,000	-111,275,000	-62,844,000	-533,670,000	-2,691,364,000	2,045,384,000	-294,766,000	165,512,000	172,496,000	650,852,000	-260,638,000			23,428,000	-77,075,000	355,023,000	-602,808,000	404,086,000	257,563,000	-37,355,000	60,594,000
cash, cash equivalents and restricted cash at beginning of year	0	0	0	3,375,992,000	0	0	0	2,687,283,000	0	0	0	897,801,000	0	0	0	4,296,954,000	0	0	0	2,208,328,000	0	0	0	907,808,000	0	0	0	1,209,240,000	0	0	0	524,352,000
cash, cash equivalents and restricted cash at end of year
interest paid on deposits and borrowings	87,933,000	95,039,000	90,381,000	89,831,000	124,050,000	109,978,000	109,131,000	110,008,000	109,160,000	102,812,000	77,331,000	47,209,000	29,779,000	15,443,000	5,795,000	2,723,000	2,832,000	3,304,000	4,156,000	5,753,000	6,737,000	9,676,000	13,251,000	22,581,000	24,358,000	26,714,000	25,066,000	21,668,000	19,165,000	15,706,000	14,533,000	13,835,000	11,303,000	11,184,000	11,518,000	9,685,000	7,458,000	7,906,000	8,459,000	8,073,000	6,823,000	6,973,000	7,147,000	6,817,000	6,940,000	7,336,000	7,073,000	6,869,000	7,476,000	8,519,000	8,281,000	8,156,000	9,137,000	10,265,000	9,818,000	10,115,000
loans transferred to foreclosed real estate	763,000	792,000	168,000	449,000	46,000	1,050,000	31,000	57,000	189,000	61,000	0	72,000	0	432,000	0	25,000	10,000	0	57,000	115,000	36,000	0	0	57,000	23,000	0	504,000	54,000	239,000	268,000	16,000	1,028,000	897,000	705,000	327,000	134,000	91,000	170,000	390,000	471,000	1,319,000	326,000	1,651,000	482,000	653,000	652,000	2,933,000	836,000	2,003,000	1,212,000	1,607,000	3,925,000	989,000	1,690,000	4,177,000	1,311,000
operating activities:
provision for depreciation and amortization		14,054,000	13,981,000	13,721,000		13,713,000	13,531,000	13,269,000		12,497,000	12,599,000	11,565,000		11,712,000	11,827,000	11,811,000	11,312,000	11,029,000	11,146,000	11,379,000	11,307,000	11,142,000			10,416,000	10,432,000	10,331,000	9,966,000						9,631,000	9,871,000	10,019,000				10,146,000			10,593,000	10,694,000	10,742,000
net decrease in trading debt securities, excluding unsettled transactions		-24,565,000	19,254,000	-21,277,000		-12,182,000	26,940,000	-40,529,000		-3,561,000	6,367,000	11,548,000		13,210,000	-8,928,000	9,798,000
investing activities:
financing activities:
net increase in federal funds purchased and securities sold under agreements to repurchase		-123,396,000	196,425,000	-526,722,000		-369,170,000	45,823,000	-403,239,000		-132,840,000	93,462,000	-57,175,000		80,294,000				-64,475,000								-753,020,000
cash, cash equivalents and restricted cash at september 30
income tax payments		37,112,000	96,554,000	562,000	40,081,000	20,158,000	64,861,000	1,029,000	33,939,000	32,093,000	61,068,000	3,857,000	24,349,000	30,058,000	60,948,000	1,640,000	31,676,000	32,549,000	52,930,000	2,510,000	31,316,000	53,917,000	3,663,000	1,170,000	22,007,000	28,119,000	24,692,000	1,350,000	38,050,000	21,153,000	24,822,000	147,000	33,295,000	32,828,000	51,771,000	2,850,000	31,065,000	28,645,000	57,228,000	2,658,000					34,170,000	40,848,000			30,005,000	18,878,000	63,422,000	2,031,000	14,991,000	39,376,000	55,528,000	9,271,000
cash, cash equivalents and restricted cash at june 30
cash, cash equivalents and restricted cash at march 31				3,273,905,000				1,900,725,000				1,720,124,000				1,605,590,000				2,380,824,000				899,514,000				606,432,000				584,946,000
purchase of interest rate floor derivative contracts
cash dividends paid on common stock							-34,960,000	-35,140,000	-33,574,000	-33,657,000	-33,744,000	-33,759,000	-31,648,000	-31,740,000	-31,935,000	-32,143,000	-30,489,000	-30,645,000	-30,760,000	-30,799,000	-30,178,000	-30,174,000	-30,174,000	-30,292,000	-27,933,000	-27,993,000	-28,682,000	-28,858,000	-24,977,000	-25,059,000	-25,096,000	-25,106,000	-22,897,000	-22,906,000	-22,903,000	-22,913,000	-21,776,000	-21,772,000	-21,762,000	-21,760,000	-20,920,000	-20,936,000	-21,353,000	-21,752,000	-20,666,000	-20,654,000	-21,331,000	-21,590,000	-20,568,000	-20,670,000	-20,431,000	-20,435,000	-150,789,000	-20,165,000	-39,580,000	-1,074,000
purchase of interest rate floor											0	-25,900,000
issuance of stock under equity compensation plans													-455,000	-1,000	0	448,000			0	-15,000	16,000	0	-1,000	-26,000	-5,000	0	1,000	-4,000	0	-1,000	-3,000	-6,000	-1,000	0	-1,000	-6,000	-3,000	-1,000			0	24,000	25,000	1,865,000
benefit from credit losses																								57,953,000
benefit from depreciation and amortization																								10,581,000								9,620,000					9,932,000	10,308,000			10,703,000						10,525,000	10,508,000			10,393,000	10,424,000	10,883,000	10,718,000	10,826,000	11,021,000
deferred income tax (benefit) expense
investment securities gains													-8,904,000	-3,410,000	-1,029,000	-7,163,000																										378,000	-2,143,000	-6,035,000										-3,180,000	-1,336,000	-4,040,000
net gains on sales of loans held for sale													-53,000	-663,000	-642,000	-1,302,000	-3,792,000	-5,172,000	-6,296,000	-7,381,000	-8,139,000	-6,441,000	-33,000	-1,793,000	-2,246,000	-3,297,000	-2,655,000	-1,929,000	-1,600,000	-2,099,000	-1,524,000	-1,147,000	-1,808,000	-2,653,000	-2,681,000	-866,000	-926,000	-1,930,000	-2,025,000	-969,000	-892,000	-950,000	-767,000	-467,000									0	-1,000	-17,000	-358,000
net increase in trading securities, excluding unsettled transactions																																					-3,482,000	-3,922,000
increase in interest receivable																								-1,681,000					763,000	-3,304,000	-2,461,000	744,000	-702,000			-686,000	-3,311,000	-391,000	533,000	-473,000	-2,340,000			-788,000				-1,421,000				-5,000	-1,579,000	233,000	670,000	3,825,000
proceeds from terminated interest rate floors
net increase in loans																-287,328,000				-72,497,000	66,234,000	-33,457,000	-1,329,642,000	-346,910,000	-290,452,000				-197,085,000			78,838,000	-250,084,000	-130,360,000	-65,220,000	-169,185,000	-191,637,000	-96,612,000	-400,287,000	-320,987,000	-223,098,000	-304,657,000	-217,103,000	-260,799,000	-33,362,000	-6,761,000	-245,731,000	-275,036,000	-142,008,000	-240,280,000	-396,848,000	-159,087,000	-203,565,000	-270,812,000	-137,158,000	-81,658,000
net decrease in certificates of deposit													5,865,000	-17,346,000	-133,753,000	-303,277,000				-73,000,000
preferred stock redemption																					0
cash dividends paid on preferred stock																					0	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000	-2,250,000
net decrease in federal funds purchased and securities sold under agreements to repurchase																-705,506,000				-160,273,000				-422,759,000				-233,638,000			34,430,000	-374,809,000
gain on sale of corporate trust business
accelerated share repurchase agreement																									0
net decrease in trading debt securities																		-10,380,000	-3,585,000	4,872,000		387,000					-1,045,000	4,632,000
decrease in interest payable																		-359,000	-1,005,000	-1,804,000																						105,000			47,000	-266,000			-250,000	-1,081,000			-205,000	-882,000
disbursements received from equity-method investment
net increase in short-term borrowings																		1,812,000	-1,597,000	2,989,000				754,043,000		252,928,000	2,542,000	-6,736,000			152,000	7,530,000
issuance of stock under purchase and equity compensation plans
long-term securities purchased under agreements to resell																									0				0				0												-200,000,000	0	-150,000,000	-100,000,000	0	-75,000,000	0	-50,000,000	-450,000,000
repayments of long-term securities purchased under agreements to resell																													0				0	0			250,000,000	100,000,000	0	50,000,000	100,000,000				50,000,000	50,000,000	150,000,000	300,000,000	0	125,000,000	0	50,000,000	100,000,000
repayment of long-term borrowings																										-55,000	-54,000	-54,000		-75,000	-75,000	-74,000		-72,000	-72,000	-74,000		-3,032,000												-50,018,000	-16,000	-927,000		-7,548,000	-228,000	-297,000
net decrease in short-term borrowings
net increase in trading debt securities																								-16,107,000								-18,543,000
decrease in cash, cash equivalents and restricted cash																								-8,294,000
provision for loan losses																									15,206,000	10,963,000	11,806,000	12,463,000						10,704,000	10,758,000	11,128,000				9,439,000			6,757,000	4,420,000	4,664,000
donation of securities
purchases of land, buildings and equipment																													-11,936,000	-7,833,000	-8,543,000	-4,982,000	-7,971,000	-8,736,000	-8,661,000	-5,456,000	-5,999,000	-4,830,000	-6,260,000	-7,389,000	-9,179,000	-7,195,000	-6,948,000	-8,575,000	-9,453,000	-19,622,000	-10,629,000	-3,954,000	-5,110,000	-8,018,000	-4,846,000	-5,867,000	-15,726,000	-7,540,000	-6,310,000	-5,393,000
sales of land, buildings and equipment																													11,085,000	675,000	949,000	718,000	620,000	43,000	1,810,000	717,000	4,281,000	432,000	4,879,000	520,000	793,000	1,322,000	3,427,000	3,000	2,253,000	909,000	2,069,000	5,000	2,769,000	8,000	311,000	404,000	305,000	595,000	1,042,000	701,000
net decrease in non-interest bearing, savings, interest checking and money market deposits																										850,540,000																				-197,704,000	-139,865,000	-132,858,000				-138,419,000
loans transferred from held for investment to held for sale																																					0	-7,672,000	0	50,360,000
benefit from loan losses																																10,396,000					10,400,000	7,263,000			9,186,000						7,555,000	9,660,000			7,379,000	3,285,000	8,326,000	5,581,000	5,215,000	8,165,000
investment securities																																-5,410,000						1,965,000									2,558,000	-10,037,000			1,568,000	2,165,000
net decrease in time open and c.d.'s																														-11,011,000																								-202,160,000
(a) available for sale debt securities, equity securities and other securities
net increase in time open and c.d.'s																																-9,961,000		-267,095,000	-331,419,000	174,052,000		-252,829,000	-150,838,000	418,177,000			-101,970,000	12,921,000		-269,997,000	84,840,000	167,862,000		-199,819,000	-29,680,000	310,948,000				35,703,000
investment securities (gains) losses
net increase in time open and c.d.’s
net decrease in other borrowings
accelerated share repurchase agreements																																									0
increase in cash and cash equivalents																																			-7,473,000	-243,835,000			69,041,000	53,488,000					378,260,000				320,490,000				210,464,000	58,696,000	76,240,000	-83,126,000
cash and cash equivalents at beginning of year																																	0	0	0	782,435,000	0	0	0	502,719,000	0	0	0	1,100,717,000	0	0	0	1,269,514,000	0	0	0	779,825,000	0	0	0	517,551,000
cash and cash equivalents at end of year
settlement of accelerated share repurchase agreement and receipt of treasury stock
additional long-term borrowings																																						569,000
decrease in cash and cash equivalents																																										-242,599,000	149,078,000	-548,446,000			-183,310,000	-521,328,000			-191,302,000	-159,030,000
cash and cash equivalents at september 30
(a) available for sale and non-marketable securities
net decrease in federal funds purchased and short-term securities sold under agreements to repurchase																																			-64,705,000	-402,756,000			674,884,000	-1,006,164,000			55,580,000	-252,055,000
cash and cash equivalents at june 30
cash and cash equivalents at march 31																																				538,600,000				556,207,000				552,271,000				748,186,000				620,795,000				434,425,000
excess tax benefit related to equity compensation plans																																					-761,000	-725,000	-668,000	-1,236,000	-261,000	-209,000
cash paid in sales of branches																																													0
repayment of long-term securities sold under agreements to repurchase																																													0	-200,000,000	0	-150,000,000
proceeds from issuance of preferred stock																																													0	-32,000
settlement of accelerated stock repurchase agreement and receipt of treasury stock																																										0
proceeds from sales and repayments of loans held for sale
repayment of other long-term borrowings																																								-12,000	-13,000	-12,000	-11,000	-204,000	-1,019,000	-19,000	-18,000	-196,000
cash and cash equivalents received in acquisition
net decrease in time open and c.d.’s
net increase in other short-term borrowings
loans transferred from held for sale to held for investment category																																																	0
net increase in trading securities																																																			-2,144,000	9,609,000	-15,099,000	9,460,000	7,294,000	-11,300,000
net decrease in other short-term borrowings																																														0	0	-2,000,000
income tax net payments																																										28,783,000	39,124,000	2,953,000				-807,000
net decrease in trading securities																																											3,051,000	-4,361,000	1,450,000	-2,290,000	248,000	16,597,000
accelerated stock repurchase agreements
net tax benefit related to equity compensation plans																																												-857,000	-393,000	-366,000	-291,000	-800,000	-549,000	-245,000	-28,000	-181,000	-861,000	-489,000	-95,000	-649,000
accelerated stock repurchase agreement																																													0	0
cash received in acquisition
issuance of stock under stock purchase and equity compensation plans																																														1,962,000	1,156,000	4,085,000	2,088,000	1,595,000	3,953,000	2,606,000	5,822,000	2,981,000	831,000	5,954,000
net increase in short-term federal funds purchased and securities sold under
agreements to repurchase																																															227,171,000	-269,406,000		189,699,000	493,836,000	43,308,000		-47,796,000	182,757,000	-133,093,000
net increase in short-term federal funds purchased and securities sold under agreements to repurchase
cash dividends payable on common stock at end of period																																																								19,364,000
gain on sale of held to maturity student loans
proceeds from sales of available for sale securities
proceeds from maturities/pay downs of available for sale securities
purchases of available for sale securities
long-term securities sold under agreements to repurchase
net decrease in short-term federal funds purchased and securities sold under
deferred income tax benefit
prepayment of fdic insurance premiums
net cash and cash equivalents paid in dispositions
additional other long-term borrowings
issuance of stock under open market stock sale program, stock purchase and equity compensation plans

Commerce Bancshares, Inc(NASDAQ:CBSH)

Commerce Bancshares, Inc
(NASDAQ:CBSH)