Commerce Bancshares Financials


Commerce Bancshares has total assets of $16,856 million and year-to-date net operating income of $132 million. Commerce Bancshares financials obtained from the Federal Deposit Insurance Corporation (FDIC). Financial data is updated quarterly in Call Reports or Thrift Financial Reports filed by the bank. Data last updated on December 1, 2008 for the period ending on September 30, 2008.	Profile Financials Chargeoff Statistics Delinquency Statistics Assets Securitized and Sold Performance and Condition Ratios

			All Banks

Assets	$ (millions)	% of Assets	$ (millions)	% of Assets
Loans Secured by Real Estate	5,248	31.13%	4,750,985	34.90%
1-4 Family Residential Mortgages	2,281	13.53%	2,754,199	20.23%
First Lien	1,660	9.85%	1,864,576	13.70%
Second Lien	145	0.86%	237,504	1.74%
Home Equity Lines	477	2.83%	652,119	4.79%
Multifamily Residential	141	0.84%	205,193	1.51%
Nonfarm Residential	1,875	11.12%	1,043,393	7.66%
Construction and Development	835	4.95%	617,055	4.53%
Farmland Loans	116	0.69%	62,138	0.46%
Loans Held in Foreign Offices	0	0.00%	69,008	0.51%
Commericial and Industrial Loans	2,697	16.00%	1,510,091	11.09%
Loans to Individuals	2,637	15.65%	1,082,731	7.95%
Credit Cards	806	4.78%	411,627	3.02%
Farm Loans	122	0.72%	59,656	0.44%
Other Loans and Leases	679	4.03%	595,646	4.38%
Less: Unearned Income	0	0.00%	2,741	0.02%
Total Loans and Leases	11,383	67.53%	8,000,084	58.77%
Less: Reserve for Losses	156	0.93%	156,065	1.15%
Net Loans and Leases	11,227	66.61%	7,844,019	57.62%
Securities	3,590	21.30%	2,027,739	14.90%
Other Real Estate Owned	5	0.03%	22,966	0.17%
Goodwill and Intangibles	144	0.85%	484,178	3.56%
All Other Assets	1,890	11.22%	3,207,062	23.56%
Total Assets	$16,856	100.00%	$13,613,150	100.00%

			All Banks

Liabilities and Capital	$ (millions)	% of Assets	$ (millions)	% of Assets
Deposits	12,328	73.14%	8,749,418	64.27%
Domestic Deposits	12,328	73.14%	7,230,058	53.11%
Transaction Accounts	1,702	10.10%	809,200	5.94%
Nontransaction Accounts	10,626	63.04%	6,420,965	47.17%
Money Market	6,535	38.77%	2,798,868	20.56%
Other Savings Accounts	404	2.40%	841,348	6.18%
Time Deposits	3,687	21.87%	2,773,205	20.37%
Foreign Deposits	0	0.00%	1,519,360	11.16%
Federal Funds Purchased	1,660	9.85%	936,578	6.88%
Trading Liabilities	0	0.00%	356,967	2.62%
Subordinated Debt	0	0.00%	176,833	1.30%
Other Borrowed Funds	1,229	7.29%	1,684,829	12.38%
All Other Liabilities	210	1.25%	401,428	2.95%
Equity Capital	1,428	8.47%	1,307,097	9.60%
Total Liabilities and Capital	$16,856	100.00%	$13,613,150	100.00%

			All Banks

Income Data (2008 YTD)	$ (millions)	% of Assets*	$ (millions)	% of Assets*
Total Interest Income	638	5.05%	487,019	4.77%
Total Interest Expense	204	1.61%	207,949	2.04%
Net Interest Income	434	3.43%	279,070	2.73%
Provision for Loan and Lease Losses	68	0.53%	124,517	1.22%
Total Noninterest Income	321	2.54%	175,521	1.72%
Total Noninterest Expense	494	3.91%	274,323	2.69%
Salaries and Benefits	217	1.72%	122,518	1.20%
Premises and Equipment Expense	51	0.40%	33,971	0.33%
Additional Noninterest Expense	226	1.79%	117,834	1.15%
Securities Gains (Losses)	-2	-0.01%	-8,037	-0.08%
Applicable Income Taxes	60	0.47%	15,679	0.15%
Extraordinary Gains, Net	0	0.00%	534	0.01%
Net Income	131	1.04%	32,569	0.32%
Cash Dividends, Net	55	0.43%	42,592	0.42%
Retained Earnings	76	0.60%	-10,023	-0.10%
Net Operating Income	$132	1.05%	$37,457	0.37%

* Annualized

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