Consolidated Statements Of Income (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012		Sep. 30, 2011
INTEREST INCOME
Interest and fees on loans	$ 111,619	$ 114,731	$ 335,627		$ 349,877
Interest and fees on loans held for sale	85	270	278		877
Interest on investment securities	46,513	51,697	157,832		164,298
Interest on short-term federal funds sold and securities purchased under agreements to resell	24	13	70		45
Interest on long-term securities purchased under agreements to resell	4,913	3,913	13,770		9,240
Interest on deposits with banks	40	211	207		411
Total interest income	163,194	170,835	507,784		524,748
INTEREST EXPENSE
Savings, interest checking and money market	4,623	6,445	14,338		19,717
Time open and C.D.'s of less than $100,000	1,945	2,413	6,055		9,121
Time open and C.D.'s of $100,000 and over	1,743	2,130	5,482		7,237
Interest on federal funds purchased and securities sold under agreements to repurchase	221	292	623		1,601
Interest on other borrowings	851	925	2,633		2,759
Total interest expense	9,383	12,205	29,131		40,435
Net interest income	153,811	158,630	478,653		484,313
Provision for loan losses	5,581	11,395	18,961		39,372
Net interest income after provision for loan losses	148,230	147,235	459,692		444,941
NON-INTEREST INCOME
Bank card transaction fees	39,488	42,149	112,655		120,915
Trust fees	23,681	22,102	70,328		66,218
Deposit account charges and other fees	19,873	21,939	59,184		62,028
Capital market fees	5,110	5,556	16,991		15,255
Consumer brokerage services	2,441	2,333	7,543		7,876
Loan fees and sales	1,358	2,034	4,625		5,933
Other	8,971	5,519	24,995		20,657
Total non-interest income	100,922	101,632	296,321		298,882
INVESTMENT SECURITIES GAINS (LOSSES), NET
Impairment (losses) reversals on debt securities	5,989	(1,200)	11,579		2,986
Noncredit-related losses (reversals) on securities not expected to be sold	(6,546)	369	(12,806)		(4,741)
Net impairment losses	(557)	(831)	(1,227)		(1,755)
Realized gains on sales and fair value adjustments	3,737	3,418	9,783		7,625
Investment securities gains, net	3,180	2,587	8,556	[1]	5,870	[1]
NON-INTEREST EXPENSE
Salaries and employee benefits	89,292	85,700	266,346		257,315
Net occupancy	11,588	11,510	33,953		34,760
Equipment	4,976	5,390	15,164		16,669
Supplies and communication	5,400	5,674	16,680		16,898
Data processing and software	19,279	16,232	55,030		50,230
Marketing	4,100	4,545	12,391		13,298
Deposit insurance	2,608	2,772	7,746		10,443
Other	16,148	21,923	52,882		61,606
Total non-interest expense	153,391	153,746	460,192		461,219
Income before income taxes	98,941	97,708	304,377		288,474
Less income taxes	32,155	31,699	99,541		91,898
Net income	66,786	66,009	204,836		196,576
Less non-controlling interest expense	780	657	2,298		1,737
Net income attributable to Commerce Bancshares, Inc.	$ 66,006	$ 65,352	$ 202,538		$ 194,839
Net income per common share - basic	$ 0.75	$ 0.72	$ 2.29		$ 2.14
Net income per common share - diluted	$ 0.75	$ 0.72	$ 2.29		$ 2.13

[1] Available for sale and non-marketable securities