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Consolidated Statements Of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
INTEREST INCOME      
Interest and fees on loans $ 446,331 $ 463,511 $ 507,666
Interest on loans held for sale 361 1,115 6,091
Interest on investment securities 211,682 219,348 212,697
Interest on short-term federal funds sold and securities purchased under agreements to resell 82 55 48
Interest on long-term securities purchased under agreements to resell 19,174 13,455 2,549
Interest on deposits with banks 339 487 427
Total interest income 677,969 697,971 729,478
INTEREST EXPENSE      
Savings, interest checking and money market 18,682 25,856 29,298
Time open and C.D.’s of less than $100,000 7,918 11,352 22,871
Time open and C.D.’s of $100,000 and over 7,174 9,272 13,847
Interest on federal funds purchased and securities sold under agreements to repurchase 808 1,741 2,584
Interest on other borrowings 3,481 3,680 14,946
Total interest expense 38,063 51,901 83,546
Net interest income 639,906 646,070 645,932
Provision for loan losses 27,287 51,515 100,000
Net interest income after provision for loan losses 612,619 594,555 545,932
NON-INTEREST INCOME      
Bank card transaction fees 154,197 157,077 148,888
Trust fees 94,679 88,313 80,963
Deposit account charges and other fees 79,485 82,651 92,637
Capital market fees 21,066 19,846 21,098
Consumer brokerage services 10,162 10,018 9,190
Loan fees and sales 6,037 7,580 23,116
Other 34,004 27,432 29,219
Total non-interest income 399,630 392,917 405,111
INVESTMENT SECURITIES GAINS (LOSSES), NET      
Impairment reversals on securities 11,223 2,190 13,058
Noncredit-related reversals on securities not expected to be sold (12,713) (4,727) (18,127)
Net impairment losses (1,490) (2,537) (5,069)
Realized gains on sales and fair value adjustments 6,318 13,349 3,284
Investment securities gains (losses), net 4,828 10,812 (1,785)
NON-INTEREST EXPENSE      
Salaries and employee benefits 360,899 345,325 346,550
Net occupancy 45,534 46,434 46,987
Equipment 20,147 22,252 23,324
Supplies and communication 22,321 22,448 27,113
Data processing and software 73,798 68,103 67,935
Marketing 15,106 16,767 18,161
Deposit insurance 10,438 13,123 19,246
Debit overdraft litigation 0 18,300 0
Debt extinguishment 0 0 11,784
Other 70,226 64,497 70,034
Total non-interest expense 618,469 617,249 631,134
Income before income taxes 398,608 381,035 318,124
Less income taxes 127,169 121,412 96,249
Net income 271,439 259,623 221,875
Less non-controlling interest expense 2,110 3,280 165
NET INCOME ATTRIBUTABLE TO COMMERCE BANCSHARES, INC. $ 269,329 $ 256,343 $ 221,710
Net income per common share - basic (in dollars per share) $ 2.91 $ 2.70 $ 2.30
Net income per common share - diluted (in dollars per share) $ 2.90 $ 2.69 $ 2.29