Regulatory Capital Requirements

12 Months Ended

Dec. 31, 2016

Regulatory Capital Requirements [Abstract]

Regulatory Capital Requirements

Regulatory Capital Requirements

The Company is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and additional discretionary actions by regulators that could have a direct material effect on the Company’s financial statements. The regulations require the Company to meet specific capital adequacy guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s capital classification is also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

The following tables show the capital amounts and ratios for the Company (on a consolidated basis) and the Bank, together with the minimum capital adequacy and well-capitalized capital requirements (under Basel III transition provisions, if applicable), at the last two year ends.

	Actual				Minimum Capital Adequacy Requirement				Well-Capitalized Capital Requirement
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2016
Total Capital (to risk-weightedassets):
Commerce Bancshares, Inc. (consolidated)	$	2,529,675	13.32	%	$	1,519,578	8.00	%	N.A.		N.A.
Commerce Bank	2,268,845		12.00		1,512,471		8.00		$	1,890,589	10.00	%
Tier I Capital (to risk-weightedassets):
Commerce Bancshares, Inc. (consolidated)	$	2,352,154	12.38	%	$	1,139,684	6.00	%	N.A.		N.A.
Commerce Bank	2,111,797		11.17		1,134,353		6.00		$	1,512,471	8.00	%
Tier I Common Capital (to risk-weightedassets):
Commerce Bancshares, Inc. (consolidated)	$	2,207,370	11.62	%	$	854,763	4.50	%	N.A.		N.A.
Commerce Bank	2,111,797		11.17		850,765		4.50		$	1,228,883	6.50	%
Tier I Capital (to adjusted quarterly average assets):
(Leverage Ratio)
Commerce Bancshares, Inc. (consolidated)	$	2,352,154	9.55	%	$	985,698	4.00	%	N.A.		N.A.
Commerce Bank	2,111,797		8.59		983,081		4.00		$	1,228,851	5.00	%
December 31, 2015
Total Capital (to risk-weightedassets):
Commerce Bancshares, Inc. (consolidated)	$	2,364,761	13.28	%	$	1,424,764	8.00	%	N.A.		N.A.
Commerce Bank	2,135,668		12.07		1,415,812		8.00		$	1,769,765	10.00	%
Tier I Capital (to risk-weightedassets):
Commerce Bancshares, Inc. (consolidated)	$	2,196,258	12.33	%	$	1,068,573	6.00	%	N.A.		N.A.
Commerce Bank	1,983,051		11.21		1,061,859		6.00		$	1,415,812	8.00	%
Tier I Common Capital (to risk-weightedassets):
Commerce Bancshares, Inc. (consolidated)	$	2,051,474	11.52	%	$	801,430	4.50	%	N.A.		N.A.
Commerce Bank	1,983,051		11.21		796,394		4.50		$	1,150,347	6.50	%
Tier I Capital (to adjusted quarterly average assets):
(Leverage Ratio)
Commerce Bancshares, Inc. (consolidated)	$	2,196,258	9.23	%	$	951,370	4.00	%	N.A.		N.A.
Commerce Bank	1,983,051		8.37		948,259		4.00		$	1,185,324	5.00	%

The Basel III minimum required ratios for well-capitalized banks (under prompt corrective action provisions) are 6.5% for Tier I common capital, 8.0% for Tier I capital, 10.0% for Total capital and 5.0% for the leverage ratio. These thresholds were effective January 1, 2015.

At December 31, 2016 and 2015, the Company met all capital requirements to which it is subject, and the Bank’s capital position exceeded the regulatory definition of well-capitalized.