XML 70 R46.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2
Regulatory Capital Requirements (Tables)
 12 Months Ended
Dec. 31, 2019
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
Schedule Of Capital Amounts And Ratios On Consolidated Basis
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, 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, 2019
 
 
 
 
 
 
 
 
Total Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
3,052,079

15.48
%
 
$
1,577,105

8.00
%
 
N.A.

N.A.

Commerce Bank
2,583,676

13.19

 
1,566,866

8.00

 
$
1,958,583

10.00
%
Tier I Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,890,322

14.66
%
 
$
1,182,829

6.00
%
 
N.A.

N.A.

Commerce Bank
2,421,919

12.37

 
1,175,150

6.00

 
$
1,566,866

8.00
%
Tier I Common Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,745,538

13.93
%
 
$
887,122

4.50
%
 
N.A.

N.A.

Commerce Bank
2,421,919

12.37

 
881,362

4.50

 
$
1,273,079

6.50
%
Tier I Capital (to adjusted quarterly average assets):
 
 
 
 
 
 
 
 
(Leverage Ratio)
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,890,322

11.38
%
 
$
1,015,771

4.00
%
 
N.A.

N.A.

Commerce Bank
2,421,919

9.57

 
1,012,232

4.00

 
$
1,265,290

5.00
%
December 31, 2018
 
 
 
 
 
 
 
 
Total Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
3,022,023

15.82
%
 
$
1,528,317

8.00
%
 
N.A.

N.A.

Commerce Bank
2,655,591

13.98

 
1,519,169

8.00

 
$
1,898,962

10.00
%
Tier I Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,861,016

14.98
%
 
$
1,146,238

6.00
%
 
N.A.

N.A.

Commerce Bank
2,494,584

13.14

 
1,139,377

6.00

 
$
1,519,169

8.00
%
Tier I Common Capital (to risk-weighted assets):
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,716,232

14.22
%
 
$
859,678

4.50
%
 
N.A.

N.A.

Commerce Bank
2,494,584

13.14

 
854,533

4.50

 
$
1,234,325

6.50
%
Tier I Capital (to adjusted quarterly average assets):
 
 
 
 
 
 
 
 
(Leverage Ratio)
 
 
 
 
 
 
 
 
Commerce Bancshares, Inc. (consolidated)
$
2,861,016

11.52
%
 
$
993,564

4.00
%
 
N.A.

N.A.

Commerce Bank
2,494,584

10.07

 
991,185

4.00

 
$
1,238,981

5.00
%