Consolidated Statements Of Income - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019
INTEREST INCOME
Loans		$ 159,147	$ 166,432
Interest and fees on loans held for sale		197	334
Interest on investment securities		53,385	55,422
Interest on federal funds sold and short-term securities purchased under agreements to resell		2	33
Interest on long-term securities purchased under agreements to resell		7,462	3,758
Interest on deposits with banks		1,292	1,886
Total interest income		221,485	227,865
INTEREST EXPENSE
Savings, interest checking and money market		8,309	9,602
Certificates of deposit of less than $100,000		1,775	1,259
Certificates of deposit of $100,000 and over		5,235	6,002
Interest on federal funds purchased and securities sold under agreements to repurchase		4,770	7,509
Interest on other borrowings		331	5
Total interest expense		20,420	24,377
Net interest income		201,065	203,488
Provision for loan losses		57,953	12,463
Net interest income after provision for loan losses		143,112	191,025
NON-INTEREST INCOME
Bank card transaction fees		40,200	39,644
Trust fee revenue		39,965	37,256
Deposit fee revenue		23,677	23,018
Capital market fees		3,790	1,879
Consumer brokerage services		4,077	3,747
Loan fees and sales		3,235	3,309
Other		8,719	12,387
Total non-interest income		123,663	121,240
INVESTMENT SECURITIES GAINS (LOSSES), NET
Investment securities gains (losses), net	[1]	(13,301)	(925)
NON-INTEREST EXPENSE
Salaries and employee benefits		128,937	122,128
Net occupancy		11,748	11,501
Equipment		4,821	4,471
Supplies and communication		4,658	5,162
Data processing and software		23,555	22,260
Marketing		5,979	5,900
Other		14,000	20,003
Total non-interest expense		193,698	191,425
Income before income taxes		59,776	119,915
Less income taxes		10,173	22,860
Net income		49,603	97,055
Less non-controlling interest expense (income)		(2,254)	(83)
Net income attributable to Commerce Bancshares, Inc.		51,857	97,138
Preferred Stock Dividends		2,250	2,250
Net Income (Loss) Available to Common Stockholders		$ 49,607	$ 94,888
Net income per common share — basic		$ 0.44	$ 0.81
Net income per common share — diluted		$ 0.44	$ 0.81

[1] Available for sale debt securities, equity securities, and other securities.