Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020		Jun. 30, 2019
INTEREST INCOME
Loans	$ 151,545	$ 167,709	$ 310,692		$ 334,141
Interest and fees on loans held for sale	127	361	324		695
Interest on investment securities	50,472	64,658	103,857		120,080
Interest on federal funds sold and short-term securities purchased under agreements to resell	0	11	2		44
Interest on Long-Term Securities Purchased Under Agreements To Resell	10,736	3,687	18,198		7,445
Interest on deposits with banks	443	1,986	1,735		3,872
Total interest income	213,323	238,412	434,808		466,277
INTEREST EXPENSE
Savings, interest checking and money market	3,977	10,254	12,286		19,856
Certificates of deposit of less than $100,000	1,393	1,531	3,168		2,790
Certificates of deposit of $100,000 and over	3,610	6,931	8,845		12,933
Interest on federal funds purchased and securities sold under agreements to repurchase	585	8,057	5,355		15,566
Interest on other borrowings	701	5	1,032		10
Total interest expense	10,266	26,778	30,686		51,155
Net interest income	203,057	211,634	404,122		415,122
Provision for loan losses	80,539	11,806	138,492		24,269
Net interest income after provision for loan losses	122,518	199,828	265,630		390,853
NON-INTEREST INCOME
Bank card transaction fees	33,745	42,646	73,945		82,290
Trust fee revenue	37,942	38,375	77,907		75,631
Deposit fee revenue	22,279	23,959	45,956		46,977
Capital market fees	3,772	1,944	7,562		3,823
Consumer brokerage services	3,011	3,888	7,088		7,635
Loan fees and sales	4,649	4,238	7,884		7,547
Other	12,117	12,209	20,836		24,596
Total non-interest income	117,515	127,259	241,178		248,499
INVESTMENT SECURITIES GAINS (LOSSES), NET
Investment securities gains (losses), net	(4,129)	(110)	(17,430)	[1]	(1,035)	[1]
NON-INTEREST EXPENSE
Salaries and employee benefits	126,759	120,062	255,696		242,190
Net occupancy	11,269	11,145	23,017		22,646
Equipment	4,755	4,790	9,576		9,261
Supplies and communication	4,427	5,275	9,085		10,437
Data processing and software	23,837	23,248	47,392		45,508
Marketing	3,801	6,015	9,780		11,915
Other	12,664	19,244	26,664		39,247
Total non-interest expense	187,512	189,779	381,210		381,204
Income before income taxes	48,392	137,198	108,168		257,113
Less income taxes	9,661	28,899	19,834		51,759
Net income	38,731	108,299	88,334		205,354
Less non-controlling interest expense (income)		328	(3,386)		245
Net income attributable to Commerce Bancshares, Inc.	39,863	107,971	91,720		205,109
Preferred Stock Dividends	2,250	2,250	4,500		4,500
Net Income (Loss) Available to Common Stockholders	$ 37,613	$ 105,721	$ 87,220		$ 200,609
Net income per common share — basic	$ 0.34	$ 0.91	$ 0.78		$ 1.72
Net income per common share — diluted	$ 0.34	$ 0.91	$ 0.78		$ 1.72

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