Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020		Sep. 30, 2019
INTEREST INCOME
Loans	$ 150,808	$ 167,959	$ 461,500		$ 502,100
Interest and fees on loans held for sale	264	308	588		1,003
Interest on investment securities	60,534	58,607	164,391		178,687
Interest on federal funds sold and short-term securities purchased under agreements to resell	0	7	2		51
Interest on Long-Term Securities Purchased Under Agreements To Resell	11,247	3,621	29,445		11,066
Interest on deposits with banks	261	1,241	1,996		5,113
Total interest income	223,114	231,743	657,922		698,020
INTEREST EXPENSE
Savings, interest checking and money market	3,206	10,225	15,492		30,081
Certificates of deposit of less than $100,000	1,028	1,740	4,196		4,530
Certificates of deposit of $100,000 and over	2,512	7,540	11,357		20,473
Interest on federal funds purchased and securities sold under agreements to repurchase	406	8,273	5,761		23,839
Interest on other borrowings	0	453	1,032		463
Total interest expense	7,152	28,231	37,838		79,386
Net interest income	215,962	203,512	620,084		618,634
Provision for loan losses	3,101	10,963	141,593		35,232
Net interest income after provision for loan losses	212,861	192,549	478,491		583,402
NON-INTEREST INCOME
Bank card transaction fees	37,873	44,510	111,818		126,800
Trust fee revenue	40,769	39,592	118,676		115,223
Deposit fee revenue	23,107	24,032	69,063		71,009
Capital market fees	3,194	1,787	10,756		5,610
Consumer brokerage services	4,011	4,030	11,099		11,665
Loan fees and sales	9,769	4,755	17,653		12,302
Other	10,849	14,037	31,685		38,633
Total non-interest income	129,572	132,743	370,750		381,242
INVESTMENT SECURITIES GAINS (LOSSES), NET
Investment securities gains (losses), net	16,155	4,909	(1,275)	[1]	3,874	[1]
NON-INTEREST EXPENSE
Salaries and employee benefits	127,308	123,836	383,004		366,026
Net occupancy	12,058	12,293	35,075		34,939
Equipment	4,737	4,941	14,313		14,202
Supplies and communication	4,141	5,106	13,226		15,543
Data processing and software	23,610	23,457	71,002		68,965
Marketing	4,926	6,048	14,706		17,963
Other	14,078	15,339	40,742		54,586
Total non-interest expense	190,858	191,020	572,068		572,224
Income before income taxes	167,730	139,181	275,898		396,294
Less income taxes	34,375	29,101	54,209		80,860
Net income	133,355	110,080	221,689		315,434
Less non-controlling interest expense (income)		838	(2,479)		1,083
Net income attributable to Commerce Bancshares, Inc.	132,448	109,242	224,168		314,351
Preferred Stock Dividends	7,466	2,250	11,966		6,750
Net Income (Loss) Available to Common Stockholders	$ 124,982	$ 106,992	$ 212,202		$ 307,601
Net income per common share — basic	$ 1.12	$ 0.93	$ 1.90		$ 2.65
Net income per common share — diluted	$ 1.11	$ 0.93	$ 1.89		$ 2.65

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