Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022		Jun. 30, 2021
INTEREST INCOME
Interest and fees on loans	$ 142,526	$ 144,584	$ 274,601		$ 290,922
Interest and fees on loans held for sale	161	245	311		549
Interest on investment securities	88,635	55,143	161,740		106,700
Interest on federal funds sold and short-term securities purchased under agreements to resell	19	2	20		2
Interest on Long-Term Securities Purchased Under Agreements To Resell	4,385	10,416	9,685		21,544
Interest on deposits with banks	2,428	743	3,579		1,113
Total interest income	238,154	211,133	449,936		420,830
INTEREST EXPENSE
Savings, interest checking and money market	2,278	1,844	4,038		3,947
Certificates of deposit of less than $100,000	205	327	344		800
Certificates of deposit of $100,000 and over	470	661	897		1,723
Interest on federal funds purchased and securities sold under agreements to repurchase	2,926	320	3,615		632
Interest on other borrowings	(110)	(1)	(129)		(2)
Total interest expense	5,769	3,151	8,765		7,100
Net interest income	232,385	207,982	441,171		413,730
Provision for credit losses	7,162	(45,655)	(2,696)		(51,887)
Net interest income after credit losses	225,223	253,637	443,867		465,617
NON-INTEREST INCOME
Bank card transaction fees	43,873	42,608	85,918		80,303
Trust fees	46,792	46,257	94,603		90,384
Deposit account charges and other fees	25,564	23,988	47,871		46,563
Capital market fees	3,327	3,327	7,452		8,308
Consumer brokerage services	5,068	4,503	9,514		8,584
Loan fees and sales	3,246	7,446	7,481		17,630
Other	11,557	11,014	18,357		23,416
Total non-interest income	139,427	139,143	271,196		275,188
INVESTMENT SECURITIES GAINS (LOSSES), NET
INVESTMENT SECURITIES GAINS, NET	1,029	16,804	8,192	[1]	26,657	[1]
NON-INTEREST EXPENSE
Salaries and employee benefits	142,243	130,751	278,196		259,784
Net occupancy	12,503	11,527	24,799		23,548
Equipment	4,734	4,605	9,302		8,958
Supplies and communication	4,361	4,033	9,074		8,158
Data processing and software	27,635	24,954	54,651		50,417
Marketing	5,836	5,680	12,180		10,838
Other	16,193	16,576	30,951		28,996
Total non-interest expense	213,505	198,126	419,153		390,699
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	152,174	211,458	304,102		376,763
Less income taxes	32,021	45,209	63,923		77,285
Net income	120,153	166,249	240,179		299,478
Less non-controlling interest expense (income)	4,359	3,923	6,231		6,180
Net income attributable to Commerce Bancshares, Inc.	$ 115,794	$ 162,326	$ 233,948		$ 293,298
Net income per common share — basic	$ 0.96	$ 1.32	$ 1.93		$ 2.38
Net income per common share — diluted	$ 0.96	$ 1.32	$ 1.93		$ 2.38

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