Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022		Sep. 30, 2021
INTEREST INCOME
Interest and fees on loans	$ 171,272	$ 142,887	$ 445,873		$ 433,809
Interest and fees on loans held for sale	159	187	470		736
Interest on investment securities	79,586	63,904	241,326		170,604
Interest on federal funds sold and short-term securities purchased under agreements to resell	94	1	114		3
Interest on Long-Term Securities Purchased Under Agreements To Resell	5,984	9,007	15,669		30,551
Interest on deposits with banks	5,571	995	9,150		2,108
Total interest income	262,666	216,981	712,602		637,811
INTEREST EXPENSE
Savings, interest checking and money market	7,545	1,817	11,583		5,764
Certificates of deposit of less than $100,000	411	206	755		1,006
Certificates of deposit of $100,000 and over	871	450	1,768		2,173
Interest on federal funds purchased and securities sold under agreements to repurchase	7,891	480	11,506		1,112
Interest on other borrowings	(425)	(9)	(554)		(11)
Total interest expense	16,293	2,944	25,058		10,044
Net interest income	246,373	214,037	687,544		627,767
Provision for credit losses	15,290	(7,385)	12,594		(59,272)
Net interest income after credit losses	231,083	221,422	674,950		687,039
NON-INTEREST INCOME
Trust fee revenue	45,406	48,950	140,009		139,334
Bank card transaction fees	45,638	42,815	131,556		123,118
Deposit account charges and other fees	24,521	25,161	72,392		71,724
Consumer brokerage services	5,085	4,900	14,599		13,484
Capital market fees	3,393	3,794	10,845		12,102
Loan fees and sales	3,094	6,842	10,575		24,472
Other	11,377	5,044	29,734		28,460
Total non-interest income	138,514	137,506	409,710		412,694
INVESTMENT SECURITIES GAINS (LOSSES), NET
INVESTMENT SECURITIES GAINS, NET	3,410	13,108	11,602	[1]	39,765	[1]
NON-INTEREST EXPENSE
Salaries and employee benefits	137,393	132,824	415,589		392,608
Data processing and software	28,050	25,598	82,701		76,015
Net occupancy	12,544	12,329	37,343		35,877
Equipment	5,036	4,440	14,338		13,398
Supplies and communication	4,581	4,530	13,655		12,688
Marketing	6,228	5,623	18,408		16,461
Other	19,052	26,276	50,003		55,272
Total non-interest expense	212,884	211,620	632,037		602,319
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	160,123	160,416	464,225		537,179
Less income taxes	33,936	34,662	97,859		111,947
Net income	126,187	125,754	366,366		425,232
Less non-controlling interest expense (income)	3,364	3,193	9,595		9,373
Net income attributable to Commerce Bancshares, Inc.	$ 122,823	$ 122,561	$ 356,771		$ 415,859
Net income per common share — basic	$ 1.03	$ 1.00	$ 2.96		$ 3.38
Net income per common share — diluted	$ 1.02	$ 0.99	$ 2.95		$ 3.37

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