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COMMERCE BANCSHARES, INC.

LOCATION: KANSAS CITY, MO

TYPE: HOLDING COMPANY

TOTAL ASSETS: $30,599MM


Affiliated Institutions

    Subsidiary COMMERCE BANK

    IDC Rank of Financial Ratios 2024-Q2:

    CAMEL Analysis

    Capital Ratios - A Foundation for Safety and Soundness

    Tier 1 Capital % Tier 1 Assets

    Risk Based Capital % Risk Based Assets

    Tier I Capital % Risk Based Assets

    Adequacy of Capital and Loan Loss Reserve to Cover Loan Delinquency

    Loan Loss Reserve % Tier I Capital

    Loans 90 Days Delinquent % Tier I Capital

    Loans Nonaccrual + REO % Tier I Capital

    Margins Measure Management

    Common Shareholder’s Net Operating Profit After Tax % Tangible Equity Capital, NOPAT ROE (1yr)

    Cost of Equity COE (1yr)

    Net Interest % Earning Assets (1yr)

    Noninterest Income % Earning Assets (1yr)

    Noninterest Expense % Earning Assets (1yr)

    Operating Profit Margin OPM (1yr)

    OPM Risk Standard Deviation

    Earnings Return on Equity Equals the Operating Return Plus the Financial Return

    Return of Net Operating Profit From Operations After Tax % Earning Assets (ROEA)

    Return on Financial Leverage (ROFL) = Spread X Leverage

    ROEA less COF AT = Leverage Spread

    Leverage Multiplier

    Liquidity Determines the Ability to Grow

    Balance Sheet Cash Flow % Tier I Equity

    Percent Annual Growth in Equity Capital

    Nonperforming Assets % Total Loans

    Illiquid Loans % Stable Deposits and Borrowings Plus Excess Liquidity

    Interest-Bearing Liabilities % Earning Assets

    COMMERCE BANCSHARES, INC.

    LOCATION: KANSAS CITY, MO

    TYPE: HOLDING COMPANY

    TOTAL ASSETS: $30,599MM


    Affiliated Institutions

      Subsidiary COMMERCE BANK

      Supplemental Ratios

      Investment Yield

      Loan Yield

      Cost of Adjusted Debt - After Tax

      Net Income % Avg Assets

      Reports

      • In-Depth Management Review
        Price: $295.00 - View Sample
      • History of Rank and Full Financial Ratios
        Price: $295.00 - View Sample
      • Components of Rank of Financial Ratios
        Price: $195.00 - View Sample

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