Commerce Bank
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At a Glance

Commerce Bancshares, Inc., operates as a super-community bank offering an array of sophisticated financial products delivered with high-quality, personal customer service. The company's customer promise - We ask, listen and solve - is not just its brand, but also its corporate focus. With this platform, Commerce is continually building its long-term franchise while paying strict attention to asset quality and expense management.

Super-Community Banking

In the industry almost 150 years, Commerce provides award winning customer service and knowledge of our customers and markets. Commerce offers a full range of financial products to consumer and commercial customers, including:

  • Sophisticated payment processing systems
  • Broad consumer and commercial products
  • Private banking, trust, capital markets

Industry Ranking and Recognition

Commerce Bank is recognized as an industry leader in financial services and has consistently won awards and high marks for innovative product offerings, customer satisfaction and sound money management.

  • $24.0 billion in assets2; ranked #37 among U.S. banks1
  • $4.2 billion Market Cap2; ranked #31 among U.S. banks1
  • The Commerce Trust Company holds $39.0 billion in assets under administration and $22.5 billion in assets under management (AUM)2; ranked #251 nationally based on AUM1
  • Commerce Bank is consistently ranked among the top 35 issuers of card products in the U.S. by the Nilson Report.

Central U.S. Footprint; National Presence

Represented by 4,744 employees, Commerce serves its customers in 195 branches in Missouri, Kansas, Illinois, Oklahoma and Colorado, as well as commercial offices in Cincinnati, Nashville, and Dallas. The majority of pre-tax profit is generated from eight key markets (Kansas City, St. Louis and Springfield, Missouri; Central Missouri; Central Illinois; Wichita, Kansas; Tulsa, Oklahoma; and Denver, Colorado).

Commerce uses a variety of delivery platforms including an expansive ATM network, full-featured online banking, a central contact center, and has a nationwide presence in the commercial payments industry.

Market Stability

Commerce is a company that values employees, customers and shareholders while striving to produce consistent, solid returns. During the last 10 years, the company's annualized total shareholder return was 6.2% compared to the NASDAQ bank return of 0.6%.

Total shareholder returns*

Indexed, 12/31/2004 = 100
Total Shareholder Returns*
Consistent, positive returns to stakeholders.
Significant outperformance relative to bank stocks.

*Assumes reinvested dividends, multi-year returns are annualized; includes special dividend effective 11/28/2012. Source: Bloomberg, data as of 12/31/2014

Long Term View: Net Income and Earnings Per Share

Record Net Income & EPS Growth
EPS remains strong
46th consecutive year of dividend growth

*All data restated for 5% stock dividend distributed in December 2014
Source: SNL Financial

Industry Recognitions 2013-2014

Award or Recognition Official Description Date
Moody's highest rating Commerce Bancshares, Inc. is among only four banks in the country with the highest assigned Bank Financial Strength rating according to Moody's Investors Service's U. S. Bank Ratings List as of December 8, 2014. December 2014
Forbes list of America's Best Banks For the sixth year in a row, Commerce Bank was ranked among the top ten on Forbes' list of America's Best Banks. Commerce ranked ninth on the list for 2015. December 2014
Bloomberg Markets Magazine Bloomberg Markets magazine named Commerce Family Office, a division of The Commerce Trust Company, the 21st largest family office in the world by assets, and the fourth fastest growing. November 2014
Bank Director Magazine Commerce Bancshares, Inc. ranked 12th in the $5 billion to $50 billion asset category on Bank Director magazine's 2013 Bank Performance Scorecard. August 2014
The Nilson Report Commerce is currently ranked #35 Debit Card Issuer, #18 Consumer Card Issuer (excluding non-banks), #13 Merchant Acquirer (excluding non-banks), #7 Purchasing Card Issuer and #17 Commercial Card Issuer. August 2014
ABA Banking Journal Commerce Bancshares, Inc. is number ten on ABA Banking Journal magazine's list of Top Performing Big Banks with total assets of $10 billion or more. April 2014
Lipper For the second consecutive year, Commerce Investment Advisors received the highest rating in the Best Fixed Income Small Fund Group by Lipper, the leading provider of mutual fund information. March 2014
Barron's 400 Index Commerce Bancshares has been selected to the Barron's 400 Index and is among only 6% of all North American publicly traded companies. The index collects the most fundamentally sound and attractively priced stocks from all corners of the market using a proven and disciplined stock selection process. October 2013
Keefe, Bruyette & Woods Commerce Bancshares, Inc. is one of 33 returning members included on the 2012 KBW Bank Honor Roll of banking institutions that achieved positive earnings per share growth trends over the last decade, regardless of the economic environment April 2013

1 SNL Financial; ranking as of September 30, 2014.
2 As of December 31, 2014.

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