Jun 30, 2021

Commerce Bank Q2 2021 Earnings Report

Commerce Bancshares, Inc. reported a strong second quarter with increased earnings and improved credit metrics.

Key Takeaways

Commerce Bancshares, Inc. reported earnings of $1.38 per share for the second quarter of 2021, a significant increase compared to $0.32 per share in the same quarter last year. Net income amounted to $162.3 million, driven by a reduction in reserves for credit losses and gains from private equity investments. The company saw growth in fee income, particularly from bank card and trust services.

Earnings per share reached $1.38, significantly higher than the $0.32 in the same quarter last year.

Net income totaled $162.3 million, boosted by reduced credit loss reserves and investment gains.

Fee income was solid, with notable contributions from bank card and trust services.

Credit performance was strong, with net loan charge-offs decreasing to $699 thousand.

Total Revenue
$347M
Previous year: $321M
+8.3%
EPS
$1.25
Previous year: $0.3
+316.7%
Return on avg. assets
1.93%
Previous year: 0.54%
+257.4%
Efficiency ratio
56.9%
Previous year: 58.1%
-2.1%
Net charge-offs to loans
0.02%
Previous year: 0.21%
-90.5%
Cash and Equivalents
$2.55B
Previous year: $1.82B
+40.1%
Free Cash Flow
$114M
Previous year: $144M
-20.5%
Total Assets
$33.9B
Previous year: $30.5B
+11.0%

Commerce Bank

Commerce Bank

Commerce Bank Revenue by Segment