Company:  COMMERCE BANCSHARES INC / ... (CBSH)
Form Type:  10-K
Filing Date:  2/22/2013 
CIK:  0000022356 
Address:  1000 WALNUT 
City, State, Zip:  KANSAS CITY, Missouri 64106 
Telephone:  (816) 234-2000 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$43.75  
Change: 
-0.53 (-1.20%)  
Trade Time: 
04:00 PM EST  
Market Cap: 
$4.20B
Description of Business
Commerce Bancshares, Inc., a bank holding company as defined in the Bank Holding Company Act of 1956, as amended, was incorporated under the laws of Missouri on August 4, 1966. Through a second tier wholly-owned bank holding company, it owns all of the outstanding capital stock of Commerce Bank (the �Bank�), which is headquartered in Missouri. The Bank engages in general banking business, providing a broad range of retail, corporate, investment, trust, and asset management products and services to individuals and businesses. Commerce Bancshares, Inc. also owns, directly or through the Bank, various non-banking subsidiaries. Their activities include underwriting credit life and credit accident and health insurance, selling property and casualty insurance (relating to consumer loans made by the Bank), private equity investment, securities brokerage, mortgage banking, and leasing activities. A list of Commerce Bancshares, Inc.'s subsidiaries is included as Exhibit 21.
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  FORM 10-K
    PART I
      Item 1. BUSINESS
      Item 1a. RISK FACTORS
      Item 1b. UNRESOLVED STAFF COMMENTS
      Item 2. PROPERTIES
      Item 3. LEGAL PROCEEDINGS
      Item 4. MINE SAFETY DISCLOSURES
        NAME AND TITLE
    PART II
      Item 5. MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED ...
      Item 6. SELECTED FINANCIAL DATA
      Item 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
        Liquidity and Capital Resources
          BALANCE SHEET
          BALANCE SHEET
      Item 7a. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT ...
      Item 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
        REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
        BALANCE SHEET
        INCOME STATEMENT
        CASH FLOW
        STOCKHOLDERS EQUITY
        NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
          STOCKHOLDERS EQUITY
          BALANCE SHEET
      Item 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ...
      Item 9a. CONTROLS AND PROCEDURES
      REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
      Item 9b. OTHER INFORMATION
    PART III
      Item 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
      Item 11. EXECUTIVE COMPENSATION
      Item 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND ...
      Item 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND ...
      Item 14. PRINCIPAL ACCOUNTING FEES AND SERVICES
    PART IV
      Item 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
    SIGNATURES
    INDEX TO EXHIBITS
  EXHIBIT 32
    CERTIFICATION PURSUANT TO
  EXHIBIT 31.2
    CERTIFICATION
  EXHIBIT 31.1
    CERTIFICATION
  EXHIBIT 24
    POWER OF ATTORNEY
  EXHIBIT 23
    CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
  EXHIBIT 21
    SUBSIDIARIES
BROKERAGE PARTNERS