Commerce Bancshares Q4 EPS $0.94, down vs $1.05 YoY and $0.99 QoQ

COMMERCE BANCSHARES INC /MO/

2021-FY EPS reported $4.31

Q4 net income $114.9M vs $129.9M YoY and $122.6M prior quarter; EPS $0.94.
Net interest income $207.7M, margin 2.43% (down 15 bps); average loans fell $165.9M QoQ.
Non-interest income $147.7M (+$10.2M QoQ); trust fees +16.5% YoY, bank card fees +12%.
Credit quality strong: net charge-offs 0.11%, non-accrual loans $9.2M (0.06% of loans).
Repurchased 696k shares at avg $70.81; quarterly dividend $0.25 unchanged.

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