Commerce Bancshares Q4 EPS $1.04, up from $0.90 YoY; net yield expands to 3.18%

COMMERCE BANCSHARES INC /MO/

2022-FY EPS reported $3.85

Diluted EPS of $1.04 in Q4 2022 vs $0.90 in Q4 2021 and $0.97 in Q3 2022; net income $131.6M.
Net interest income rose $8.3M QoQ to $254.6M; net yield on earning assets increased 17 bps to 3.18%.
Average loans grew $239M (1.5%) to $15.9B; average deposits declined $1.1B (4.1%) QoQ.
Annualized net charge-off ratio was 0.14% vs 0.12% QoQ; non-accrual loans were 0.05% of total loans.

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