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	<title>Stock Blog Hub &#187; Commerce Bancshares Inc.</title>
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		<title>(TD) The Toronto-Dominion Bank to Settle Overdraft Charges</title>
		<link>http://www.stockbloghub.com/2012/05/16/td-the-toronto-dominion-bank-to-settle-overdraft-charges/100264</link>
		<comments>http://www.stockbloghub.com/2012/05/16/td-the-toronto-dominion-bank-to-settle-overdraft-charges/100264#comments</comments>
		<pubDate>Wed, 16 May 2012 17:53:30 +0000</pubDate>
		<dc:creator>Shawn</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Money Center Banks]]></category>
		<category><![CDATA[BAC]]></category>
		<category><![CDATA[Bank of America Corporation]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[JPM]]></category>
		<category><![CDATA[JPMorgan Chase & Company]]></category>
		<category><![CDATA[RBS]]></category>
		<category><![CDATA[Royal Bank of Scotland Group plc]]></category>
		<category><![CDATA[TD]]></category>
		<category><![CDATA[Toronto-Dominion Bank]]></category>
		<category><![CDATA[Wells Fargo & Company]]></category>
		<category><![CDATA[WFC]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=100264</guid>
		<description><![CDATA[The Toronto-Dominion Bank (TD) is the latest to join the ever-growing list of banks facing litigation over misconduct and malpractices concerning overdraft fees. The bank has agreed to pay $62 million in settlement of a lawsuit filed against it by its customers accusing it of unreasonable assessment and collection of overdraft fees. However, the settlement requires approval from the U.S. District Judge in Miami. Background The customers accused TD Bank of regularly dealing with transactions pertaining to debit cards in the order of magnitude of the transaction rather than the chronological order. The intentional malpractices resulted in faster negative balances in customers’ accounts, leading to a larger number of overdrawn transactions, each of which then became chargeable. Consequently, overdraft fees piled up in excess. Moreover, TD Bank violated the U.S. ]]></description>
		<wfw:commentRss>http://www.stockbloghub.com/2012/05/16/td-the-toronto-dominion-bank-to-settle-overdraft-charges/100264/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(JPM) JPMorgan to Return Overdraft Fees</title>
		<link>http://www.stockbloghub.com/2012/02/13/jpm-jpmorgan-to-return-overdraft-fees/91442</link>
		<comments>http://www.stockbloghub.com/2012/02/13/jpm-jpmorgan-to-return-overdraft-fees/91442#comments</comments>
		<pubDate>Tue, 14 Feb 2012 05:18:15 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Money Center Banks]]></category>
		<category><![CDATA[BAC]]></category>
		<category><![CDATA[Bank of America Corporation]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[JPM]]></category>
		<category><![CDATA[JPMorgan Chase & Company]]></category>
		<category><![CDATA[Wells Fargo & Company]]></category>
		<category><![CDATA[WFC]]></category>
		<category><![CDATA[ZION]]></category>
		<category><![CDATA[Zions BanCorporation]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=91442</guid>
		<description><![CDATA[The U.S. District Court of Southern Florida (Miami) has asked JPMorgan Chase &#38; Co. (JPM) to pay $110 million to settle a class lawsuit related to the charging of inappropriate overdraft fees to its customers. The court held the company responsible for manipulating transaction entries to generate larger overdraft fees, but this settlement has to be first approved by the U.S. District Judge in Miami. The lawsuit filed by the customers stated that the transactions were re-sequenced by JPMorgan in such a way that the largest withdrawals were deducted first instead of being cleared in the order in which they were received. As a result, customers’ balances diminished faster, resulting in a larger number of ‘overdrawn’ transactions, each of which then became chargeable. With a rise in debit card usage, ]]></description>
		<wfw:commentRss>http://www.stockbloghub.com/2012/02/13/jpm-jpmorgan-to-return-overdraft-fees/91442/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(BBT) Standard &amp; Poor&#8217;s Revises Regional Bank Ratings</title>
		<link>http://www.stockbloghub.com/2011/12/07/bbt-standard-poors-revises-regional-bank-ratings/88196</link>
		<comments>http://www.stockbloghub.com/2011/12/07/bbt-standard-poors-revises-regional-bank-ratings/88196#comments</comments>
		<pubDate>Wed, 07 Dec 2011 21:57:06 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Regional - Mid-Atlantic Banks]]></category>
		<category><![CDATA[ASBC]]></category>
		<category><![CDATA[Associated Banc-Corp]]></category>
		<category><![CDATA[BB & T Corporation]]></category>
		<category><![CDATA[BBT]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[CFR]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[Cullen-Frost Bankers Inc]]></category>
		<category><![CDATA[Economic Crises]]></category>
		<category><![CDATA[FDIC]]></category>
		<category><![CDATA[FHN]]></category>
		<category><![CDATA[First Horizon National Corporation]]></category>
		<category><![CDATA[First Niagara Financial Group Inc]]></category>
		<category><![CDATA[FNFG]]></category>
		<category><![CDATA[HBAN]]></category>
		<category><![CDATA[Huntington Bancshares Inc]]></category>
		<category><![CDATA[KEY]]></category>
		<category><![CDATA[KeyCorp]]></category>
		<category><![CDATA[M&T Bank Corporation]]></category>
		<category><![CDATA[MTB]]></category>
		<category><![CDATA[Northern Trust Corporation]]></category>
		<category><![CDATA[NTRS]]></category>
		<category><![CDATA[PBCT]]></category>
		<category><![CDATA[Peoples United Financial Inc]]></category>
		<category><![CDATA[PNC]]></category>
		<category><![CDATA[PNC Financial Services Group Inc]]></category>
		<category><![CDATA[Regions Financial Corporation]]></category>
		<category><![CDATA[RF]]></category>
		<category><![CDATA[SNV]]></category>
		<category><![CDATA[STI]]></category>
		<category><![CDATA[SunTrust Banks Inc.]]></category>
		<category><![CDATA[Synovus Financial Corporation]]></category>
		<category><![CDATA[Us Bancorp]]></category>
		<category><![CDATA[USB]]></category>
		<category><![CDATA[ZION]]></category>
		<category><![CDATA[Zions BanCorporation]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=88196</guid>
		<description><![CDATA[In yet another round of credit ratings revision, Standard &#38; Poor&#8217;s (S&#38;P) announced changes in credit ratings for 31 regional banks. The list includes 28 publicly traded parent company banks, a non-public entity Bank of North Dakota and a couple of North American units of European banks. Some of the banks whose ratings were lowered by S&#38;P included– BB&#38;T Corporation (BBT), Commerce Bancshares Inc. (CBSH), PNC Financial Services Group (PNC), U.S.Bancorp. (USB) and Northern Trust Corporation (NTRS). Ratings for these banks were downgraded by one notch. However, S&#38;P did not change the ratings of some banks including –First Horizon National Corporation (FHN), First Niagara Financial Group Inc. (FNFG), Huntington Bancshares Inc. (HBAN), KeyCorp (KEY), M&#38;T Bank Corp. (MTB), People&#8217;s United Financial Inc. (PBCT), Regions Financial Corp. (RF), SunTrust Banks Inc. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(TCB) TCF Financial Earnings Lag Estimates by a Penny</title>
		<link>http://www.stockbloghub.com/2011/10/26/tcb-tcf-financial-earnings-lag-estimates-by-a-penny/85800</link>
		<comments>http://www.stockbloghub.com/2011/10/26/tcb-tcf-financial-earnings-lag-estimates-by-a-penny/85800#comments</comments>
		<pubDate>Wed, 26 Oct 2011 13:50:00 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Money Center Banks]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[TCB]]></category>
		<category><![CDATA[TCF Financial Corporation]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=85800</guid>
		<description><![CDATA[Last week, TCF Financial Corporation (TCB) reported third-quarter 2011 earnings of 20 cents per share, lagging the Zacks Consensus Estimate by a penny. Moreover, this compares unfavorably with 26 cents in the prior-year quarter while favorably with the earnings of 19 cents in the prior quarter. On a year-over-year basis, decreased non-interest income and reduced net interest margin were the negatives. These negatives were partly offset by deposits growth and decreased non-interest expenses. Net income came in at $31.7 million in the reported quarter, up from $29.8 million in the prior quarter and down from $36.9 million in the year-ago quarter. Performance in Detail Net interest income (NII) was relatively flat sequentially at $176.2 million, while inched up 1.3% year over year. The improvement was attributed to increase in the ]]></description>
		<wfw:commentRss>http://www.stockbloghub.com/2011/10/26/tcb-tcf-financial-earnings-lag-estimates-by-a-penny/85800/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(TCB) TCF Financial Earnings Report Lags Estimates</title>
		<link>http://www.stockbloghub.com/2011/08/08/tcb-tcf-financial-earnings-report-lags-estimates/79659</link>
		<comments>http://www.stockbloghub.com/2011/08/08/tcb-tcf-financial-earnings-report-lags-estimates/79659#comments</comments>
		<pubDate>Mon, 08 Aug 2011 17:39:06 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Money Center Banks]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[NII]]></category>
		<category><![CDATA[NIM]]></category>
		<category><![CDATA[Nuveen North Carolina Dividend Advantage Municipal]]></category>
		<category><![CDATA[Nuveen Select Maturities Municipal Fund]]></category>
		<category><![CDATA[TCB]]></category>
		<category><![CDATA[TCF Financial Corporation]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=79659</guid>
		<description><![CDATA[TCF Financial Corporation’s (TCB) second-quarter 2011 earnings came in at 19 cents per share, lagging the Zacks Consensus Estimate by 2 cents. Moreover, this compares unfavorably with the earnings of 20 cents in the prior quarter and 32 cents in the prior-year quarter. Decreased non-interest income, increased non-interest expenses, sluggish economic recovery and increased regulatory trouble have affected the quarter results. These negatives were partly offset by deposits growth. Net income came in at $29.8 million in the reported quarter, modestly in line with the prior quarter and down from $45.0 million in the year-ago quarter. Performance in Detail Net interest income (NII) was relatively flat year over year at $176.2 million, while it inched up 1.3% sequentially. The sequential improvement was attributable to the increase in the higher-yielding inventory ]]></description>
		<wfw:commentRss>http://www.stockbloghub.com/2011/08/08/tcb-tcf-financial-earnings-report-lags-estimates/79659/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(TCB) TCF Financial Lags Estimates</title>
		<link>http://www.stockbloghub.com/2011/08/04/tcb-tcf-financial-lags-estimates/79706</link>
		<comments>http://www.stockbloghub.com/2011/08/04/tcb-tcf-financial-lags-estimates/79706#comments</comments>
		<pubDate>Thu, 04 Aug 2011 16:59:59 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Money Center Banks]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[TCB]]></category>
		<category><![CDATA[TCF Financial Corporation]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=79706</guid>
		<description><![CDATA[TCF Financial Corporation’s (TCB) second-quarter 2011 earnings came in at 19 cents per share, lagging the Zacks Consensus Estimate by 2 cents. Moreover, this compares unfavorably with the earnings of 20 cents in the prior quarter and 32 cents in the prior-year quarter. Decreased non-interest income, increased non-interest expenses, sluggish economic recovery and increased regulatory trouble have affected the quarter results. These negatives were partly offset by deposits growth. Net income came in at $29.8 million in the reported quarter, modestly in line with the prior quarter and down from $45.0 million in the year-ago quarter. Performance in Detail Net interest income (NII) was relatively flat year over year at $176.2 million, while it inched up 1.3% sequentially. The sequential improvement was attributable to the increase in the higher-yielding inventory ]]></description>
		<wfw:commentRss>http://www.stockbloghub.com/2011/08/04/tcb-tcf-financial-lags-estimates/79706/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(CBSH) Commerce Bancshares Analyst Remains Neutral on Shares</title>
		<link>http://www.stockbloghub.com/2011/07/01/cbsh-commerce-bancshares-analyst-remains-neutral-on-shares/78222</link>
		<comments>http://www.stockbloghub.com/2011/07/01/cbsh-commerce-bancshares-analyst-remains-neutral-on-shares/78222#comments</comments>
		<pubDate>Fri, 01 Jul 2011 20:34:52 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Regional - Southwest Banks]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[TCB]]></category>
		<category><![CDATA[TCF Financial Corporation]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=78222</guid>
		<description><![CDATA[We continue to maintain our long-term “Neutral” recommendation on Commerce Bancshares Inc. (CBSH). Although the company has the scope to expand inorganically with its excellent liquidity position, we remain cautious on the company’s loan volumes and non-performing asset position, which need to be improved in order to gain a foothold in the industry. Nevertheless, the company’s direct retail and commercial-banking franchise are expected to post steady earnings going forward. Despite rising credit costs, Commerce Bancshares has maintained its capital levels significantly above its competitors. The company continues to experience a growth trend in its tangible equity ratio, which improved to 10.24% as of March 31, 2011 from 9.99% as of March 31, 2010. We expect this to act as a buffer against any probable losses in its credit portfolio in ]]></description>
		<wfw:commentRss>http://www.stockbloghub.com/2011/07/01/cbsh-commerce-bancshares-analyst-remains-neutral-on-shares/78222/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(MS) U.S. Banks Stock Update &#8211; August 2010 &#8211; Industry Outlook</title>
		<link>http://www.stockbloghub.com/2010/08/20/ms-u-s-banks-stock-update-august-2010-industry-outlook/48603</link>
		<comments>http://www.stockbloghub.com/2010/08/20/ms-u-s-banks-stock-update-august-2010-industry-outlook/48603#comments</comments>
		<pubDate>Fri, 20 Aug 2010 15:55:41 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Diversified Investments]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[AIG]]></category>
		<category><![CDATA[American International Group Inc]]></category>
		<category><![CDATA[AROW]]></category>
		<category><![CDATA[Arrow Financial Corporation]]></category>
		<category><![CDATA[BAC]]></category>
		<category><![CDATA[BancFirst Corporation]]></category>
		<category><![CDATA[Bancorp Rhode Island Inc]]></category>
		<category><![CDATA[BANF]]></category>
		<category><![CDATA[Bank of America Corporation]]></category>
		<category><![CDATA[Bank of Marin Bancorp]]></category>
		<category><![CDATA[BARI]]></category>
		<category><![CDATA[BMRC]]></category>
		<category><![CDATA[BMTC]]></category>
		<category><![CDATA[Bryn Mawr Bank Corporation]]></category>
		<category><![CDATA[C]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[CBU]]></category>
		<category><![CDATA[Chemical Financial Corporation]]></category>
		<category><![CDATA[CHFC]]></category>
		<category><![CDATA[Citigroup Inc.]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[Community Bank System Inc]]></category>
		<category><![CDATA[EBTX]]></category>
		<category><![CDATA[Encore Bancshares Inc]]></category>
		<category><![CDATA[Financial Institutions Inc]]></category>
		<category><![CDATA[FISI]]></category>
		<category><![CDATA[FMCC]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Goldman Sachs Group]]></category>
		<category><![CDATA[GS]]></category>
		<category><![CDATA[HBNC]]></category>
		<category><![CDATA[Horizon BanCorporation]]></category>
		<category><![CDATA[JPM]]></category>
		<category><![CDATA[JPMorgan Chase & Company]]></category>
		<category><![CDATA[KEY]]></category>
		<category><![CDATA[KeyCorp]]></category>
		<category><![CDATA[Macatawa Bank Corporation]]></category>
		<category><![CDATA[MBVT]]></category>
		<category><![CDATA[MCBC]]></category>
		<category><![CDATA[Merchants Bancshares Inc]]></category>
		<category><![CDATA[MidWest One Financial Group Inc]]></category>
		<category><![CDATA[MOFG]]></category>
		<category><![CDATA[Morgan Stanley]]></category>
		<category><![CDATA[MS]]></category>
		<category><![CDATA[NAL]]></category>
		<category><![CDATA[New Alliance Bancshares Inc]]></category>
		<category><![CDATA[Northrim Bancorp Inc]]></category>
		<category><![CDATA[NRIM]]></category>
		<category><![CDATA[OKSB]]></category>
		<category><![CDATA[ORIT]]></category>
		<category><![CDATA[Oritani Financial Corporation]]></category>
		<category><![CDATA[PNBC]]></category>
		<category><![CDATA[PrInceton National Bancorp Inc]]></category>
		<category><![CDATA[Southwest Bancorp Inc]]></category>
		<category><![CDATA[TAYC]]></category>
		<category><![CDATA[Taylor Capital Group Inc]]></category>
		<category><![CDATA[TBBK]]></category>
		<category><![CDATA[The Bancorp Inc]]></category>
		<category><![CDATA[Wells Fargo & Company]]></category>
		<category><![CDATA[WFC]]></category>
		<category><![CDATA[Wilmington Trust Corporation]]></category>
		<category><![CDATA[WL]]></category>
		<category><![CDATA[ZION]]></category>
		<category><![CDATA[Zions BanCorporation]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=48603</guid>
		<description><![CDATA[Although a major recovery in the asset markets has been witnessed in recent quarters, the outlook for the U.S. banking industry remains in question due to several negatives Incorporatedluding asset-quality troubles, the continuation of both residential and commercial real estate loan defaults and the impact of tighter regulations of the new financial reform law. After enduring extraordinary shocks in 2008, U.S. banks entered an exceptional state of turmoil in 2009. Starting as a credit issue in the subprime segment of the mortgage market, the situation affected the entire financial services industry, in all corners of the globe. In other words, the financial crisis ultimately morphed into a massive economic crisis, which has had major ramifications across the entire world. Although the banking industry is still grappling with liquidity and confidence ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(JPM) U.S. Banks Stock Update &#8211; May 2010 &#8211; Industry Outlook</title>
		<link>http://www.stockbloghub.com/2010/05/19/jpm-u-s-banks-stock-update-may-2010-industry-outlook/37702</link>
		<comments>http://www.stockbloghub.com/2010/05/19/jpm-u-s-banks-stock-update-may-2010-industry-outlook/37702#comments</comments>
		<pubDate>Thu, 20 May 2010 00:28:00 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Money Center Banks]]></category>
		<category><![CDATA[AIG]]></category>
		<category><![CDATA[American International Group Inc]]></category>
		<category><![CDATA[BAC]]></category>
		<category><![CDATA[BancFirst Corporation]]></category>
		<category><![CDATA[Bancorp Rhode Island Inc]]></category>
		<category><![CDATA[BANF]]></category>
		<category><![CDATA[Bank of America Corporation]]></category>
		<category><![CDATA[Bank of the Ozarks]]></category>
		<category><![CDATA[BARI]]></category>
		<category><![CDATA[BB & T Corporation]]></category>
		<category><![CDATA[BBT]]></category>
		<category><![CDATA[BMTC]]></category>
		<category><![CDATA[Bryn Mawr Bank Corporation]]></category>
		<category><![CDATA[BSRR]]></category>
		<category><![CDATA[C]]></category>
		<category><![CDATA[Cardinal Financial Corporation]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Center Financial Corporation]]></category>
		<category><![CDATA[Central Valley Community Bancorp]]></category>
		<category><![CDATA[CFNL]]></category>
		<category><![CDATA[Citigroup Inc.]]></category>
		<category><![CDATA[CLFC]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[CVCY]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FBMI]]></category>
		<category><![CDATA[FCBC]]></category>
		<category><![CDATA[FFBC]]></category>
		<category><![CDATA[Fidelity Southern Corporation]]></category>
		<category><![CDATA[Financial Institutions Inc]]></category>
		<category><![CDATA[First Community Bancshares Inc (Bluefield)]]></category>
		<category><![CDATA[First Financial BanCorporation]]></category>
		<category><![CDATA[Firstbank Corporation]]></category>
		<category><![CDATA[FISI]]></category>
		<category><![CDATA[FNM]]></category>
		<category><![CDATA[FRE]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Goldman Sachs Group]]></category>
		<category><![CDATA[GS]]></category>
		<category><![CDATA[HBNC]]></category>
		<category><![CDATA[Horizon BanCorporation]]></category>
		<category><![CDATA[Inc.]]></category>
		<category><![CDATA[JPM]]></category>
		<category><![CDATA[JPMorgan Chase & Company]]></category>
		<category><![CDATA[KEY]]></category>
		<category><![CDATA[KeyCorp]]></category>
		<category><![CDATA[Lakeland Bancorp Inc]]></category>
		<category><![CDATA[LBAI]]></category>
		<category><![CDATA[Legacy Bancorp Inc]]></category>
		<category><![CDATA[LEGC]]></category>
		<category><![CDATA[LION]]></category>
		<category><![CDATA[Mainsource Financial Group]]></category>
		<category><![CDATA[MBT Financial Corporation]]></category>
		<category><![CDATA[MBTF]]></category>
		<category><![CDATA[MBWM]]></category>
		<category><![CDATA[MCBI]]></category>
		<category><![CDATA[Mercantile Bank Corporation]]></category>
		<category><![CDATA[Metrocorp Bancshares Inc.]]></category>
		<category><![CDATA[MidWest One Financial Group Inc]]></category>
		<category><![CDATA[MOFG]]></category>
		<category><![CDATA[Morgan Stanley]]></category>
		<category><![CDATA[MS]]></category>
		<category><![CDATA[MSFG]]></category>
		<category><![CDATA[NARA]]></category>
		<category><![CDATA[Nara Bancorp Inc]]></category>
		<category><![CDATA[North Valley Bancorp]]></category>
		<category><![CDATA[NOVB]]></category>
		<category><![CDATA[OKSB]]></category>
		<category><![CDATA[Old National BanCorporation]]></category>
		<category><![CDATA[ONB]]></category>
		<category><![CDATA[OZRK]]></category>
		<category><![CDATA[RBCAA]]></category>
		<category><![CDATA[Republic Bancorp Inc.]]></category>
		<category><![CDATA[S&T Bancorp Inc]]></category>
		<category><![CDATA[Sierra Bancorp]]></category>
		<category><![CDATA[Southwest Bancorp Inc]]></category>
		<category><![CDATA[SSBI]]></category>
		<category><![CDATA[STBA]]></category>
		<category><![CDATA[Summit State Bank]]></category>
		<category><![CDATA[TOFC]]></category>
		<category><![CDATA[Tower Financial Corporation]]></category>
		<category><![CDATA[Us Bancorp]]></category>
		<category><![CDATA[USB]]></category>
		<category><![CDATA[Viewpoint Financial Group]]></category>
		<category><![CDATA[VIST]]></category>
		<category><![CDATA[VIST Financial Corp]]></category>
		<category><![CDATA[VPFG]]></category>
		<category><![CDATA[WASH]]></category>
		<category><![CDATA[Washington Banking Company]]></category>
		<category><![CDATA[Washington Trust Bancorp Inc]]></category>
		<category><![CDATA[WBCO]]></category>
		<category><![CDATA[Wells Fargo & Company]]></category>
		<category><![CDATA[WFC]]></category>
		<category><![CDATA[Wilmington Trust Corporation]]></category>
		<category><![CDATA[WL]]></category>
		<category><![CDATA[ZION]]></category>
		<category><![CDATA[Zions BanCorporation]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=37702</guid>
		<description><![CDATA[Although a major recovery in the asset markets has been witnessed in recent quarters, the outlook for the U.S. banking industry still remains in question due to several negatives Incorporatedluding asset-quality troubles, drawbacks of new regulations and the continuation of both residential and commercial real estate loan defaults. After enduring extraordinary shocks in 2008, the U.S. banks entered an exceptional state of turmoil in 2009. Starting as a credit issue in the subprime segment of the mortgage market, the situation affected about the entire financial services industry, in all corners of the globe. In other words, the financial crisis ultimately morphed into a massive economic crisis, which has had major ramifications across the whole world. Although the banking industry is dealing with liquidity and confidence challenges in 2010, it is ]]></description>
		<wfw:commentRss>http://www.stockbloghub.com/2010/05/19/jpm-u-s-banks-stock-update-may-2010-industry-outlook/37702/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(CBSH) Commerce Bancshares&#8217; Reports Earnings Meet Expectations</title>
		<link>http://www.stockbloghub.com/2010/04/18/cbsh-commerce-bancshares-reports-earnings-meet-expectations/34104</link>
		<comments>http://www.stockbloghub.com/2010/04/18/cbsh-commerce-bancshares-reports-earnings-meet-expectations/34104#comments</comments>
		<pubDate>Mon, 19 Apr 2010 03:09:50 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Regional - Southwest Banks]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=34104</guid>
		<description><![CDATA[Commerce Bancshares Inc. (CBSH) reported its first quarter 2010 earnings of $44.2 million or 53 cents per share, compared with $49.6 million or 60 cents per share in the prior quarter and $30.8 million or 38 cents per share in the year-ago period. The results in the reported quarter were in line with the Zacks Consensus Estimate. Results benefited from a decline in loan loss provisions and non-performing assets along with sound expense control. However, loan demand and credit quality continued to remain weak. Taxable-equivalent net interest income in the reported quarter increased 8.8% year over year but declined 1.2% from the prior quarter to $167.5 million. The decline was primarily the result of lower average balances of investment securities that was offset by lower rates on deposits. Average loans ]]></description>
		<wfw:commentRss>http://www.stockbloghub.com/2010/04/18/cbsh-commerce-bancshares-reports-earnings-meet-expectations/34104/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(JPM) U.S. Banks Stock Update &#8211; February 2010 &#8211; Industry Outlook</title>
		<link>http://www.stockbloghub.com/2010/02/03/jpm-u-s-banks-stock-update-february-2010-industry-outlook/26923</link>
		<comments>http://www.stockbloghub.com/2010/02/03/jpm-u-s-banks-stock-update-february-2010-industry-outlook/26923#comments</comments>
		<pubDate>Wed, 03 Feb 2010 20:12:49 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Money Center Banks]]></category>
		<category><![CDATA[ABCB]]></category>
		<category><![CDATA[AIG]]></category>
		<category><![CDATA[American Express Company]]></category>
		<category><![CDATA[American International Group Inc]]></category>
		<category><![CDATA[Ameris Bancorp]]></category>
		<category><![CDATA[AXP]]></category>
		<category><![CDATA[BAC]]></category>
		<category><![CDATA[BancFirst Corporation]]></category>
		<category><![CDATA[BANF]]></category>
		<category><![CDATA[Bank of America Corporation]]></category>
		<category><![CDATA[Bank of Hawaii Corporation]]></category>
		<category><![CDATA[BB & T Corporation]]></category>
		<category><![CDATA[BBNK]]></category>
		<category><![CDATA[BBT]]></category>
		<category><![CDATA[BOH]]></category>
		<category><![CDATA[Bridge Capital Holdings]]></category>
		<category><![CDATA[C]]></category>
		<category><![CDATA[Capital One Financial Corporation]]></category>
		<category><![CDATA[Cathay General Bancorp]]></category>
		<category><![CDATA[CATY]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Central Valley Community Bancorp]]></category>
		<category><![CDATA[Citigroup Inc.]]></category>
		<category><![CDATA[COF]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[CVCY]]></category>
		<category><![CDATA[Doral Financial Corporation]]></category>
		<category><![CDATA[DRL]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FCVA]]></category>
		<category><![CDATA[First Capital Bancorp Inc]]></category>
		<category><![CDATA[FNM]]></category>
		<category><![CDATA[FRE]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Goldman Sachs Group]]></category>
		<category><![CDATA[GS]]></category>
		<category><![CDATA[JPM]]></category>
		<category><![CDATA[JPMorgan Chase & Company]]></category>
		<category><![CDATA[KEY]]></category>
		<category><![CDATA[KeyCorp]]></category>
		<category><![CDATA[Morgan Stanley]]></category>
		<category><![CDATA[MS]]></category>
		<category><![CDATA[North Valley Bancorp]]></category>
		<category><![CDATA[NOVB]]></category>
		<category><![CDATA[OKSB]]></category>
		<category><![CDATA[Pacific Continental Corporation]]></category>
		<category><![CDATA[PCBK]]></category>
		<category><![CDATA[Southwest Bancorp Inc]]></category>
		<category><![CDATA[SSBI]]></category>
		<category><![CDATA[Summit State Bank]]></category>
		<category><![CDATA[TCBI]]></category>
		<category><![CDATA[Tennessee Commerce Bancorp Inc]]></category>
		<category><![CDATA[Texas Capital BancShares Inc.]]></category>
		<category><![CDATA[TNCC]]></category>
		<category><![CDATA[UBSI]]></category>
		<category><![CDATA[United Bankshares Inc]]></category>
		<category><![CDATA[Us Bancorp]]></category>
		<category><![CDATA[USB]]></category>
		<category><![CDATA[Wells Fargo & Company]]></category>
		<category><![CDATA[WFC]]></category>
		<category><![CDATA[Wilmington Trust Corporation]]></category>
		<category><![CDATA[WL]]></category>
		<category><![CDATA[ZION]]></category>
		<category><![CDATA[Zions BanCorporation]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=26923</guid>
		<description><![CDATA[After enduring extraordinary shocks in 2008, the U.S. banks entered an exceptional state of turmoil in 2009. Starting as a credit issue in the subprime segment of the mortgage market, the sticky situation infected almost the entire financial services industry, and all corners of the globe. In other words, the financial crisis ultimately morphed into a massive economic crisis, which has had major ramifications across the whole world. Entering 2010, although the banking industry is dealing with liquidity and confidence challenges, it is now comparatively stable with financial support from the U.S. government. The government had taken several steps Incorporatedluding programs offering capital injections and debt guarantees, to stabilize the financial system. We believe that the worst of the credit crisis is now behind us. After more than a year ]]></description>
		<wfw:commentRss>http://www.stockbloghub.com/2010/02/03/jpm-u-s-banks-stock-update-february-2010-industry-outlook/26923/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>(CBSH) Commerce Bancshares Analyst Lowers Rating to Neutral</title>
		<link>http://www.stockbloghub.com/2010/01/06/cbsh-commerce-bancshares-analyst-lowers-rating-to-neutral/24274</link>
		<comments>http://www.stockbloghub.com/2010/01/06/cbsh-commerce-bancshares-analyst-lowers-rating-to-neutral/24274#comments</comments>
		<pubDate>Wed, 06 Jan 2010 17:22:01 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Regional - Southwest Banks]]></category>
		<category><![CDATA[ASBC]]></category>
		<category><![CDATA[Associated Banc-Corp]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[FirstMerit Corporation]]></category>
		<category><![CDATA[FMER]]></category>
		<category><![CDATA[TCB]]></category>
		<category><![CDATA[TCF Financial Corporation]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=24274</guid>
		<description><![CDATA[Given the current critical sustainability factor, we are downgrading our recommendation on the shares of Commerce Bancshares Inc. (CBSH) to Neutral from Outperform. Although the company’s third quarter results were substantially ahead of the Zacks Consensus Estimate, continued weakness in loan demand and the credit metrics modestly offset the cost-cutting initiatives and growth in core fees and net interest income. Additionally, more aggressive credit conditions are expected to prevail over time in the backdrop of stricter regulations in the sluggish macroeconomic environment. This could further worsen the already weak status of non-performing assets and the net-charge offs in the business. Hence, it remains to be seen if the gradual growth sustains in the upcoming quarters. As well, constrained exposure in most parts of the country except Missouri, Kansas and central ]]></description>
		<wfw:commentRss>http://www.stockbloghub.com/2010/01/06/cbsh-commerce-bancshares-analyst-lowers-rating-to-neutral/24274/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>($CBSH) Commerce Bancshares Beats Earnings Estimates Again</title>
		<link>http://www.stockbloghub.com/2009/10/16/cbsh-commerce-bancshares-beats-earnings-estimates-again/17721</link>
		<comments>http://www.stockbloghub.com/2009/10/16/cbsh-commerce-bancshares-beats-earnings-estimates-again/17721#comments</comments>
		<pubDate>Sat, 17 Oct 2009 00:24:43 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Regional - Southwest Banks]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[V]]></category>
		<category><![CDATA[Visa Inc]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=17721</guid>
		<description><![CDATA[Commerce Bancshares Inc. (CBSH) today reported its third quarter 2009 earnings at $51.6 million or 66 cents per diluted share, compared to $37.0  million or 48 cents per diluted share in the prior quarter and $24.7 million or 32 cents per diluted share in the prior-year quarter. The results for the reported quarter were far ahead of the Zacks Consensus Estimate of 51 cents. Results benefited from improvement in both spread and fee income coupled with sound expense control. Taxable-equivalent net interest income for third quarter 2009 increased 3.9% sequentially and 7.9% year-over-year to $163.5 million. The increase  over the previous quarter was primarily the result of higher average  balances of investment securities, coupled with lower rates on deposits and partially offset by lower volumes. Net interest margin increased to ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>($JPM) U.S. Bank Industry Reviewed &#8211; Analyst Interview</title>
		<link>http://www.stockbloghub.com/2009/10/14/jpm-u-s-bank-industry-reviewed-analyst-interview/17616</link>
		<comments>http://www.stockbloghub.com/2009/10/14/jpm-u-s-bank-industry-reviewed-analyst-interview/17616#comments</comments>
		<pubDate>Wed, 14 Oct 2009 15:24:01 +0000</pubDate>
		<dc:creator>vitalstocks</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Money Center Banks]]></category>
		<category><![CDATA[AIG]]></category>
		<category><![CDATA[American Express Company]]></category>
		<category><![CDATA[American International Group Inc]]></category>
		<category><![CDATA[AXP]]></category>
		<category><![CDATA[BAC]]></category>
		<category><![CDATA[Bank of America Corporation]]></category>
		<category><![CDATA[BB & T Corporation]]></category>
		<category><![CDATA[BBT]]></category>
		<category><![CDATA[C]]></category>
		<category><![CDATA[Capital One Financial Corporation]]></category>
		<category><![CDATA[CBSH]]></category>
		<category><![CDATA[Citigroup Inc.]]></category>
		<category><![CDATA[COF]]></category>
		<category><![CDATA[Commerce Bancshares Inc.]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[FNM]]></category>
		<category><![CDATA[FRE]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Goldman Sachs Group]]></category>
		<category><![CDATA[GS]]></category>
		<category><![CDATA[JPM]]></category>
		<category><![CDATA[JPMorgan Chase & Company]]></category>
		<category><![CDATA[KEY]]></category>
		<category><![CDATA[KeyCorp]]></category>
		<category><![CDATA[Morgan Stanley]]></category>
		<category><![CDATA[MS]]></category>
		<category><![CDATA[Us Bancorp]]></category>
		<category><![CDATA[USB]]></category>
		<category><![CDATA[Wells Fargo & Company]]></category>
		<category><![CDATA[WFC]]></category>
		<category><![CDATA[Wilmington Trust Corporation]]></category>
		<category><![CDATA[WL]]></category>
		<category><![CDATA[ZION]]></category>
		<category><![CDATA[Zions BanCorporation]]></category>

		<guid isPermaLink="false">http://www.stockbloghub.com/?p=17616</guid>
		<description><![CDATA[After enduring extraordinary shocks in 2008, U.S. banks entered an exceptional state of turmoil in 2009. Starting as a credit issue in the subprime segment of the mortgage market, the sticky situation spread to almost the entire financial services industry and all corners of the globe. In other words, the financial crisis ultimately morphed into a massive economic crisis, which has had major ramifications across the whole world. Although the banking industry is dealing with liquidity and confidence challenges, it now has financial support from the U.S. government. The government has taken several steps Incorporatedluding programs offering capital injections and debt guarantees, to stabilize the financial system. We believe that the worst of the credit crisis is now probably behind us. After almost a year of initiating the $700 billion ]]></description>
		<wfw:commentRss>http://www.stockbloghub.com/2009/10/14/jpm-u-s-bank-industry-reviewed-analyst-interview/17616/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
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