commerce bancshares inc said profit fell for the third quarter the kansas city mobased regional bank holding company on tuesday posted net income attributable to the company of 1226 million compared with 1324 million in the same period last year earnings were 105 a share compared with 106 a share in the prior year analysts polled by factset were expecting 99 cents a share net interest income was 214 million compared with 216 million in the same period last year revenue rose to 3515 million from 3455 million the company booked a provision for credit losses of negative 739 million it reported provision for credit losses of 31 million in the comparable period last year return on average assets was 14 and the return on average equity was 1374 the company said net loan chargeoffs were 37 million compared with 76 million in the yearago period bank card and deposit account fees continued to rebound strongly from last years lows chief executive john kemper said although loan demand has been somewhat limited we did experience increases in construction and consumer loans this quarter