Call reports 2025
FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION — 2025
What FIRST COMMERCIAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 528,006,000 | 525,511,000 | 535,921,000 | 558,878,000 |
| Total loans | 312,914,000 | 315,857,000 | 316,655,000 | 310,975,000 |
| Allowance for loan losses | 4,582,000 | 4,581,000 | 4,521,000 | 4,477,000 |
| Securities available for sale | 59,296,000 | 57,657,000 | 72,114,000 | 69,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,782,000 | 466,274,000 | 474,823,000 | 496,837,000 |
| Interest-bearing deposits | 277,542,000 | 278,106,000 | 283,666,000 | 293,144,000 |
| Noninterest-bearing deposits | 193,240,000 | 188,168,000 | 191,157,000 | 203,693,000 |
| Equity capital | 51,569,000 | 52,878,000 | 54,343,000 | 55,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,436,000 | 13,408,000 | 20,561,000 | 27,687,000 |
| Interest expense | 1,853,000 | 3,795,000 | 5,775,000 | 7,666,000 |
| Net interest income | 4,583,000 | 9,613,000 | 14,786,000 | 20,021,000 |
| Noninterest income | 1,074,000 | 2,028,000 | 2,967,000 | 3,879,000 |
| Noninterest expense | 4,051,000 | 8,404,000 | 12,622,000 | 16,821,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 1,606,000 | 3,237,000 | 5,081,000 | 7,029,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,606,000 | 3,237,000 | 5,081,000 | 7,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,429,000 | 53,100,000 | 54,011,000 | 55,104,000 |
| Total capital | 56,302,000 | 56,946,000 | 57,898,000 | 58,942,000 |
| Risk-weighted assets | 308,888,000 | 306,718,000 | 310,072,000 | 306,203,000 |