Call reports 2025
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION — 2025
What AMERICAN COMMERCE 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 | 511,515,000 | 500,373,000 | 495,506,000 | 485,001,000 |
| Total loans | 441,317,000 | 427,781,000 | 406,113,000 | 414,642,000 |
| Allowance for loan losses | 9,125,000 | 9,123,000 | 9,172,000 | 9,187,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,718,000 | 404,791,000 | 398,060,000 | 385,122,000 |
| Interest-bearing deposits | 385,559,000 | 375,854,000 | 370,113,000 | 356,920,000 |
| Noninterest-bearing deposits | 31,159,000 | 28,937,000 | 27,947,000 | 28,202,000 |
| Equity capital | 73,629,000 | 75,912,000 | 78,051,000 | 80,297,000 |
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 | 8,354,000 | 17,424,000 | 25,989,000 | 34,256,000 |
| Interest expense | 3,496,000 | 6,827,000 | 10,070,000 | 13,141,000 |
| Net interest income | 4,858,000 | 10,597,000 | 15,919,000 | 21,115,000 |
| Noninterest income | 181,000 | 369,000 | 572,000 | 830,000 |
| Noninterest expense | 2,467,000 | 5,260,000 | 7,945,000 | 10,719,000 |
| Provision for loan losses | 220,000 | 338,000 | 338,000 | 287,000 |
| Pretax income | 2,352,000 | 5,368,000 | 8,208,000 | 11,069,000 |
| Income tax | 585,000 | 1,318,000 | 2,019,000 | 2,634,000 |
| Net income | 1,767,000 | 4,050,000 | 6,189,000 | 8,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,629,000 | 75,912,000 | 78,051,000 | 80,298,000 |
| Total capital | 79,123,000 | 81,204,000 | 83,084,000 | 85,467,000 |
| Risk-weighted assets | 436,442,000 | 420,015,000 | 399,008,000 | 410,067,000 |