Call reports 2025
FIRST COMMERCIAL BANK (U.S.A) — 2025
What FIRST COMMERCIAL BANK (U.S.A) 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 | 820,130,000 | 815,347,000 | 820,394,000 | 835,864,000 |
| Total loans | 685,899,000 | 687,871,000 | 720,186,000 | 715,615,000 |
| Allowance for loan losses | 10,102,000 | 10,202,000 | 10,492,000 | 10,867,000 |
| Securities available for sale | 17,655,000 | 24,510,000 | 29,635,000 | 29,629,000 |
| Securities held to maturity | 13,467,000 | 14,531,000 | 14,332,000 | 14,215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 626,655,000 | 620,637,000 | 624,330,000 | 637,858,000 |
| Interest-bearing deposits | 565,619,000 | 559,360,000 | 567,995,000 | 582,623,000 |
| Noninterest-bearing deposits | 61,036,000 | 61,277,000 | 56,335,000 | 55,235,000 |
| Equity capital | 184,812,000 | 186,979,000 | 189,270,000 | 191,053,000 |
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 | 12,376,000 | 24,808,000 | 37,475,000 | 49,710,000 |
| Interest expense | 5,320,000 | 10,512,000 | 15,773,000 | 20,793,000 |
| Net interest income | 7,056,000 | 14,296,000 | 21,702,000 | 28,917,000 |
| Noninterest income | 81,000 | 171,000 | 146,000 | 182,000 |
| Noninterest expense | 3,963,000 | 7,979,000 | 11,936,000 | 16,033,000 |
| Provision for loan losses | 0 | 100,000 | 390,000 | 765,000 |
| Pretax income | 3,173,000 | 6,331,000 | 9,511,000 | 12,176,000 |
| Income tax | 943,000 | 1,885,000 | 2,828,000 | 3,717,000 |
| Net income | 2,230,000 | 4,446,000 | 6,683,000 | 8,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 184,771,000 | 186,986,000 | 189,223,000 | 191,000,000 |
| Total capital | 192,232,000 | 194,568,000 | 197,107,000 | 199,084,000 |
| Risk-weighted assets | 594,096,000 | 603,804,000 | 627,967,000 | 643,692,000 |