Call reports 2025
FIRST NATIONAL BANK OF COMMERCE — 2025
What FIRST NATIONAL BANK OF COMMERCE 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 | 287,538,000 | 285,930,000 | 291,376,000 | 296,951,000 |
| Total loans | 125,938,000 | 127,004,000 | 136,377,000 | 142,521,000 |
| Allowance for loan losses | 1,137,000 | 1,119,000 | 1,315,000 | 1,390,000 |
| Securities available for sale | 126,276,000 | 123,978,000 | 120,960,000 | 115,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,383,000 | 263,011,000 | 265,989,000 | 270,017,000 |
| Interest-bearing deposits | 215,504,000 | 213,303,000 | 218,694,000 | 223,046,000 |
| Noninterest-bearing deposits | 48,879,000 | 49,708,000 | 47,295,000 | 46,971,000 |
| Equity capital | 21,570,000 | 20,994,000 | 23,579,000 | 25,396,000 |
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 | 3,230,000 | 6,524,000 | 9,883,000 | 13,369,000 |
| Interest expense | 995,000 | 2,013,000 | 3,006,000 | 3,948,000 |
| Net interest income | 2,235,000 | 4,511,000 | 6,877,000 | 9,421,000 |
| Noninterest income | 457,000 | 847,000 | 1,259,000 | 1,700,000 |
| Noninterest expense | 2,110,000 | 4,129,000 | 6,178,000 | 7,813,000 |
| Provision for loan losses | -25,000 | -25,000 | 168,000 | 286,000 |
| Pretax income | 582,000 | 1,229,000 | 1,841,000 | 3,012,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 582,000 | 1,229,000 | 1,841,000 | 3,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,409,000 | 30,656,000 | 30,868,000 | 31,639,000 |