Call reports 2025
FIRST COMMERCE BANK — 2025
What FIRST COMMERCE BANK 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 | 136,652,000 | 136,947,000 | 139,739,000 | 137,793,000 |
| Total loans | 102,690,000 | 107,539,000 | 112,459,000 | 111,037,000 |
| Allowance for loan losses | 1,020,000 | 1,077,000 | 1,143,000 | 1,145,000 |
| Securities available for sale | 22,810,000 | 22,429,000 | 19,998,000 | 19,674,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,581,000 | 116,208,000 | 120,195,000 | 121,496,000 |
| Interest-bearing deposits | 93,384,000 | 93,128,000 | 95,829,000 | 99,165,000 |
| Noninterest-bearing deposits | 29,197,000 | 23,080,000 | 24,366,000 | 22,331,000 |
| Equity capital | 13,825,000 | 14,454,000 | 15,105,000 | 15,772,000 |
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 | 1,655,000 | 3,428,000 | 5,286,000 | 7,168,000 |
| Interest expense | 475,000 | 973,000 | 1,555,000 | 2,134,000 |
| Net interest income | 1,180,000 | 2,455,000 | 3,731,000 | 5,034,000 |
| Noninterest income | 58,000 | 124,000 | 154,000 | 220,000 |
| Noninterest expense | 740,000 | 1,493,000 | 2,240,000 | 3,020,000 |
| Provision for loan losses | 0 | 85,000 | 150,000 | 150,000 |
| Pretax income | 490,000 | 999,000 | 1,500,000 | 2,093,000 |
| Income tax | 14,000 | 27,000 | 40,000 | 52,000 |
| Net income | 476,000 | 972,000 | 1,460,000 | 2,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,335,000 | 14,756,000 | 15,198,000 | 15,702,000 |