Call reports 2025
FIRST COMMUNITY BANK OF CULLMAN — 2025
What FIRST COMMUNITY BANK OF CULLMAN reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Total assets | 98,963,000 | 91,845,000 | 85,517,000 |
| Total loans | 77,138,000 | 73,771,000 | 72,204,000 |
| Allowance for loan losses | 837,000 | 834,000 | 826,000 |
| Securities available for sale | 3,909,000 | 876,000 | 847,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 75,763,000 | 72,783,000 | 67,040,000 |
| Interest-bearing deposits | 60,468,000 | 57,489,000 | 51,910,000 |
| Noninterest-bearing deposits | 15,295,000 | 15,294,000 | 15,130,000 |
| Equity capital | 12,818,000 | 12,245,000 | 12,052,000 |
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 |
|---|---|---|---|
| Interest income | 1,300,000 | 2,564,000 | 3,779,000 |
| Interest expense | 461,000 | 903,000 | 1,302,000 |
| Net interest income | 839,000 | 1,661,000 | 2,477,000 |
| Noninterest income | 83,000 | 160,000 | 235,000 |
| Noninterest expense | 1,002,000 | 2,710,000 | 3,800,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | -80,000 | -889,000 | -1,088,000 |
| Income tax | -19,000 | -241,000 | -304,000 |
| Net income | -61,000 | -648,000 | -784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Tier 1 capital | 12,853,000 | 12,266,000 | 12,060,000 |