First Commerce Bancorp, Inc. (CMRB)

First Commerce Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	73.97	71.4	67.21	50.09	44.44	43.98
Interest Income on Investments	12.01	7.27	4.87	2.88	1.78	2.76
Total Interest Income	85.98	78.67	72.08	52.97	46.22	46.75
Interest Paid on Deposits	39.61	37.83	27.42	5.97	3.64	9.45
Interest Paid on Borrowings	9.3	7.92	5.27	0.63	-	-
Total Interest Expense	48.91	45.75	32.69	6.6	3.64	9.45
Net Interest Income	37.08	32.91	39.39	46.37	42.57	37.3
Net Interest Income Growth (YoY)	9.93%	-16.44%	-15.05%	8.91%	14.16%	12.10%
Gain (Loss) on Sale of Assets	-	-	-	-	-	-0.03
Other Non-Interest Income	3.25	2.08	2.52	2	0.94	1.02
Total Non-Interest Income	3.25	2.08	2.52	2	0.94	0.98
Non-Interest Income Growth (YoY)	44.55%	-17.47%	26.27%	113.14%	-4.88%	-25.74%
Revenues Before Loan Losses	40.33	34.99	41.91	48.36	43.51	38.28
Provision for Loan Losses	1.19	0.31	-4.73	-0.36	-0.59	3.1
Revenue	39.13	34.69	46.64	48.72	44.1	35.18
Revenue Growth (YoY)	-5.27%	-25.63%	-4.28%	10.49%	25.34%	-0.76%
Salaries and Employee Benefits	18.65	17.9	17.14	15.85	13.17	12.44
Occupancy Expenses	4.47	3.72	3.16	3.18	2.4	2.69
Federal Deposit Insurance	0.96	0.72	0.68	0.53	0.26	0.26
Selling, General & Administrative	3.49	3.36	4.38	3.66	3.27	3.2
Other Non-Interest Expense	3.7	3.4	2.78	3.46	2.45	2.1
Total Non-Interest Expense	31.26	29.09	28.2	26.85	21.67	20.63
EBT Excluding Unusual Items	7.87	5.6	18.43	21.87	22.43	14.55
Pretax Income	7.87	5.6	18.43	21.87	22.43	14.55
Income Tax Expense	1.64	1.08	4.66	5.28	5.74	3.97
Net Income	6.23	4.52	13.78	16.59	16.69	10.58
Net Income to Common	6.23	4.52	13.78	16.59	16.69	10.58
Net Income Growth	-32.34%	-67.18%	-16.98%	-0.55%	57.66%	11.63%
Basic Shares Outstanding	20	22	24	24	23	23
Diluted Shares Outstanding	20	22	24	24	24	23
Shares Change (YoY)	-8.30%	-9.01%	-0.43%	1.66%	2.12%	-0.77%
EPS (Basic)	0.30	0.21	0.58	0.70	0.72	0.46
EPS (Diluted)	0.30	0.21	0.58	0.69	0.71	0.46
EPS Growth	-26.16%	-64.03%	-15.94%	-2.82%	54.35%	12.20%
Dividend Per Share	-	0.080	0.160	0.040	-	-
Dividend Growth	-	-50.00%	300.00%	-	-	-
Effective Tax Rate	20.86%	19.21%	25.26%	24.12%	25.60%	27.28%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.