First Commerce Bank

CMRB

CMRBFirst Commerce Bank US flag

Other OTC

6.45

USD

- -

134.04MMarket Cap

Income Statement (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	34	38	43	48	42	35	45
+ Sales & Services Revenue	34	38	43	48	42	35	45
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-21	-21	-22	-26	-28	-29	-33
- Operating Expenses	21	21	22	26	28	29	33
+ Selling, General & Admin	2	1	2	2	2	2	3
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	20	19	20	24	26	27	30
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-13	-15	-22	-22	-18	-6	-11
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-13	-15	-22	-22	-18	-6	-11
Pretax Income	13	15	22	22	18	6	11
- Income Tax Expense (Benefit)	4	4	6	5	5	1	2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	9	11	17	17	14	5	8
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	9	11	17	17	14	5	8
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	9	11	17	17	14	5	8
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	9	11	17	17	14	5	8
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
EBITA	-1	-1	-1	-1	-2	-2	-3
Gross Margin (%)	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	28.07	27.59	38.45	34.83	32.92	12.98	18.18
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	0.39	0.16	0.08	- -
Depreciation Expense	1	1	1	1	2	2	3
Basic Weighted Avg Shares	23	23	23	24	24	21	- -
Basic EPS, GAAP	0.42	0.46	0.72	0.7	0.58	0.21	- -
Basic EPS from Cont Ops	0.42	0.46	0.72	0.7	0.58	0.21	- -
Diluted Weighted Avg Shares	23	23	24	24	24	22	- -
Diluted EPS, GAAP	0.41	0.46	0.71	0.69	0.58	0.21	- -
Diluted EPS from Cont Ops	0.41	0.46	0.71	0.69	0.58	0.21	- -

Balance Sheet (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	71	96	113	43	62	132	136
+ Cash & Cash Equivalents	71	96	113	43	62	132	136
+ ST Investments	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	4	5	4	5	6	6	8
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	4	5	4	5	6	6	8
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-75	-102	-118	-47	-67	-138	-144
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	29	27	26	26	25	33	28
+ Property, Plant & Equip	36	35	35	36	36	45	36
- Accumulated Depreciation	7	8	9	10	11	12	8
+ LT Investments & Receivables	118	58	42	75	64	107	158
+ LT Investments	118	58	42	75	64	107	158
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-147	-85	-68	-101	-89	-141	-186
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-147	-85	-68	-101	-89	-141	-186
Total Assets	1,007	1,042	1,134	1,292	1,436	1,551	1,794
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	1	- -	- -	1	2	2	2
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	-1	- -	- -	-1	-2	-2	-2
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	10	10	10	69	140	192	310
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-10	-10	-10	-69	-140	-192	-310
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-10	-10	-10	-69	-140	-192	-310
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	865	887	962	1,112	1,252	1,379	1,619
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	84	85	87	89	89	90	91
+ Common Stock	45	46	47	48	- -	- -	- -
+ Additional Paid in Capital	39	39	40	41	89	90	91
- Treasury Stock	- -	- -	- -	- -	7	22	29
+ Retained Earnings	58	68	85	92	102	105	113
+ Other Equity	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	143	154	172	180	184	172	175
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	143	154	172	180	184	172	175
Total Liabilities & Equity	1,007	1,042	1,134	1,292	1,436	1,551	1,794
Shares Outstanding	- -	- -	- -	24	23	21	20
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -
Net Debt	-71	-96	-113	-43	-62	-132	-136
Net Debt to Equity	-49.63	-62.42	-65.78	-23.61	-33.55	-76.9	-77.78
Tangible Common Equity Ratio	14.18	14.81	15.19	13.96	12.81	11.11	9.77
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	9	11	17	17	14	5	8
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	2	5	1	1	-2	1	2
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	1	- -	- -	- -	1	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	1	4	1	1	-4	1	2
+ Chg in Non-Cash Work Cap	1	-1	4	4	-2	-6	-2
+ (Inc) Dec in Accts Receiv	- -	-1	1	- -	-1	-3	-2
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	1	- -	3	4	-1	-3	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	13	14	21	22	9	- -	8
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	2	- -	- -	- -	- -	8
+ Disp of Fixed Prod Assets	- -	2	- -	- -	- -	- -	8
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	- -	-1	-1	-2	-3
+ Acq of Fixed Prod Assets	-1	-1	- -	-1	-1	-2	-3
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	2	2	-7	-15	-5
+ Increase in Capital Stock	- -	- -	2	2	- -	1	2
+ Decrease in Capital Stock	- -	- -	- -	- -	-7	-15	-7
+ Net Change in LT Investment	-33	58	14	-35	11	-43	-52
+ Dec in LT Investment	21	63	17	19	15	18	40
+ Inc in LT Investment	-54	-5	-3	-54	-4	-61	-91
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-24	-70	-92	-193	-132	10	-191
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-58	-12	-78	-228	-122	-35	-236
+ Dividends Paid	- -	- -	- -	-9	-4	-2	- -
+ Net Cash From Debt	- -	- -	- -	59	71	45	118
+ Cash From Debt	- -	- -	- -	59	130	45	220
+ Repayments of Debt	- -	- -	- -	- -	-59	- -	-102
+ Other Financing Activities	23	23	72	85	71	77	120
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	23	23	74	136	132	106	232
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-22	25	17	-71	19	71	4
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	11	13	21	21	8	-2	6
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	11	13	21	21	8	-2	6
Free Cash Flow to Equity	- -	14	21	80	79	43	131
Free Cash Flow per Basic Share	0.51	0.56	0.92	0.89	0.35	-0.09	- -
Price/Free Cash Flow	10.21	6.47	6.47	7.31	13.8	40.51	- -
Cash Flow to Net Income	1.36	1.34	1.28	1.3	0.68	0.07	0.98
Capital Expenditures	-1	-1	- -	-1	-1	-2	-3