Call reports 2003
TCM BANK, NATIONAL ASSOCIATION — 2003
What TCM BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 71,083,000 | 78,475,000 | 82,457,000 | 90,567,000 |
| Total loans | 58,297,000 | 65,736,000 | 71,450,000 | 80,437,000 |
| Allowance for loan losses | 2,892,000 | 3,165,000 | 3,440,000 | 3,743,000 |
| Securities available for sale | 362,000 | 344,000 | 323,000 | 304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,895,000 | 68,815,000 | 71,674,000 | 79,052,000 |
| Interest-bearing deposits | 61,650,000 | 68,600,000 | 71,398,000 | 78,748,000 |
| Noninterest-bearing deposits | 245,000 | 215,000 | 276,000 | 304,000 |
| Equity capital | 8,018,000 | 8,545,000 | 9,635,000 | 10,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,883,000 | 3,809,000 | 5,934,000 | 8,184,000 |
| Interest expense | 312,000 | 622,000 | 914,000 | 1,212,000 |
| Net interest income | 1,571,000 | 3,187,000 | 5,020,000 | 6,972,000 |
| Noninterest income | 606,000 | 1,339,000 | 2,221,000 | 3,251,000 |
| Noninterest expense | 1,538,000 | 3,257,000 | 5,115,000 | 7,039,000 |
| Provision for loan losses | 585,000 | 1,170,000 | 1,885,000 | 2,655,000 |
| Pretax income | 54,000 | 99,000 | 241,000 | 529,000 |
| Income tax | 18,000 | 34,000 | 82,000 | 180,000 |
| Net income | 36,000 | 65,000 | 159,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,619,000 | 6,940,000 | 8,058,000 | 8,613,000 |
| Total capital | 7,417,000 | 7,831,000 | 9,022,000 | 9,687,000 |
| Risk-weighted assets | 61,787,000 | 69,041,000 | 74,609,000 | 83,261,000 |