Call reports 2004
TCM BANK, NATIONAL ASSOCIATION — 2004
What TCM BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 89,223,000 | 97,928,000 | 112,329,000 | 123,634,000 |
| Total loans | 75,690,000 | 84,111,000 | 89,591,000 | 107,026,000 |
| Allowance for loan losses | 3,855,000 | 4,179,000 | 4,556,000 | 2,516,000 |
| Securities available for sale | 290,000 | 952,000 | 885,000 | 816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,599,000 | 85,402,000 | 98,483,000 | 107,257,000 |
| Interest-bearing deposits | 77,348,000 | 85,137,000 | 98,193,000 | 103,315,000 |
| Noninterest-bearing deposits | 251,000 | 265,000 | 290,000 | 3,942,000 |
| Equity capital | 10,449,000 | 11,559,000 | 12,761,000 | 15,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,373,000 | 4,776,000 | 7,590,000 | 10,888,000 |
| Interest expense | 311,000 | 648,000 | 1,100,000 | 1,673,000 |
| Net interest income | 2,062,000 | 4,128,000 | 6,490,000 | 9,215,000 |
| Noninterest income | 921,000 | 1,934,000 | 3,058,000 | 4,340,000 |
| Noninterest expense | 1,936,000 | 3,931,000 | 6,128,000 | 8,667,000 |
| Provision for loan losses | 851,000 | 1,766,000 | 2,761,000 | 3,806,000 |
| Pretax income | 196,000 | 365,000 | 659,000 | 1,082,000 |
| Income tax | 67,000 | 124,000 | 224,000 | 368,000 |
| Net income | 129,000 | 241,000 | 435,000 | 714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,962,000 | 9,280,000 | 9,983,000 | 10,575,000 |
| Total capital | 9,986,000 | 10,419,000 | 11,216,000 | 12,009,000 |
| Risk-weighted assets | 79,121,000 | 88,083,000 | 95,332,000 | 113,649,000 |