Call reports 2005
TCM BANK, NATIONAL ASSOCIATION — 2005
What TCM BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 116,542,000 | 128,980,000 | 139,920,000 | 139,906,000 |
| Total loans | 101,509,000 | 108,659,000 | 117,218,000 | 123,072,000 |
| Allowance for loan losses | 3,327,000 | 3,907,000 | 4,327,000 | 4,719,000 |
| Securities available for sale | 772,000 | 757,000 | 707,000 | 678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,146,000 | 111,219,000 | 121,248,000 | 121,720,000 |
| Interest-bearing deposits | 95,182,000 | 107,495,000 | 117,584,000 | 118,157,000 |
| Noninterest-bearing deposits | 3,964,000 | 3,724,000 | 3,664,000 | 3,563,000 |
| Equity capital | 15,493,000 | 15,827,000 | 16,028,000 | 16,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,014,000 | 7,484,000 | 11,283,000 | 15,226,000 |
| Interest expense | 631,000 | 1,421,000 | 2,465,000 | 3,636,000 |
| Net interest income | 3,383,000 | 6,063,000 | 8,818,000 | 11,590,000 |
| Noninterest income | 1,274,000 | 2,732,000 | 4,239,000 | 6,341,000 |
| Noninterest expense | 2,697,000 | 5,371,000 | 8,292,000 | 11,730,000 |
| Provision for loan losses | 1,260,000 | 2,231,000 | 3,260,000 | 4,645,000 |
| Pretax income | 700,000 | 1,193,000 | 1,505,000 | 1,556,000 |
| Income tax | 238,000 | 406,000 | 512,000 | 529,000 |
| Net income | 462,000 | 787,000 | 993,000 | 1,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,395,000 | 12,040,000 | 11,703,000 | 12,295,000 |
| Total capital | 12,762,000 | 13,521,000 | 13,301,000 | 13,953,000 |
| Risk-weighted assets | 107,434,000 | 116,055,000 | 125,092,000 | 129,550,000 |