Call reports 2007
TCM BANK, NATIONAL ASSOCIATION — 2007
What TCM BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 137,522,000 | 137,378,000 | 143,618,000 | 145,496,000 |
| Total loans | 118,269,000 | 120,818,000 | 125,235,000 | 131,378,000 |
| Allowance for loan losses | 4,685,000 | 4,836,000 | 4,974,000 | 4,914,000 |
| Securities available for sale | 1,297,000 | 1,248,000 | 1,495,000 | 1,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,827,000 | 110,518,000 | 115,907,000 | 117,893,000 |
| Interest-bearing deposits | 110,415,000 | 110,098,000 | 115,462,000 | 117,416,000 |
| Noninterest-bearing deposits | 412,000 | 420,000 | 445,000 | 477,000 |
| Equity capital | 20,784,000 | 20,910,000 | 21,263,000 | 21,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,793,000 | 9,282,000 | 14,049,000 | 18,850,000 |
| Interest expense | 1,591,000 | 3,112,000 | 4,738,000 | 6,323,000 |
| Net interest income | 3,202,000 | 6,170,000 | 9,311,000 | 12,527,000 |
| Noninterest income | 1,620,000 | 3,356,000 | 5,369,000 | 7,293,000 |
| Noninterest expense | 3,138,000 | 6,364,000 | 9,768,000 | 13,491,000 |
| Provision for loan losses | 1,163,000 | 2,423,000 | 3,628,000 | 4,708,000 |
| Pretax income | 521,000 | 739,000 | 1,284,000 | 1,621,000 |
| Income tax | 244,000 | 326,000 | 531,000 | 658,000 |
| Net income | 277,000 | 413,000 | 753,000 | 963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,892,000 | 20,610,000 | 20,861,000 | 21,469,000 |
| Total capital | 21,509,000 | 22,250,000 | 22,564,000 | 23,238,000 |
| Risk-weighted assets | 126,232,000 | 127,958,000 | 132,914,000 | 138,345,000 |