Call reports 2008
TCM BANK, NATIONAL ASSOCIATION — 2008
What TCM BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 130,904,000 | 136,948,000 | 145,227,000 | 155,132,000 |
| Total loans | 123,034,000 | 123,761,000 | 131,781,000 | 140,779,000 |
| Allowance for loan losses | 5,015,000 | 5,106,000 | 5,265,000 | 5,327,000 |
| Securities available for sale | 1,465,000 | 1,416,000 | 1,374,000 | 1,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,464,000 | 110,664,000 | 117,407,000 | 126,722,000 |
| Interest-bearing deposits | 102,960,000 | 110,162,000 | 116,917,000 | 126,220,000 |
| Noninterest-bearing deposits | 504,000 | 502,000 | 490,000 | 502,000 |
| Equity capital | 21,642,000 | 21,691,000 | 21,713,000 | 21,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,462,000 | 8,511,000 | 12,739,000 | 17,182,000 |
| Interest expense | 1,307,000 | 2,344,000 | 3,418,000 | 4,374,000 |
| Net interest income | 3,155,000 | 6,167,000 | 9,321,000 | 12,808,000 |
| Noninterest income | 2,216,000 | 4,102,000 | 6,002,000 | 7,964,000 |
| Noninterest expense | 3,529,000 | 6,915,000 | 10,421,000 | 14,262,000 |
| Provision for loan losses | 1,585,000 | 2,992,000 | 4,512,000 | 6,232,000 |
| Pretax income | 257,000 | 362,000 | 390,000 | 278,000 |
| Income tax | 97,000 | 136,000 | 148,000 | 106,000 |
| Net income | 160,000 | 226,000 | 242,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,629,000 | 21,693,000 | 21,710,000 | 21,641,000 |
| Total capital | 23,275,000 | 23,372,000 | 23,494,000 | 23,549,000 |
| Risk-weighted assets | 128,217,000 | 130,405,000 | 139,435,000 | 149,164,000 |