Call reports 2015
TCM BANK, NATIONAL ASSOCIATION — 2015
What TCM BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 174,121,000 | 179,065,000 | 182,957,000 | 181,731,000 |
| Total loans | 151,739,000 | 153,591,000 | 155,641,000 | 164,992,000 |
| Allowance for loan losses | 4,742,000 | 4,276,000 | 3,992,000 | 3,888,000 |
| Securities available for sale | 4,575,000 | 4,358,000 | 4,255,000 | 4,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,898,000 | 117,639,000 | 122,507,000 | 122,268,000 |
| Interest-bearing deposits | 111,013,000 | 115,808,000 | 120,671,000 | 120,445,000 |
| Noninterest-bearing deposits | 885,000 | 1,831,000 | 1,836,000 | 1,823,000 |
| Equity capital | 45,494,000 | 45,173,000 | 45,748,000 | 46,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,179,000 | 8,075,000 | 12,197,000 | 16,395,000 |
| Interest expense | 272,000 | 545,000 | 854,000 | 1,174,000 |
| Net interest income | 3,907,000 | 7,530,000 | 11,343,000 | 15,221,000 |
| Noninterest income | 2,930,000 | 6,171,000 | 9,467,000 | 12,979,000 |
| Noninterest expense | 5,124,000 | 10,160,000 | 15,411,000 | 21,324,000 |
| Provision for loan losses | 830,000 | 1,270,000 | 1,750,000 | 2,575,000 |
| Pretax income | 883,000 | 2,271,000 | 3,649,000 | 4,301,000 |
| Income tax | 333,000 | 858,000 | 1,376,000 | 1,693,000 |
| Net income | 550,000 | 1,413,000 | 2,273,000 | 2,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,030,000 | 44,770,000 | 45,237,000 | 45,523,000 |
| Total capital | 47,043,000 | 46,795,000 | 47,297,000 | 47,697,000 |
| Risk-weighted assets | 158,227,000 | 159,645,000 | 162,789,000 | 172,151,000 |