Call reports 2016
TCM BANK, NATIONAL ASSOCIATION — 2016
What TCM BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 175,495,000 | 292,249,000 | 305,950,000 | 311,368,000 |
| Total loans | 153,954,000 | 263,930,000 | 264,764,000 | 279,764,000 |
| Allowance for loan losses | 4,028,000 | 3,403,000 | 5,438,000 | 5,791,000 |
| Securities available for sale | 4,059,000 | 3,975,000 | 3,876,000 | 3,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,633,000 | 232,770,000 | 244,898,000 | 248,366,000 |
| Interest-bearing deposits | 113,808,000 | 231,970,000 | 244,123,000 | 247,614,000 |
| Noninterest-bearing deposits | 1,825,000 | 800,000 | 775,000 | 752,000 |
| Equity capital | 46,119,000 | 46,415,000 | 47,000,000 | 47,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,116,000 | 8,443,000 | 15,435,000 | 21,988,000 |
| Interest expense | 338,000 | 756,000 | 1,371,000 | 2,056,000 |
| Net interest income | 3,778,000 | 7,687,000 | 14,064,000 | 19,932,000 |
| Noninterest income | 3,308,000 | 7,523,000 | 13,957,000 | 19,885,000 |
| Noninterest expense | 5,502,000 | 12,411,000 | 20,803,000 | 28,895,000 |
| Provision for loan losses | 980,000 | 1,600,000 | 5,115,000 | 7,000,000 |
| Pretax income | 604,000 | 1,199,000 | 2,103,000 | 3,922,000 |
| Income tax | 233,000 | 470,000 | 786,000 | 1,535,000 |
| Net income | 371,000 | 729,000 | 1,317,000 | 2,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,385,000 | 44,956,000 | 45,528,000 | 46,336,000 |
| Total capital | 47,422,000 | 48,405,000 | 48,981,000 | 49,968,000 |
| Risk-weighted assets | 160,888,000 | 275,850,000 | 274,030,000 | 288,062,000 |