Call reports 2020
TCM BANK, NATIONAL ASSOCIATION — 2020
What TCM BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 302,886,000 | 270,372,000 | 263,594,000 | 270,507,000 |
| Total loans | 258,163,000 | 237,469,000 | 234,370,000 | 244,610,000 |
| Allowance for loan losses | 8,288,000 | 11,108,000 | 10,976,000 | 11,080,000 |
| Securities available for sale | 2,791,000 | 2,759,000 | 2,690,000 | 547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,339,000 | 205,660,000 | 198,714,000 | 203,760,000 |
| Interest-bearing deposits | 233,926,000 | 205,182,000 | 198,162,000 | 203,186,000 |
| Noninterest-bearing deposits | 413,000 | 478,000 | 552,000 | 574,000 |
| Equity capital | 56,891,000 | 54,224,000 | 54,370,000 | 54,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,849,000 | 12,658,000 | 17,727,000 | 22,750,000 |
| Interest expense | 1,376,000 | 2,447,000 | 3,223,000 | 3,781,000 |
| Net interest income | 5,473,000 | 10,211,000 | 14,504,000 | 18,969,000 |
| Noninterest income | 6,674,000 | 12,162,000 | 18,677,000 | 25,756,000 |
| Noninterest expense | 9,507,000 | 18,377,000 | 27,091,000 | 36,442,000 |
| Provision for loan losses | 1,651,000 | 6,669,000 | 8,563,000 | 10,441,000 |
| Pretax income | 989,000 | -2,673,000 | -2,473,000 | -2,231,000 |
| Income tax | 262,000 | -712,000 | -659,000 | -594,000 |
| Net income | 727,000 | -1,961,000 | -1,814,000 | -1,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,263,000 | 49,822,000 | 50,220,000 | 50,280,000 |
| Total capital | 55,794,000 | 53,079,000 | 53,425,000 | 53,609,000 |
| Risk-weighted assets | 277,340,000 | 252,244,000 | 248,270,000 | 258,238,000 |