Financial insights of TCBK

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30	2024-09-30	2024-06-30
Loans, including fees	101,004	98,695	98,085	98,229
Taxable securities	14,945	14,548	16,812	16,617
Tax exempt securities	872	879	897	915
Dividends	376	373	376	387
Interest bearing cash at federal reserve and other banks	2,790	1,866	1,177	884
Total interest and dividend income	119,987	116,361	117,347	117,032
Deposits	29,201	28,038	30,688	29,021
Other borrowings	3	92	2,144	4,118
Junior subordinated debt	1,228	1,712	1,904	1,896
Total interest expense	30,432	29,842	34,736	35,035
Net interest income	89,555	86,519	82,611	81,997
Provision for credit losses	670	4,665	220	405
Net interest income after credit loss provision	88,885	81,854	82,391	81,592
Service charges and fees	13,751	13,650	12,782	12,796
Gain on sale of loans	327	503	549	388
Gain (loss) on sale or exchange of investment securities	-2,124	4	2	-45
Asset management and commission income	1,932	1,635	1,502	1,359
Increase in cash value of life insurance	871	842	786	831
Other	3,250	456	874	537
Total non-interest income	18,007	17,090	16,495	15,866
Salaries and related benefits	37,729	38,286	35,550	35,401
Other	22,695	22,845	23,937	22,938
Total non-interest expense	60,424	61,131	59,487	58,339
Income before provision for income taxes	46,468	37,813	39,399	39,119
Provision for income taxes	12,449	10,271	10,348	10,085
Net income	34,019	27,542	29,051	29,034

Basic EPS	1.04	0.84	0.88	0.88
Diluted EPS	1.04	0.84	0.88	0.87
Basic Average Shares	32,542,000	32,757,000	32,993,000	33,121,000
Diluted Average Shares	32,723,000	32,936,000	33,137,000	33,244,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.