Financial insights of TCBS

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	17,681
Taxable	3,947
Non taxable	176
Dividends on restricted investments	167
Federal funds sold	207
Deposits with banks	323
Financial derivative	-10
Total interest income	22,491
Deposits	7,105
Advances from fhlb	2,063
Other	9
Total interest expense	9,177
Net interest income	13,314
Provision for credit losses - loans	736
Provision (credit) for credit losses - off-balance sheet credit exposures	95
Provision for credit losses	831
Net interest income after provision for credit losses	12,483
Service charges on deposit accounts	729
Other service charges and fees	1,154
Net gain on securities transactions	117
Net (loss) gain on sale of other real estate owned	-19
Fair value adjustments to other real estate owned	495
Net appreciation on bank-owned life insurance	173
Gain on other investment	198
Other income	232
Total noninterest income (loss)	3,079
Salaries and employee benefits	6,532
Occupancy and equipment expense	1,098
Data processing	1,013
Technology expense	298
Contract services	262
Director fees	248
Other expense	2,747
Total noninterest expense	12,198
Income (loss) before income taxes	3,364
Income tax expense (benefit)	522
Net income (loss)	2,842

Basic EPS	1.04
Diluted EPS	1
Basic Average Shares	2,727,212
Diluted Average Shares	2,855,459