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Income Overview
Net Income
$970K
EPS
$0.35
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans, including fees
4,924
4,654
4,767*
4,334
Taxable
721
726
947*
1,055
Non taxable
35
36
38*
45
Dividends on restricted investments
31
34
49*
35
Federal funds sold
42
61
51*
49
Deposits with banks
71
59
86*
46
Financial derivative
-
-
-2*
-
Total interest income
5,824
5,570
5,935*
5,564
Deposits
1,677
1,648
1,739*
1,781
Advances from fhlb
465
489
556*
504
Other
2
2
3*
2
Total interest expense
2,144
2,139
2,297*
2,287
Net interest income
3,680
3,431
3,638*
3,277
Provision for credit losses - loans
145
6
61*
487
Provision (credit) for credit losses - off-balance sheet credit exposures
-41
-
103*
-
Provision (credit) for credit losses
104
6
164*
487
Net interest income after provision (credit) for credit losses
3,576
3,425
3,474*
2,790
Service charges on deposit accounts
183
180
180*
188
Other service charges and fees
332
275
289*
293
Net gain on securities transactions
-
-
29*
-
Net gain on sale of other real estate owned
-
-25
10*
-17
Fair value adjustments to other real estate owned
-
-
-199*
547
Net appreciation on bank-owned life insurance
41
43
47*
42
Gain on other investment
-
-
50*
-
Other income
175
225
115*
74
Total noninterest income
731
698
520*
1,127
Salaries and employee benefits
1,640
1,643
1,830*
1,566
Occupancy and equipment expense
307
288
243*
304
Data processing
293
277
242*
270
Technology expense
97
134
28*
104
Contract services
76
69
67*
67
Director fees
49
53
62*
53
Other expense
698
704
541*
787
Total noninterest expense
3,160
3,168
3,012*
3,151
Income before income taxes
1,147
955
982*
766
Income tax expense
177
119
177*
86
Net income
970
836
805
680
Basic EPS
0.37
0.32
0.312
0.25
Diluted EPS
0.35
0.31
0.29
0.24
Basic Average Shares
2,651,030
2,645,472
2,583,573
2,769,294
Diluted Average Shares
2,742,784
2,736,745
2,777,817
2,865,622
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$4,924K
(15.29%↑ Y/Y)
Taxable
$721K
(-23.70%↓ Y/Y)
Deposits with banks
$71K
(-36.61%↓ Y/Y)
Federal funds sold
$42K
(-23.64%↓ Y/Y)
Non taxable
$35K
(-25.53%↓ Y/Y)
Dividends on restricted
investments
$31K
(-29.55%↓ Y/Y)
Total interest income
$5,824K
(6.39%↑ Y/Y)
Net interest income
$3,680K
(15.94%↑ Y/Y)
Other service charges
and fees
$332K
(16.90%↑ Y/Y)
Service charges on
deposit accounts
$183K
(2.81%↑ Y/Y)
Other income
$175K
(4275.00%↑ Y/Y)
Net appreciation on
bank-owned life insurance
$41K
(-2.38%↓ Y/Y)
Total interest
expense
$2,144K
(-6.78%↓ Y/Y)
Net interest income
after provision...
$3,576K
(11.19%↑ Y/Y)
Total noninterest
income
$731K
(26.25%↑ Y/Y)
Provision (credit) for
credit losses
$104K
(347.62%↑ Y/Y)
Provision (credit) for
credit losses -...
-$41K
(-720.00%↓ Y/Y)
Deposits
$1,677K
(-6.68%↓ Y/Y)
Advances from fhlb
$465K
(-7.19%↓ Y/Y)
Other
$2K
(0.00%↑ Y/Y)
Income before income
taxes
$1,147K
(39.54%↑ Y/Y)
Total noninterest
expense
$3,160K
(6.29%↑ Y/Y)
Provision for credit
losses - loans
$145K
(491.89%↑ Y/Y)
Net income
$970K
(43.07%↑ Y/Y)
Income tax expense
$177K
(22.92%↑ Y/Y)
Salaries and employee
benefits
$1,640K
(4.53%↑ Y/Y)
Other expense
$698K
(2.05%↑ Y/Y)
Occupancy and equipment
expense
$307K
(15.41%↑ Y/Y)
Data processing
$293K
(20.08%↑ Y/Y)
Technology expense
$97K
(27.63%↑ Y/Y)
Contract services
$76K
(20.63%↑ Y/Y)
Director fees
$49K
(-30.99%↓ Y/Y)
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Texas Community Bancshares, Inc. (TCBS)
Texas Community Bancshares, Inc. (TCBS)