Financial insights of TCBS

MyFinsight

For the quarter ending 2025-09-30, TCBS made $12,633K in revenue. $680K in net income. Net profit margin of 5.38%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans, including fees	4,334	4,271
Taxable	1,055	945
Non taxable	45	47
Dividends on restricted investments	35	44
Federal funds sold	49	55
Deposits with banks	46	112
Total interest income	5,564	5,474
Deposits	1,781	1,797
Advances from fhlb	504	501
Other	2	2
Total interest expense	2,287	2,300
Net interest income	3,277	3,174
Provision for credit losses - loans	487	-37
Provision (credit) for credit losses - off-balance sheet credit exposures	-	-5
Provision for credit losses	487	-42
Net interest income after provision for credit losses	2,790	3,216
Service charges on deposit accounts	188	178
Other service charges and fees	293	284
Net (loss) gain on sale of other real estate owned	-17	-2
Gain on equity investment	-	73
Fair value adjustments to other real estate owned	547	-
Net appreciation on bank-owned life insurance	42	42
Other income	74	4
Total noninterest income (loss)	1,127	579
Salaries and employee benefits	1,566	1,569
Occupancy and equipment expense	304	266
Data processing	270	244
Technology expense	104	76
Contract services	67	63
Director fees	53	71
Other expense	787	684
Total noninterest expense	3,151	2,973
Income (loss) before income taxes	766	822
Income tax expense (benefit)	86	144
Net income (loss)	680	678

Earnings per share, basic	0.25	0.24
Earnings per share, diluted	0.24	0.23
Weighted average number of shares outstanding, basic	2,769,294	2,828,769
Weighted average number of shares outstanding, diluted	2,865,622	2,922,938