Financial insights of TECTP

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-12-31
Loan, including fees	18,370	17,502	15,867	13,680*
Securities	542	543	530	553*
Federal funds sold	15	12	12	13*
Interest-bearing deposits	1,475	691	887	761*
Total interest income	20,402	18,748	17,296	15,006*
Deposits	9,022	8,213	8,014	6,881*
Borrowed funds	322	319	318	416*
Total interest expense	9,344	8,532	8,332	7,297*
Net interest income	11,058	10,216	8,964	7,709*
Provision for credit losses	2,003	1,836	855	1,449*
Net interest income after provision for credit losses	9,055	8,380	8,109	6,260*
Trust income	2,084	1,955	1,964	1,865*
Rental income	-	-	-	91*
Loss on sale of loans	0	-	-	-468*
Advisory income	4,795	4,542	4,399	5,985*
Brokerage income	2,190	2,513	3,163	2,249*
Service fees and other income	2,917	2,391	3,342	2,474*
Total non-interest income	11,986	11,401	12,868	12,195*
Salaries and employee benefits	9,195	9,456	10,348	10,335*
Occupancy and equipment	536	537	539	526*
Trust expenses	635	608	630	638*
Brokerage and advisory direct costs	587	647	638	569*
Professional fees	569	538	574	354*
Data processing	350	381	323	289*
Other	2,110	2,019	2,243	1,961*
Total non-interest expense	13,982	14,186	15,295	14,670*
Income before income taxes	7,059	5,595	5,682	3,785*
Income tax expense	1,564	1,324	1,229	1,678*
Net income	5,495	4,271	4,453	2,107*
Preferred stock dividends	493	471	524	456*
Net income available to common stockholders	5,002	3,800	3,929	1,651

Basic EPS	0.74	0.56	0.58	0.233
Diluted EPS	0.73	0.55	0.57	0.23
Basic Average Shares	6,776,601	6,776,601	6,820,440	7,082,726
Diluted Average Shares	6,876,918	6,875,000	6,917,769	7,175,824

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