TC Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	23.94	22.58	18.13	13.88	12.82	12.38
Interest Income on Investments	4.49	3.7	2.69	1.45	0.64	0.71
Total Interest Income	28.43	26.28	20.82	15.33	13.46	13.09
Interest Paid on Deposits	11.84	11.12	6.62	1.3	0.98	2.26
Interest Paid on Borrowings	0.54	0.59	0.27	0.06	0.04	0.11
Total Interest Expense	12.37	11.71	6.89	1.36	1.02	2.36
Net Interest Income	16.06	14.57	13.92	13.97	12.45	10.72
Net Interest Income Growth (YoY)	17.22%	4.65%	-0.33%	12.24%	16.08%	13.41%
Gain (Loss) on Sale of Assets	0	0	0.01	-	-	-
Other Non-Interest Income	0.4	0.36	0.35	0.31	0.31	0.32
Total Non-Interest Income	0.99	0.96	1.16	1.95	2.95	2.03
Non-Interest Income Growth (YoY)	-0.83%	-16.77%	-40.82%	-33.87%	45.43%	61.13%
Revenues Before Loan Losses	17.05	15.53	15.08	15.92	15.4	12.75
Provision for Loan Losses	-0.3	-0.06	0.18	0.11	0.12	0.78
Revenue	17.35	15.59	14.91	15.81	15.28	11.97
Revenue Growth (YoY)	20.51%	4.59%	-5.73%	3.50%	27.59%	11.74%
Salaries and Employee Benefits	7.65	7.37	7.55	6.84	7.09	6.44
Occupancy Expenses	1.44	1.43	1.29	0.83	0.82	0.75
Selling, General & Administrative	1.46	1.44	1.32	1.35	0.6	1.39
Other Non-Interest Expense	4.68	4.57	4.33	4.23	3.18	3.06
Total Non-Interest Expense	15.23	14.81	14.53	13.38	11.81	11.63
EBT Excluding Unusual Items	2.12	0.78	0.37	2.44	3.46	0.35
Pretax Income	2.12	0.78	0.37	2.44	3.46	0.35
Income Tax Expense	0.51	0.19	0.11	0.68	0.82	0.04
Net Income	1.61	0.59	0.27	1.76	2.64	0.31
Preferred Dividends & Other Adjustments	-	-	-	-	1.48	-
Net Income to Common	1.61	0.59	0.27	1.76	1.16	0.31
Net Income Growth	-	123.74%	-84.90%	-33.33%	758.25%	-74.52%
Basic Shares Outstanding	4	4	5	5	4	-
Diluted Shares Outstanding	4	4	5	5	4	-
Shares Change (YoY)	-7.38%	-11.32%	-1.75%	11.67%	-	-
EPS (Basic)	0.39	0.14	0.06	0.36	0.27	-
EPS (Diluted)	0.39	0.14	0.06	0.36	0.27	-
EPS Growth	-	151.94%	-84.56%	35.72%	-	-
Dividend Per Share	0.050	-	0.100	0.100	-	-
Effective Tax Rate	23.97%	23.82%	28.93%	27.73%	23.76%	11.44%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.