TCM Bank, National Association in Tampa, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

TCM Bank, National Association - Overview

  • General
  • FDIC Certificate #: 34535
    Status: Active
    Federal Reserve ID: 2687487
    Date Established: May 18, 1998
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 59042
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Credit Card Institutions: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Credit-Card Specialization
    Date of Deposit Insurance: May 18, 1998
    Last Structure Change Effective Date: May 05, 2008
    Last Structure Change Process Date: May 19, 2008
    Last Data Update: May 19, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 2701 North Rocky Pointe Drive, Suite 700, Tampa, FL 33607
    County: Hillsborough
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Tampa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Tampa-St. Petersburg-Clearwater, FL (#8280)
    Core Based Statistical Area (CBSA): Tampa-St. Petersburg-Clearwater, FL (#45300)
    CBSA Metro Statistical Area: Tampa-St. Petersburg-Clearwater, FL (#45300)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $180.9 mil
    Equity capital: $33.5 mil
    Deposits held in domestic offices: $135.7 mil
    Return on assets (ROA): 3.51% ($6.4 mil)
    Quarterly return on assets: 2.84% ($5.1 mil)
    Return on Equity (ROE): 19.01% ($6.3 mil)
    Quarterly return on equity: 14.95% ($4.9 mil)
    Net income: $5.8 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 5.63% ($10,182.6 mil)
    Quarterly Pretax return on assets: 4.55% ($8,229.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 43Total employees (full-time equivalent)
  • $180,864Total assets
  • $18,371Cash and due from depository institutions
  • $12,885Interest-bearing balances
  • $3,014Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $151,512Net loans & leases
  • $6,736Loan loss allowance
  • $0Trading account assets
  • $415Bank premises and fixed assets
  • $0Other real estate owned
  • $1,155Goodwill and other intangibles
  • $180,864Life insurance assets
  • $6,397All other assets
  • $147,365Total liabilities and capital
  • $135,660Total liabilities
  • $134,606Total deposits
  • $135,660Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,933Trading liabilities
  • $0Other borrowed funds
  • $8,772Subordinated debt
  • $33,499All other liabilities
  • $33,499Total equity capital
  • $33,499Total bank equity capital
  • $0Perpetual preferred stock
  • $569Common stock
  • $20,540Surplus
  • $12,390Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,605Income earned, not collected on loans
  • $0Earning assets
  • $777Long-term assets (5+ years)
  • $167,411Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $165,517Volatile liabilities
  • $173,136Insider loans
  • $161,133FHLB advances
  • $167,703Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $33,426Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $477,311Restructured Loans and leases
  • $55Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,499Total interest income
  • $1,164Total interest expense
  • $16,335Net interest income
  • $1,750Provision for loan and lease losses
  • $11,432Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $11,432Additional noninterest income
  • $16,696Total noninterest expense
  • $4,226Salaries and employee benefits
  • $496Premises and equipment expense
  • $11,974Additional noninterest expense
  • $9,321Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,508Applicable income taxes
  • $5,813Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,813Net income attributable to bank
  • $0Net charge-offs
  • $5,813Cash dividends
  • $4,710Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 11.42%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 10.66%Net interest margin
  • 7.46%Noninterest income to earning assets
  • 10.90%Noninterest expense to earning assets
  • 3.51%Net operating income to assets
  • 3.51%Return on assets (ROA)
  • 5.63%Pretax return on assets
  • 19.01%Return on equity (ROE)
  • 19.01%Retained earnings to average equity (YTD only)
  • 3.19%Net charge-offs to loans
  • 37.15%Credit loss provision to net charge-offs
  • 2.35%Efficiency ratio
  • 55,307Assets per employee
  • 4.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.26%Loss allowance to noncurrent loans
  • 419.69%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 1.01%Net loans and leases to deposits
  • 111.69%Net loans and leases to core deposits
  • 156.56%Equity capital to assets
  • 18.52%Core capital (leverage) ratio
  • 19.93%Tier 1 risk-based capital ratio
  • 20.74%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $165,517Average earning assets
  • $30,585Average equity
  • $153,237Average loans

List of branches

  • 1 Florida Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    059042Tcm Bank, National Association2701 North Rocky Pointe Drive, Suite 700, Tampa, FL 33607May 18, 1998Full Service Brick and Mortar

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