$TCBC
TC Bancshares, Inc.

2022 Q3 Form 10-Q Financial Statement

#000095017022016938 Filed on August 11, 2022

View on sec.gov

Income Statement

Concept 2022 Q3 2022 Q2 2022 Q1
Revenue $4.049M $3.584M $3.352M
YoY Change 20.03% 14.7% 0.11%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $0.00 $0.00 $0.00
YoY Change -100.0%
% of Gross Profit
Depreciation & Amortization $147.8K $134.7K $125.6K
YoY Change 34.35% 12.27% 25.63%
% of Gross Profit
Operating Expenses $0.00 $0.00 $0.00
YoY Change -100.0%
Operating Profit
YoY Change
Interest Expense $283.6K $176.8K $165.1K
YoY Change 21.67% -36.77% -48.62%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $915.3K $770.4K $910.0K
YoY Change 17.15% 4.22% -8.66%
Income Tax $212.3K $175.9K $214.1K
% Of Pretax Income 23.19% 22.84% 23.53%
Net Earnings $703.0K $594.5K $695.9K
YoY Change 17.59% 4.26% -9.03%
Net Earnings / Revenue 17.36% 16.59% 20.76%
Basic Earnings Per Share $0.14 $0.12 $0.14
Diluted Earnings Per Share $0.14 $0.12 $0.14
COMMON SHARES
Basic Shares Outstanding 4.898M 4.898M 4.898M
Diluted Shares Outstanding 4.871M 4.898M 4.898M

Balance Sheet

Concept 2022 Q3 2022 Q2 2022 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $23.73M $58.46M $53.42M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $3.133M $3.138M $3.201M
YoY Change -4.91% -7.69% -6.48%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $406.2M $431.4M $397.9M
YoY Change 5.05% 6.19% 9.43%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $5.706M $5.485M $4.883M
YoY Change -20.75% -20.5% -26.01%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $5.706M $5.485M $4.883M
YoY Change -20.75% -20.5% -26.01%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $0.00 $0.00 $0.00
YoY Change -100.0%
TOTAL LIABILITIES
Total Short-Term Liabilities $5.706M $5.485M $4.883M
Total Long-Term Liabilities $0.00 $0.00 $0.00
Total Liabilities $321.6M $345.8M $311.7M
YoY Change 6.64% -5.28% -3.53%
SHAREHOLDERS EQUITY
Retained Earnings $46.36M $45.66M $45.31M
YoY Change 5.59% 6.02%
Common Stock $48.98K $48.98K $48.98K
YoY Change 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost) $734.1K
YoY Change
Treasury Stock Shares $51.52K
Shareholders Equity $84.65M $85.53M $86.19M
YoY Change
Total Liabilities & Shareholders Equity $406.2M $431.4M $397.9M
YoY Change 5.05% 6.19% 9.43%

Cashflow Statement

Concept 2022 Q3 2022 Q2 2022 Q1
OPERATING ACTIVITIES
Net Income $703.0K $594.5K $695.9K
YoY Change 17.59% 4.26% -9.03%
Depreciation, Depletion And Amortization $147.8K $134.7K $125.6K
YoY Change 34.35% 12.27% 25.63%
Cash From Operating Activities $985.2K $2.348M $1.037M
YoY Change 2.62% -702.06% -37.72%
INVESTING ACTIVITIES
Capital Expenditures -$78.17K -$28.57K $70.61K
YoY Change 160.57% -4.77% 2.24%
Acquisitions
YoY Change
Other Investing Activities -$10.18M -$30.79M -$6.956M
YoY Change -52.9% 93.27% -191.77%
Cash From Investing Activities -$10.26M -$30.82M -$7.027M
YoY Change -52.61% 93.08% -193.51%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -25.45M 33.50M 17.52M
YoY Change 24.75% -19.64% 35.34%
NET CHANGE
Cash From Operating Activities 985.2K 2.348M 1.037M
Cash From Investing Activities -10.26M -30.82M -7.027M
Cash From Financing Activities -25.45M 33.50M 17.52M
Net Change In Cash -34.72M 5.036M 11.53M
YoY Change -15.49% -80.13% -47.89%
FREE CASH FLOW
Cash From Operating Activities $985.2K $2.348M $1.037M
Capital Expenditures -$78.17K -$28.57K $70.61K
Free Cash Flow $1.063M $2.377M $966.2K
YoY Change 7.41% -760.17% -39.45%

Facts In Submission

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<p style="text-indent:0.0%;font-size:10.0pt;margin-top:6.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;font-style:italic;min-width:fit-content;">Nature of Operations:</span><span style="color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;font-style:italic;min-width:fit-content;"> </span></p><p style="margin-left:4.533%;text-indent:0.0%;font-size:10.0pt;margin-top:6.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;">TC Bancshares, Inc. ("Company") is a Bank holding company incorporated under the laws of the State of Georgia in 2021, to serve as the holding company for TC Federal Bank ("Bank"). The Company owns </span><span style="font-size:10.0pt;font-family:Times New Roman;background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;">100</span><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;">% of the outstanding stock of the Bank. See Note 8 for a detailed discussion of the Company. The Bank was organized in 1934 and chartered in 1937 by the Federal Home Loan Bank Board as a mutual savings and loan association owned 100% by its depositors. The Bank operates one branch in Thomasville, Georgia, and one in Tallahassee, Florida as well as loan production offices in Tallahassee, Florida and Savannah, Georgia, that provide a variety of services to individuals and corporate customers in their markets. The Bank’s primary deposit products are interest-bearing checking accounts, savings accounts, and certificates of deposit. Its primary lending products consist of single-family residential mortgage loans and commercial and multi-family real estate loans. The Bank is regulated by the Office of the Comptroller of the Currency (“OCC”) and its deposits are insured by the Federal Deposit Insurance Corporation (“FDIC”). The Bank undergoes periodic examinations by the OCC. The Company is subject to the supervision, examination, and reporting requirements of the Bank Holding Company Act and the regulations of the Board of Governors of the Federal Reserve System (the "Federal Reserve").</span></p>
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3038366
CY2021Q2 us-gaap Impaired Financing Receivable With No Related Allowance Interest Income Accrual Method
ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
44
CY2021Q2 us-gaap Impaired Financing Receivable With No Related Allowance Interest Income Cash Basis Method
ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod
22449
us-gaap Impaired Financing Receivable With No Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
1411247
us-gaap Impaired Financing Receivable With No Related Allowance Interest Income Accrual Method
ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
32202
us-gaap Impaired Financing Receivable With No Related Allowance Interest Income Cash Basis Method
ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod
30638
us-gaap Impaired Financing Receivable With No Related Allowance Average Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment
3047485
us-gaap Impaired Financing Receivable With No Related Allowance Interest Income Accrual Method
ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod
21809
us-gaap Impaired Financing Receivable With No Related Allowance Interest Income Cash Basis Method
ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod
46341
CY2022Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
305617674
CY2022Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
569821
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
271387143
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
414406
CY2022Q2 us-gaap Debt Securities Held To Maturity90 Days Or More Past Due Still Accruing
DebtSecuritiesHeldToMaturity90DaysOrMorePastDueStillAccruing
0
CY2021Q4 us-gaap Debt Securities Held To Maturity90 Days Or More Past Due Still Accruing
DebtSecuritiesHeldToMaturity90DaysOrMorePastDueStillAccruing
0
us-gaap Loan Restructuring Trial Modifications Amount
LoanRestructuringTrialModificationsAmount
0
us-gaap Loan Restructuring Trial Modifications Amount
LoanRestructuringTrialModificationsAmount
0
CY2022Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
305617674
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
271387143
CY2022Q2 us-gaap Fair Value Disclosure Offbalance Sheet Risks Amount Liability
FairValueDisclosureOffbalanceSheetRisksAmountLiability
39191000
CY2021Q4 us-gaap Fair Value Disclosure Offbalance Sheet Risks Amount Liability
FairValueDisclosureOffbalanceSheetRisksAmountLiability
28204000
CY2022Q2 tcbc Common Equity Tier One Risk Based Capital Required For Capital Adequacy
CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacy
13315
CY2022Q2 tcbc Common Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
CommonTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.0450
CY2022Q2 us-gaap Common Equity Tier One Capital Required To Be Well Capitalized
CommonEquityTierOneCapitalRequiredToBeWellCapitalized
19232
CY2022Q2 tcbc Common Equity Tier One Capital Required To Be Well Capitalized To Risk Weighted Assets
CommonEquityTierOneCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.0650
CY2022Q2 us-gaap Capital
Capital
68918
CY2022Q2 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
23.29
CY2022Q2 us-gaap Capital Required For Capital Adequacy
CapitalRequiredForCapitalAdequacy
23670
CY2022Q2 us-gaap Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
8.00
CY2022Q2 us-gaap Capital Required To Be Well Capitalized
CapitalRequiredToBeWellCapitalized
29588
CY2022Q2 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
10.00
CY2022Q2 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
65213
CY2022Q2 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
22.04
CY2022Q2 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
TierOneRiskBasedCapitalRequiredForCapitalAdequacy
17753
CY2022Q2 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
6.00
CY2022Q2 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
TierOneRiskBasedCapitalRequiredToBeWellCapitalized
23670
CY2022Q2 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
8.00
CY2022Q2 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
65213
CY2022Q2 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
15.84
CY2022Q2 us-gaap Tier One Leverage Capital Required For Capital Adequacy
TierOneLeverageCapitalRequiredForCapitalAdequacy
16467
CY2022Q2 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
4.00
CY2022Q2 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
20583
CY2022Q2 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
5.00
CY2021Q4 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
63764
CY2021Q4 us-gaap Common Equity Tier One Capital Ratio
CommonEquityTierOneCapitalRatio
25.08
CY2021Q4 tcbc Common Equity Tier One Risk Based Capital Required For Capital Adequacy
CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacy
11441
CY2021Q4 tcbc Common Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
CommonTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.0450
CY2021Q4 us-gaap Common Equity Tier One Capital Required To Be Well Capitalized
CommonEquityTierOneCapitalRequiredToBeWellCapitalized
16526
CY2021Q4 tcbc Common Equity Tier One Capital Required To Be Well Capitalized To Risk Weighted Assets
CommonEquityTierOneCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.0650
CY2021Q4 us-gaap Capital
Capital
66954
CY2021Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
26.33
CY2021Q4 us-gaap Capital Required For Capital Adequacy
CapitalRequiredForCapitalAdequacy
20340
CY2021Q4 us-gaap Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
8.00
CY2021Q4 us-gaap Capital Required To Be Well Capitalized
CapitalRequiredToBeWellCapitalized
25425
CY2021Q4 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
10.00
CY2021Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
63764
CY2021Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
25.08
CY2021Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
TierOneRiskBasedCapitalRequiredForCapitalAdequacy
15255
CY2021Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
6.00
CY2021Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
TierOneRiskBasedCapitalRequiredToBeWellCapitalized
20340
CY2021Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
8.00
CY2021Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
63764
CY2021Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
16.64
CY2021Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy
TierOneLeverageCapitalRequiredForCapitalAdequacy
15327
CY2021Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
4.00
CY2021Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
19159
CY2021Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
5.00
CY2021Q3 tcbc Regulatory Requirementsamount Transferred To Liquidation Account At The Time Of Convrsion
RegulatoryRequirementsamountTransferredToLiquidationAccountAtTheTimeOfConvrsion
42000000.0

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