$TCBC
TC Bancshares, Inc.

2023 Q2 Form 10-Q Financial Statement

#000095017023020659 Filed on May 10, 2023

View on sec.gov

Income Statement

Concept 2023 Q2 2023 Q1
Revenue $5.141M $4.913M
YoY Change 43.44% 46.57%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $120.0K $154.5K
YoY Change -10.93% 22.97%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $1.544M $1.262M
YoY Change 773.25% 664.37%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $192.1K $452.9K
YoY Change -75.07% -50.23%
Income Tax $45.38K $120.9K
% Of Pretax Income 23.62% 26.69%
Net Earnings $146.7K $332.0K
YoY Change -75.32% -52.29%
Net Earnings / Revenue 2.85% 6.76%
Basic Earnings Per Share $0.03 $0.07
Diluted Earnings Per Share $0.03 $0.07
COMMON SHARES
Basic Shares Outstanding 4.839M 4.974M
Diluted Shares Outstanding 4.869M 4.974M

Balance Sheet

Concept 2023 Q2 2023 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $20.17M $26.63M
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 $4.751M $3.980M
YoY Change 51.37% 24.34%
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 $426.7M $429.7M
YoY Change -1.08% 8.0%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $4.500M $6.028M
YoY Change -17.96% 23.45%
Accrued Expenses $2.000M $1.954M
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $6.500M $7.982M
YoY Change 18.5% 63.47%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $0.00 $0.00
YoY Change
TOTAL LIABILITIES
Total Short-Term Liabilities $6.500M $7.982M
Total Long-Term Liabilities $0.00 $0.00
Total Liabilities $343.5M $343.9M
YoY Change -0.68% 10.32%
SHAREHOLDERS EQUITY
Retained Earnings $44.69M $45.57M
YoY Change -2.11% 0.58%
Common Stock $48.00K $49.74K
YoY Change -2.01% 1.55%
Preferred Stock
YoY Change
Treasury Stock (at cost) $0.00 $0.00
YoY Change
Treasury Stock Shares $0.00
Shareholders Equity $83.22M $85.84M
YoY Change
Total Liabilities & Shareholders Equity $426.7M $429.7M
YoY Change -1.08% 8.0%

Cashflow Statement

Concept 2023 Q2 2023 Q1
OPERATING ACTIVITIES
Net Income $146.7K $332.0K
YoY Change -75.32% -52.29%
Depreciation, Depletion And Amortization $120.0K $154.5K
YoY Change -10.93% 22.97%
Cash From Operating Activities -$1.150M $4.411M
YoY Change -148.98% 325.41%
INVESTING ACTIVITIES
Capital Expenditures $850.0K $935.6K
YoY Change -3075.15% 1224.99%
Acquisitions
YoY Change
Other Investing Activities -$2.720M $1.537M
YoY Change -91.17% -122.1%
Cash From Investing Activities -$3.580M $601.8K
YoY Change -88.38% -108.56%
FINANCING ACTIVITIES
Cash Dividend Paid $252.5K
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -1.720M -3.925M
YoY Change -105.13% -122.41%
NET CHANGE
Cash From Operating Activities -1.150M 4.411M
Cash From Investing Activities -3.580M 601.8K
Cash From Financing Activities -1.720M -3.925M
Net Change In Cash -6.450M 1.087M
YoY Change -228.07% -90.57%
FREE CASH FLOW
Cash From Operating Activities -$1.150M $4.411M
Capital Expenditures $850.0K $935.6K
Free Cash Flow -$2.000M $3.475M
YoY Change -184.15% 259.67%

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<p style="text-indent:0.0%;font-size:10.0pt;margin-top:6.0pt;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:&quot;Times New Roman&quot;, serif;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:&quot;Times New Roman&quot;, serif;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;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:&quot;Times New Roman&quot;, serif;min-width:fit-content;">TC Bancshares, Inc. ("Company") is a 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:&quot;Times New Roman&quot;, serif;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:&quot;Times New Roman&quot;, serif;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:&quot;Times New Roman&quot;, serif;min-width:fit-content;">% of the outstanding stock of the Bank. </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:&quot;Times New Roman&quot;, serif;min-width:fit-content;">The Bank was organized in 1934 and chartered in 1937 by the Federal Home Loan </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:&quot;Times New Roman&quot;, serif;min-width:fit-content;">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 and Jacksonville, 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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20470
CY2022Q4 tcbc Common Equity Tier One Capital Required To Be Well Capitalized To Risk Weighted Assets
CommonEquityTierOneCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.0650
CY2022Q4 us-gaap Capital
Capital
71094
CY2022Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.2257
CY2022Q4 us-gaap Capital Required For Capital Adequacy
CapitalRequiredForCapitalAdequacy
25194
CY2022Q4 us-gaap Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.0800
CY2022Q4 us-gaap Capital Required To Be Well Capitalized
CapitalRequiredToBeWellCapitalized
31492
CY2022Q4 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.1000
CY2022Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.2132
CY2022Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
TierOneRiskBasedCapitalRequiredForCapitalAdequacy
18895
CY2022Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.0600
CY2022Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
TierOneRiskBasedCapitalRequiredToBeWellCapitalized
25194
CY2022Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.0800
CY2022Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
67153
CY2022Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.1622
CY2022Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy
TierOneLeverageCapitalRequiredForCapitalAdequacy
16558
CY2022Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
0.0400
CY2022Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
20697
CY2022Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
0.0500
CY2022Q3 us-gaap Stock Repurchase Program Number Of Shares Authorized To Be Repurchased
StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased
250000
CY2022Q4 us-gaap Treasury Stock Shares
TreasuryStockShares
75172
CY2022 us-gaap Treasury Stock Acquired Average Cost Per Share
TreasuryStockAcquiredAverageCostPerShare
14.44
CY2023Q1 us-gaap Treasury Stock Shares Retired
TreasuryStockSharesRetired
75172
CY2023Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
332029
CY2022Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
695893
CY2023Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4974200
CY2022Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4898350
CY2023Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4974200
CY2022Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4898350
CY2023Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.07
CY2022Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.14
CY2023Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.07
CY2022Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.14
CY2023Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Number Of Shares
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedNumberOfShares
0

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