FDIC Certificate #: 34535 Status: Active Federal Reserve ID: 2687487 Date Established: May 18, 1998 WWW:http://www.icbabancard.org 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
No
ID
Name
Address
Established
Service Type
Map
0
59042
Tcm Bank, National Association
2701 North Rocky Pointe Drive, Suite 700, Tampa, FL 33607
May 18, 1998
Full Service Brick and Mortar
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