Call reports 2006
COMMUNITY SHORES BANK — 2006
What COMMUNITY SHORES BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 225,063,000 | 236,616,000 | 238,334,000 | 246,960,000 |
| Total loans | 191,916,000 | 199,075,000 | 205,041,000 | 207,597,000 |
| Allowance for loan losses | 2,307,000 | 2,437,000 | 2,547,000 | 2,549,000 |
| Securities available for sale | 13,535,000 | 13,044,000 | 13,096,000 | 13,184,000 |
| Securities held to maturity | 5,453,000 | 5,264,000 | 5,261,000 | 5,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,720,000 | 205,395,000 | 205,951,000 | 214,610,000 |
| Interest-bearing deposits | 177,354,000 | 186,932,000 | 188,117,000 | 197,406,000 |
| Noninterest-bearing deposits | 17,367,000 | 18,463,000 | 17,834,000 | 17,204,000 |
| Equity capital | 19,377,000 | 19,810,000 | 20,437,000 | 20,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,810,000 | 7,850,000 | 12,137,000 | 16,490,000 |
| Interest expense | 1,659,000 | 3,499,000 | 5,528,000 | 7,663,000 |
| Net interest income | 2,151,000 | 4,351,000 | 6,609,000 | 8,827,000 |
| Noninterest income | 319,000 | 674,000 | 1,133,000 | 1,512,000 |
| Noninterest expense | 1,638,000 | 3,279,000 | 5,054,000 | 6,942,000 |
| Provision for loan losses | 78,000 | 302,000 | 519,000 | 721,000 |
| Pretax income | 754,000 | 1,444,000 | 2,169,000 | 2,676,000 |
| Income tax | 242,000 | 462,000 | 693,000 | 841,000 |
| Net income | 512,000 | 982,000 | 1,476,000 | 1,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,661,000 | 20,131,000 | 20,624,000 | 20,983,000 |
| Total capital | 21,968,000 | 22,568,000 | 23,171,000 | 23,532,000 |
| Risk-weighted assets | 204,675,000 | 212,849,000 | 220,900,000 | 225,253,000 |
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