Call reports 2009
COMMUNITY SHORES BANK — 2009
What COMMUNITY SHORES BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 267,074,000 | 248,497,000 | 241,638,000 | 231,850,000 |
| Total loans | 198,171,000 | 195,609,000 | 189,325,000 | 184,319,000 |
| Allowance for loan losses | 2,739,000 | 2,559,000 | 2,790,000 | 3,782,000 |
| Securities available for sale | 20,753,000 | 21,710,000 | 22,834,000 | 21,649,000 |
| Securities held to maturity | 6,605,000 | 6,097,000 | 6,094,000 | 5,841,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,905,000 | 212,713,000 | 204,578,000 | 199,648,000 |
| Interest-bearing deposits | 211,009,000 | 189,582,000 | 182,978,000 | 174,729,000 |
| Noninterest-bearing deposits | 20,896,000 | 23,131,000 | 21,600,000 | 24,919,000 |
| Equity capital | 22,966,000 | 21,561,000 | 21,391,000 | 18,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,437,000 | 6,794,000 | 10,139,000 | 13,285,000 |
| Interest expense | 1,770,000 | 3,398,000 | 4,860,000 | 6,155,000 |
| Net interest income | 1,667,000 | 3,396,000 | 5,279,000 | 7,130,000 |
| Noninterest income | 444,000 | 951,000 | 1,365,000 | -210,000 |
| Noninterest expense | 2,182,000 | 4,446,000 | 6,690,000 | 8,762,000 |
| Provision for loan losses | 348,000 | 478,000 | 923,000 | 2,608,000 |
| Pretax income | -290,000 | -304,000 | -696,000 | -4,181,000 |
| Income tax | -125,000 | 974,000 | 974,000 | 107,000 |
| Net income | -165,000 | -1,278,000 | -1,670,000 | -4,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,474,000 | 21,503,000 | 21,111,000 | 18,493,000 |
| Total capital | 24,205,000 | 24,062,000 | 23,713,000 | 21,035,000 |
| Risk-weighted assets | 218,514,000 | 215,067,000 | 207,941,000 | 202,095,000 |
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