Call reports 2012
COMMUNITY SHORES BANK — 2012
What COMMUNITY SHORES BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 219,411,000 | 204,332,000 | 207,705,000 | 204,220,000 |
| Total loans | 141,502,000 | 138,444,000 | 131,271,000 | 131,871,000 |
| Allowance for loan losses | 4,434,000 | 4,321,000 | 3,603,000 | 3,383,000 |
| Securities available for sale | 37,547,000 | 36,882,000 | 38,208,000 | 41,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,237,000 | 183,670,000 | 189,342,000 | 184,202,000 |
| Interest-bearing deposits | 158,869,000 | 148,090,000 | 144,168,000 | 143,913,000 |
| Noninterest-bearing deposits | 41,368,000 | 35,580,000 | 45,174,000 | 40,289,000 |
| Equity capital | 8,676,000 | 9,121,000 | 9,270,000 | 9,317,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,338,000 | 4,623,000 | 6,748,000 | 8,769,000 |
| Interest expense | 422,000 | 800,000 | 1,150,000 | 1,459,000 |
| Net interest income | 1,916,000 | 3,823,000 | 5,598,000 | 7,310,000 |
| Noninterest income | 193,000 | 657,000 | 757,000 | 1,217,000 |
| Noninterest expense | 1,974,000 | 3,914,000 | 5,680,000 | 7,725,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 63,000 | 494,000 | 603,000 | 749,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 63,000 | 494,000 | 603,000 | 749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,343,000 | 8,777,000 | 8,887,000 | 9,032,000 |
| Total capital | 10,234,000 | 10,600,000 | 10,612,000 | 10,760,000 |
| Risk-weighted assets | 148,738,000 | 143,329,000 | 136,110,000 | 136,611,000 |
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