Call reports 2013
COMMUNITY SHORES BANK — 2013
What COMMUNITY SHORES BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 204,606,000 | 189,627,000 | 182,948,000 | 190,763,000 |
| Total loans | 131,509,000 | 129,545,000 | 128,547,000 | 131,794,000 |
| Allowance for loan losses | 3,302,000 | 3,287,000 | 2,870,000 | 2,810,000 |
| Securities available for sale | 38,449,000 | 35,837,000 | 33,501,000 | 31,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,662,000 | 169,845,000 | 164,247,000 | 172,574,000 |
| Interest-bearing deposits | 152,676,000 | 139,337,000 | 132,524,000 | 139,236,000 |
| Noninterest-bearing deposits | 31,986,000 | 30,508,000 | 31,723,000 | 33,338,000 |
| Equity capital | 9,466,000 | 9,174,000 | 9,411,000 | 9,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,962,000 | 3,903,000 | 5,739,000 | 7,576,000 |
| Interest expense | 294,000 | 562,000 | 803,000 | 1,034,000 |
| Net interest income | 1,668,000 | 3,341,000 | 4,936,000 | 6,542,000 |
| Noninterest income | 346,000 | 653,000 | 1,092,000 | 1,372,000 |
| Noninterest expense | 1,815,000 | 3,618,000 | 5,466,000 | 7,249,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 200,000 | 377,000 | 563,000 | 666,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 200,000 | 377,000 | 563,000 | 666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,257,000 | 9,434,000 | 9,621,000 | 9,723,000 |
| Total capital | 10,988,000 | 11,138,000 | 11,305,000 | 11,420,000 |
| Risk-weighted assets | 136,904,000 | 134,745,000 | 133,607,000 | 134,616,000 |
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