Call reports 2014
COMMUNITY SHORES BANK — 2014
What COMMUNITY SHORES BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 197,434,000 | 197,913,000 | 189,511,000 | 184,122,000 |
| Total loans | 131,997,000 | 132,814,000 | 129,084,000 | 129,935,000 |
| Allowance for loan losses | 3,042,000 | 2,742,000 | 1,977,000 | 1,978,000 |
| Securities available for sale | 30,561,000 | 31,249,000 | 32,879,000 | 31,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,892,000 | 177,486,000 | 168,512,000 | 161,668,000 |
| Interest-bearing deposits | 148,191,000 | 144,171,000 | 136,164,000 | 127,419,000 |
| Noninterest-bearing deposits | 30,701,000 | 33,315,000 | 32,348,000 | 34,249,000 |
| Equity capital | 9,583,000 | 9,905,000 | 9,901,000 | 13,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,843,000 | 3,686,000 | 5,442,000 | 7,232,000 |
| Interest expense | 226,000 | 451,000 | 665,000 | 857,000 |
| Net interest income | 1,617,000 | 3,235,000 | 4,777,000 | 6,375,000 |
| Noninterest income | 334,000 | 677,000 | 1,061,000 | 1,397,000 |
| Noninterest expense | 1,776,000 | 3,562,000 | 5,352,000 | 7,182,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 182,000 | 357,000 | 493,000 | 597,000 |
| Income tax | 0 | 0 | 0 | -3,165,000 |
| Net income | 182,000 | 357,000 | 493,000 | 3,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,905,000 | 10,080,000 | 10,216,000 | 10,129,000 |
| Total capital | 11,624,000 | 11,828,000 | 11,888,000 | 11,803,000 |
| Risk-weighted assets | 136,168,000 | 138,831,000 | 133,454,000 | 133,610,000 |
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