Call reports 2015
COMMUNITY SHORES BANK — 2015
What COMMUNITY SHORES BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 190,193,000 | 188,666,000 | 189,953,000 | 180,055,000 |
| Total loans | 127,658,000 | 127,173,000 | 123,615,000 | 122,742,000 |
| Allowance for loan losses | 1,608,000 | 1,573,000 | 1,716,000 | 1,671,000 |
| Securities available for sale | 30,033,000 | 28,280,000 | 25,042,000 | 25,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,073,000 | 169,536,000 | 171,116,000 | 161,235,000 |
| Interest-bearing deposits | 137,235,000 | 135,246,000 | 135,280,000 | 121,986,000 |
| Noninterest-bearing deposits | 32,838,000 | 34,290,000 | 35,836,000 | 39,249,000 |
| Equity capital | 13,685,000 | 13,728,000 | 13,597,000 | 13,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,771,000 | 3,474,000 | 5,126,000 | 6,866,000 |
| Interest expense | 182,000 | 352,000 | 533,000 | 706,000 |
| Net interest income | 1,589,000 | 3,122,000 | 4,593,000 | 6,160,000 |
| Noninterest income | 352,000 | 674,000 | 1,029,000 | 1,249,000 |
| Noninterest expense | 1,812,000 | 3,511,000 | 5,575,000 | 7,343,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 129,000 | 285,000 | 47,000 | 66,000 |
| Income tax | 44,000 | 97,000 | 16,000 | 22,000 |
| Net income | 85,000 | 188,000 | 31,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,164,000 | 11,320,000 | 11,082,000 | 11,112,000 |
| Total capital | 12,772,000 | 12,893,000 | 12,787,000 | 12,783,000 |
| Risk-weighted assets | 136,816,000 | 137,996,000 | 134,963,000 | 135,157,000 |