Call reports 2016
COMMUNITY SHORES BANK — 2016
What COMMUNITY SHORES BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 191,160,000 | 178,267,000 | 180,916,000 | 190,690,000 |
| Total loans | 123,238,000 | 127,186,000 | 131,496,000 | 140,953,000 |
| Allowance for loan losses | 1,705,000 | 1,639,000 | 1,624,000 | 1,612,000 |
| Securities available for sale | 23,015,000 | 21,354,000 | 19,108,000 | 15,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,626,000 | 156,751,000 | 158,371,000 | 168,380,000 |
| Interest-bearing deposits | 133,864,000 | 120,111,000 | 114,835,000 | 121,472,000 |
| Noninterest-bearing deposits | 35,762,000 | 36,640,000 | 43,536,000 | 46,908,000 |
| Equity capital | 16,990,000 | 17,139,000 | 17,312,000 | 17,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,623,000 | 3,294,000 | 4,941,000 | 6,703,000 |
| Interest expense | 166,000 | 327,000 | 486,000 | 638,000 |
| Net interest income | 1,457,000 | 2,967,000 | 4,455,000 | 6,065,000 |
| Noninterest income | 328,000 | 655,000 | 927,000 | 1,170,000 |
| Noninterest expense | 1,741,000 | 3,404,000 | 5,061,000 | 6,769,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 44,000 | 218,000 | 321,000 | 466,000 |
| Income tax | 15,000 | 71,000 | 106,000 | 155,000 |
| Net income | 29,000 | 147,000 | 215,000 | 311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,368,000 | 14,547,000 | 14,773,000 | 14,917,000 |
| Total capital | 16,069,000 | 16,186,000 | 16,398,000 | 16,529,000 |
| Risk-weighted assets | 135,048,000 | 139,932,000 | 140,455,000 | 148,663,000 |