Vitals
  • Total Assets
    190.7M 5.9 %
  • Total Deposits
    168.4M 4.4 %
  • Total Net Loans
    139.3M 15.1 %
  • Net Income
    311000.0000 606.8 %
  • Book Value
    17.3M 28.1 %
  • Book Value x2
    34.6M 28.1 %
  • Book Value x3
    51.9M 28.1 %
ROAA

.17

ROAE

1.891

Efficiency Ratio

93.552

Net Interest Margin

3.644

Balance Sheet Highlights
Financial Highlights Community Shores Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 190,690 330,697
Total Net Loans 139,341 227,599
Total Deposits 168,380 278,247
Total Equity 17,297 33,935
Profitability
Net Income 311 3,589
Return on Average Assets .17 .954
Return on Average Equity 1.891 8.772
Net Interest Margin 3.644 3.821
Efficiency Ratio 93.552 71.925
Noninterest Income/Revenue 14.859 24.061
Balance Sheet Ratios
Loan-to-Deposit 82.754 76.845
Securities/Assets .083 .16
Total Equity/Total Assets .091 .103
Tangible Equity/Tangible Assets .091 .098
Capital Adequacy
Tier 1 Common Capital 14,917 32,553
Tier 1 Capital 14,917 32,664
Tier 2 Capital 1,612 2,479
Total Capital 16,529 35,133
Total Risk Weighted Assets 148,663 242,208
Leverage Ratio 8.3 10.341
Common Equity Tier 1 Capital Ratio 10.03 15.339
Tier 1 Capital Ratio 10.03 15.393
Total Capital Ratio 11.12 16.423

Timeline for Community Shores Bank

Community Shores Mortgage Company

Community Shores Mortgage Company became a new subsidiary organization for Community Shores Bank.

View Profile Mar 01 2002

Community Shores Bank Corporation

Community Shores Bank Corporation became a new parent organization for Community Shores Bank.

View Profile Jan 18 1999

Community Shores Bank

Community Shores Bank was established 25 years ago and is currently headquartered in Muskegon, MI.

Jan 15 1999
Relationships Role Relationship Start Relationship End
Community Shores Bank Corporation Parent 1/18/1999
Community Shores Mortgage Company Subsidary 6/30/2007
Community Shores Mortgage Company Subsidary 3/1/2002 6/29/2007
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