Call report 2009Q4
SOUTHERN MICHIGAN BANK & TRUST — 2009Q4
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2009Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 461,334,000 | USD | evidence → |
| Total loans | 333,684,000 | USD | evidence → |
| Allowance for loan losses | 6,075,000 | USD | evidence → |
| Securities available for sale | 56,948,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 381,632,000 | USD | evidence → |
| Interest-bearing deposits | 368,465,000 | USD | evidence → |
| Noninterest-bearing deposits | 13,167,000 | USD | evidence → |
| Equity capital | 53,301,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 21,930,000 | USD | evidence → |
| Interest expense | 4,927,000 | USD | evidence → |
| Net interest income | 17,003,000 | USD | evidence → |
| Noninterest income | 5,892,000 | USD | evidence → |
| Noninterest expense | 18,386,000 | USD | evidence → |
| Provision for loan losses | 2,725,000 | USD | evidence → |
| Pretax income | 2,466,000 | USD | evidence → |
| Income tax | 232,000 | USD | evidence → |
| Net income | 2,234,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 37,982,000 | USD | evidence → |
| Total capital | 42,259,000 | USD | evidence → |
| Risk-weighted assets | 340,437,000 | USD | evidence → |
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