Call report 2014Q4
SOUTHERN MICHIGAN BANK & TRUST — 2014Q4
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2014Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 542,233,000 | USD | evidence → |
| Total loans | 410,596,000 | USD | evidence → |
| Allowance for loan losses | 5,177,000 | USD | evidence → |
| Securities available for sale | 72,880,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 445,205,000 | USD | evidence → |
| Interest-bearing deposits | 419,987,000 | USD | evidence → |
| Noninterest-bearing deposits | 25,218,000 | USD | evidence → |
| Equity capital | 66,193,000 | 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 | 20,311,000 | USD | evidence → |
| Interest expense | 1,345,000 | USD | evidence → |
| Net interest income | 18,966,000 | USD | evidence → |
| Noninterest income | 6,278,000 | USD | evidence → |
| Noninterest expense | 17,919,000 | USD | evidence → |
| Provision for loan losses | 400,000 | USD | evidence → |
| Pretax income | 7,015,000 | USD | evidence → |
| Income tax | 1,951,000 | USD | evidence → |
| Net income | 5,064,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 52,342,000 | USD | evidence → |
| Total capital | 57,519,000 | USD | evidence → |
| Risk-weighted assets | 435,623,000 | USD | evidence → |