Call report 2015Q1
SOUTHERN MICHIGAN BANK & TRUST — 2015Q1
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2015Q1, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 552,255,000 | USD | evidence → |
| Total loans | 408,004,000 | USD | evidence → |
| Allowance for loan losses | 5,144,000 | USD | evidence → |
| Securities available for sale | 77,942,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 453,949,000 | USD | evidence → |
| Interest-bearing deposits | 428,894,000 | USD | evidence → |
| Noninterest-bearing deposits | 25,055,000 | USD | evidence → |
| Equity capital | 67,311,000 | 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 | 5,125,000 | USD | evidence → |
| Interest expense | 316,000 | USD | evidence → |
| Net interest income | 4,809,000 | USD | evidence → |
| Noninterest income | 1,440,000 | USD | evidence → |
| Noninterest expense | 4,434,000 | USD | evidence → |
| Provision for loan losses | 75,000 | USD | evidence → |
| Pretax income | 1,764,000 | USD | evidence → |
| Income tax | 491,000 | USD | evidence → |
| Net income | 1,273,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 53,493,000 | USD | evidence → |
| Total capital | 58,637,000 | USD | evidence → |
| Risk-weighted assets | 447,590,000 | USD | evidence → |