Call report 2015Q3
SOUTHERN MICHIGAN BANK & TRUST — 2015Q3
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2015Q3, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 582,518,000 | USD | evidence → |
| Total loans | 411,114,000 | USD | evidence → |
| Allowance for loan losses | 5,206,000 | USD | evidence → |
| Securities available for sale | 92,009,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 477,548,000 | USD | evidence → |
| Interest-bearing deposits | 454,063,000 | USD | evidence → |
| Noninterest-bearing deposits | 23,485,000 | USD | evidence → |
| Equity capital | 70,086,000 | 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 | 15,724,000 | USD | evidence → |
| Interest expense | 1,014,000 | USD | evidence → |
| Net interest income | 14,710,000 | USD | evidence → |
| Noninterest income | 5,498,000 | USD | evidence → |
| Noninterest expense | 13,560,000 | USD | evidence → |
| Provision for loan losses | 200,000 | USD | evidence → |
| Pretax income | 6,472,000 | USD | evidence → |
| Income tax | 1,664,000 | USD | evidence → |
| Net income | 4,808,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 56,119,000 | USD | evidence → |
| Total capital | 61,325,000 | USD | evidence → |
| Risk-weighted assets | 476,021,000 | USD | evidence → |