Call report 2015Q4
SOUTHERN MICHIGAN BANK & TRUST — 2015Q4
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2015Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 581,671,000 | USD | evidence → |
| Total loans | 422,317,000 | USD | evidence → |
| Allowance for loan losses | 5,273,000 | USD | evidence → |
| Securities available for sale | 97,150,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 478,158,000 | USD | evidence → |
| Interest-bearing deposits | 449,831,000 | USD | evidence → |
| Noninterest-bearing deposits | 28,327,000 | USD | evidence → |
| Equity capital | 70,877,000 | 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 | 21,151,000 | USD | evidence → |
| Interest expense | 1,372,000 | USD | evidence → |
| Net interest income | 19,779,000 | USD | evidence → |
| Noninterest income | 7,030,000 | USD | evidence → |
| Noninterest expense | 18,432,000 | USD | evidence → |
| Provision for loan losses | 250,000 | USD | evidence → |
| Pretax income | 8,153,000 | USD | evidence → |
| Income tax | 2,086,000 | USD | evidence → |
| Net income | 6,067,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 56,912,000 | USD | evidence → |
| Total capital | 62,185,000 | USD | evidence → |
| Risk-weighted assets | 481,856,000 | USD | evidence → |