Call report 2016Q1
SOUTHERN MICHIGAN BANK & TRUST — 2016Q1
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2016Q1, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 597,413,000 | USD | evidence → |
| Total loans | 422,130,000 | USD | evidence → |
| Allowance for loan losses | 5,182,000 | USD | evidence → |
| Securities available for sale | 90,847,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 497,862,000 | USD | evidence → |
| Interest-bearing deposits | 471,120,000 | USD | evidence → |
| Noninterest-bearing deposits | 26,742,000 | USD | evidence → |
| Equity capital | 72,250,000 | 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 | 5,494,000 | USD | evidence → |
| Interest expense | 354,000 | USD | evidence → |
| Net interest income | 5,140,000 | USD | evidence → |
| Noninterest income | 1,661,000 | USD | evidence → |
| Noninterest expense | 4,537,000 | USD | evidence → |
| Provision for loan losses | 100,000 | USD | evidence → |
| Pretax income | 2,206,000 | USD | evidence → |
| Income tax | 638,000 | USD | evidence → |
| Net income | 1,568,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 57,855,000 | USD | evidence → |
| Total capital | 63,037,000 | USD | evidence → |
| Risk-weighted assets | 487,170,000 | USD | evidence → |