Call report 2016Q3
SOUTHERN MICHIGAN BANK & TRUST — 2016Q3
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2016Q3, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 619,467,000 | USD | evidence → |
| Total loans | 423,676,000 | USD | evidence → |
| Allowance for loan losses | 4,889,000 | USD | evidence → |
| Securities available for sale | 109,930,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 515,510,000 | USD | evidence → |
| Interest-bearing deposits | 487,285,000 | USD | evidence → |
| Noninterest-bearing deposits | 28,225,000 | USD | evidence → |
| Equity capital | 73,676,000 | 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 | 16,358,000 | USD | evidence → |
| Interest expense | 1,100,000 | USD | evidence → |
| Net interest income | 15,258,000 | USD | evidence → |
| Noninterest income | 5,002,000 | USD | evidence → |
| Noninterest expense | 13,888,000 | USD | evidence → |
| Provision for loan losses | 100,000 | USD | evidence → |
| Pretax income | 6,372,000 | USD | evidence → |
| Income tax | 1,803,000 | USD | evidence → |
| Net income | 4,569,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 59,094,000 | USD | evidence → |
| Total capital | 63,983,000 | USD | evidence → |
| Risk-weighted assets | 494,383,000 | USD | evidence → |