Call report 2016Q4
SOUTHERN MICHIGAN BANK & TRUST — 2016Q4
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2016Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 639,528,000 | USD | evidence → |
| Total loans | 449,898,000 | USD | evidence → |
| Allowance for loan losses | 4,841,000 | USD | evidence → |
| Securities available for sale | 109,963,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 536,668,000 | USD | evidence → |
| Interest-bearing deposits | 508,643,000 | USD | evidence → |
| Noninterest-bearing deposits | 28,025,000 | USD | evidence → |
| Equity capital | 72,515,000 | 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 | 22,023,000 | USD | evidence → |
| Interest expense | 1,514,000 | USD | evidence → |
| Net interest income | 20,509,000 | USD | evidence → |
| Noninterest income | 6,734,000 | USD | evidence → |
| Noninterest expense | 18,759,000 | USD | evidence → |
| Provision for loan losses | 100,000 | USD | evidence → |
| Pretax income | 8,486,000 | USD | evidence → |
| Income tax | 2,389,000 | USD | evidence → |
| Net income | 6,097,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 60,006,000 | USD | evidence → |
| Total capital | 64,847,000 | USD | evidence → |
| Risk-weighted assets | 529,234,000 | USD | evidence → |