Call report 2018Q4
SOUTHERN MICHIGAN BANK & TRUST — 2018Q4
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2018Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 735,863,000 | USD | evidence → |
| Total loans | 531,974,000 | USD | evidence → |
| Allowance for loan losses | 5,117,000 | USD | evidence → |
| Securities available for sale | 101,439,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 606,685,000 | USD | evidence → |
| Interest-bearing deposits | 542,091,000 | USD | evidence → |
| Noninterest-bearing deposits | 64,594,000 | USD | evidence → |
| Equity capital | 85,289,000 | 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 | 29,746,000 | USD | evidence → |
| Interest expense | 3,713,000 | USD | evidence → |
| Net interest income | 26,033,000 | USD | evidence → |
| Noninterest income | 6,842,000 | USD | evidence → |
| Noninterest expense | 22,143,000 | USD | evidence → |
| Provision for loan losses | 250,000 | USD | evidence → |
| Pretax income | 10,321,000 | USD | evidence → |
| Income tax | 1,740,000 | USD | evidence → |
| Net income | 8,581,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 72,842,000 | USD | evidence → |
| Total capital | 77,959,000 | USD | evidence → |
| Risk-weighted assets | 609,433,000 | USD | evidence → |