Call report 2019Q4
SOUTHERN MICHIGAN BANK & TRUST — 2019Q4
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2019Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 806,619,000 | USD | evidence → |
| Total loans | 564,035,000 | USD | evidence → |
| Allowance for loan losses | 5,184,000 | USD | evidence → |
| Securities available for sale | 123,436,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 658,013,000 | USD | evidence → |
| Interest-bearing deposits | 618,697,000 | USD | evidence → |
| Noninterest-bearing deposits | 39,316,000 | USD | evidence → |
| Equity capital | 91,155,000 | 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 | 32,490,000 | USD | evidence → |
| Interest expense | 5,663,000 | USD | evidence → |
| Net interest income | 26,827,000 | USD | evidence → |
| Noninterest income | 7,357,000 | USD | evidence → |
| Noninterest expense | 23,362,000 | USD | evidence → |
| Provision for loan losses | 225,000 | USD | evidence → |
| Pretax income | 10,963,000 | USD | evidence → |
| Income tax | 1,988,000 | USD | evidence → |
| Net income | 8,975,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 77,494,000 | USD | evidence → |
| Total capital | 82,678,000 | USD | evidence → |
| Risk-weighted assets | 629,839,000 | USD | evidence → |