Call report 2021Q4
SOUTHERN MICHIGAN BANK & TRUST — 2021Q4
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2021Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 1,157,088,000 | USD | evidence → |
| Total loans | 742,554,000 | USD | evidence → |
| Allowance for loan losses | 9,320,000 | USD | evidence → |
| Securities available for sale | 245,846,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 983,120,000 | USD | evidence → |
| Interest-bearing deposits | 711,372,000 | USD | evidence → |
| Noninterest-bearing deposits | 271,748,000 | USD | evidence → |
| Equity capital | 120,635,000 | 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 | 37,103,000 | USD | evidence → |
| Interest expense | 2,671,000 | USD | evidence → |
| Net interest income | 34,432,000 | USD | evidence → |
| Noninterest income | 9,056,000 | USD | evidence → |
| Noninterest expense | 26,479,000 | USD | evidence → |
| Provision for loan losses | 1,500,000 | USD | evidence → |
| Pretax income | 15,514,000 | USD | evidence → |
| Income tax | 2,829,000 | USD | evidence → |
| Net income | 12,685,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 106,138,000 | USD | evidence → |
| Total capital | 115,458,000 | USD | evidence → |
| Risk-weighted assets | 866,155,000 | USD | evidence → |