Call report 2022Q4
SOUTHERN MICHIGAN BANK & TRUST — 2022Q4
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2022Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 1,272,193,000 | USD | evidence → |
| Total loans | 886,626,000 | USD | evidence → |
| Allowance for loan losses | 9,588,000 | USD | evidence → |
| Securities available for sale | 177,810,000 | USD | evidence → |
| Securities held to maturity | 69,661,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 1,099,747,000 | USD | evidence → |
| Interest-bearing deposits | 822,427,000 | USD | evidence → |
| Noninterest-bearing deposits | 277,320,000 | USD | evidence → |
| Equity capital | 108,391,000 | 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 | 44,101,000 | USD | evidence → |
| Interest expense | 4,480,000 | USD | evidence → |
| Net interest income | 39,621,000 | USD | evidence → |
| Noninterest income | 8,240,000 | USD | evidence → |
| Noninterest expense | 29,396,000 | USD | evidence → |
| Provision for loan losses | 275,000 | USD | evidence → |
| Pretax income | 17,524,000 | USD | evidence → |
| Income tax | 3,054,000 | USD | evidence → |
| Net income | 14,470,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 116,682,000 | USD | evidence → |
| Total capital | 126,270,000 | USD | evidence → |
| Risk-weighted assets | 1,039,545,000 | USD | evidence → |