Call report 2023Q4
SOUTHERN MICHIGAN BANK & TRUST — 2023Q4
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2023Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 1,409,265,000 | USD | evidence → |
| Total loans | 1,036,587,000 | USD | evidence → |
| Allowance for loan losses | 11,697,000 | USD | evidence → |
| Securities available for sale | 167,922,000 | USD | evidence → |
| Securities held to maturity | 61,599,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 1,162,857,000 | USD | evidence → |
| Interest-bearing deposits | 931,865,000 | USD | evidence → |
| Noninterest-bearing deposits | 230,992,000 | USD | evidence → |
| Equity capital | 123,359,000 | 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 | 65,499,000 | USD | evidence → |
| Interest expense | 23,774,000 | USD | evidence → |
| Net interest income | 41,725,000 | USD | evidence → |
| Noninterest income | 7,750,000 | USD | evidence → |
| Noninterest expense | 32,793,000 | USD | evidence → |
| Provision for loan losses | 1,024,000 | USD | evidence → |
| Pretax income | 15,732,000 | USD | evidence → |
| Income tax | 3,053,000 | USD | evidence → |
| Net income | 12,679,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 126,224,000 | USD | evidence → |
| Total capital | 138,347,000 | USD | evidence → |
| Risk-weighted assets | 1,113,953,000 | USD | evidence → |
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