Call report 2025Q2
SOUTHERN MICHIGAN BANK & TRUST — 2025Q2
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2025Q2, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 1,570,166,000 | USD | evidence → |
| Total loans | 1,193,565,000 | USD | evidence → |
| Allowance for loan losses | 13,224,000 | USD | evidence → |
| Securities available for sale | 160,961,000 | USD | evidence → |
| Securities held to maturity | 68,398,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 1,310,703,000 | USD | evidence → |
| Interest-bearing deposits | 1,070,746,000 | USD | evidence → |
| Noninterest-bearing deposits | 239,957,000 | USD | evidence → |
| Equity capital | 140,887,000 | 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 | 40,439,000 | USD | evidence → |
| Interest expense | 16,660,000 | USD | evidence → |
| Net interest income | 23,779,000 | USD | evidence → |
| Noninterest income | 4,698,000 | USD | evidence → |
| Noninterest expense | 18,841,000 | USD | evidence → |
| Provision for loan losses | 457,000 | USD | evidence → |
| Pretax income | 8,972,000 | USD | evidence → |
| Income tax | 1,540,000 | USD | evidence → |
| Net income | 7,432,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 141,259,000 | USD | evidence → |
| Total capital | 155,018,000 | USD | evidence → |
| Risk-weighted assets | 1,267,792,000 | USD | evidence → |