Call report 2025Q3
SOUTHERN MICHIGAN BANK & TRUST — 2025Q3
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2025Q3, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 1,664,450,000 | USD | evidence → |
| Total loans | 1,229,344,000 | USD | evidence → |
| Allowance for loan losses | 14,410,000 | USD | evidence → |
| Securities available for sale | 156,020,000 | USD | evidence → |
| Securities held to maturity | 63,702,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 1,401,424,000 | USD | evidence → |
| Interest-bearing deposits | 1,169,263,000 | USD | evidence → |
| Noninterest-bearing deposits | 232,161,000 | USD | evidence → |
| Equity capital | 145,798,000 | 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 | 61,709,000 | USD | evidence → |
| Interest expense | 25,451,000 | USD | evidence → |
| Net interest income | 36,258,000 | USD | evidence → |
| Noninterest income | 7,295,000 | USD | evidence → |
| Noninterest expense | 28,466,000 | USD | evidence → |
| Provision for loan losses | 1,657,000 | USD | evidence → |
| Pretax income | 13,223,000 | USD | evidence → |
| Income tax | 2,198,000 | USD | evidence → |
| Net income | 11,025,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 144,121,000 | USD | evidence → |
| Total capital | 159,066,000 | USD | evidence → |
| Risk-weighted assets | 1,280,324,000 | USD | evidence → |