Call report 2025Q4
SOUTHERN MICHIGAN BANK & TRUST — 2025Q4
The 22 measures SOUTHERN MICHIGAN BANK & TRUST reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 1,690,396,000 | USD | evidence → |
| Total loans | 1,273,622,000 | USD | evidence → |
| Allowance for loan losses | 15,553,000 | USD | evidence → |
| Securities available for sale | 156,220,000 | USD | evidence → |
| Securities held to maturity | 62,471,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 1,423,232,000 | USD | evidence → |
| Interest-bearing deposits | 1,193,012,000 | USD | evidence → |
| Noninterest-bearing deposits | 230,220,000 | USD | evidence → |
| Equity capital | 149,950,000 | 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 | 83,398,000 | USD | evidence → |
| Interest expense | 34,358,000 | USD | evidence → |
| Net interest income | 49,040,000 | USD | evidence → |
| Noninterest income | 9,888,000 | USD | evidence → |
| Noninterest expense | 38,447,000 | USD | evidence → |
| Provision for loan losses | 2,824,000 | USD | evidence → |
| Pretax income | 17,285,000 | USD | evidence → |
| Income tax | 2,784,000 | USD | evidence → |
| Net income | 14,501,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 146,865,000 | USD | evidence → |
| Total capital | 163,118,000 | USD | evidence → |
| Risk-weighted assets | 1,334,292,000 | USD | evidence → |