Southern Michigan Bancorp Inc
Southern Michigan Bancorp, Inc. operates as the bank holding company for Southern Michigan Bank & Trust that provides a range of commercial banking services to individuals, businesses, institutions, and governmental agencies primarily in the southwest and south-central Michigan communities. Its deposit products include interest and non-interest checking, savings, and various types of money market… Read more
Southern Michigan Bancorp Inc - Asset Resilience Ratio
Southern Michigan Bancorp Inc (SOMC) has an Asset Resilience Ratio of 13.73% as of December 2018. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2001–2018)
This chart shows how Southern Michigan Bancorp Inc's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Southern Michigan Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $101.44 Million | 13.73% |
| Total Liquid Assets | $101.44 Million | 13.73% |
Asset Resilience Insights
- Moderate Liquidity: Southern Michigan Bancorp Inc has 13.73% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Southern Michigan Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Southern Michigan Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Southern Michigan Bancorp Inc (2001–2018)
The table below shows the annual Asset Resilience Ratio data for Southern Michigan Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2018-12-31 | 13.73% | $101.44 Million | $738.83 Million | -1.04pp |
| 2017-12-31 | 14.77% | $105.18 Million | $712.35 Million | -2.37pp |
| 2016-12-31 | 17.14% | $109.96 Million | $641.53 Million | +0.47pp |
| 2015-12-31 | 16.67% | $97.15 Million | $582.77 Million | +3.26pp |
| 2014-12-31 | 13.41% | $72.88 Million | $543.35 Million | -0.68pp |
| 2013-12-31 | 14.09% | $76.00 Million | $539.46 Million | +1.89pp |
| 2012-12-31 | 12.20% | $64.53 Million | $528.86 Million | -5.54pp |
| 2011-12-31 | 17.74% | $90.34 Million | $509.22 Million | +5.75pp |
| 2010-12-31 | 11.99% | $59.23 Million | $493.88 Million | -0.32pp |
| 2009-12-31 | 12.32% | $56.95 Million | $462.41 Million | -1.52pp |
| 2008-12-31 | 13.84% | $65.72 Million | $475.00 Million | -2.31pp |
| 2007-12-31 | 16.14% | $77.52 Million | $480.18 Million | +12.98pp |
| 2006-12-31 | 3.16% | $10.43 Million | $329.89 Million | -1.51pp |
| 2005-12-31 | 4.67% | $14.85 Million | $317.95 Million | +2.57pp |
| 2004-12-31 | 2.10% | $6.60 Million | $313.46 Million | -14.75pp |
| 2003-12-31 | 16.85% | $54.19 Million | $321.59 Million | +11.97pp |
| 2002-12-31 | 4.88% | $15.64 Million | $320.68 Million | -1.42pp |
| 2001-12-31 | 6.30% | $19.98 Million | $317.10 Million | -- |