Call reports 2003
CHEMICAL BANK — 2003
What CHEMICAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,599,241,000 | 1,602,110,000 | 1,605,984,000 | 1,562,562,000 |
| Total loans | 846,822,000 | 923,145,000 | 945,835,000 | 936,881,000 |
| Allowance for loan losses | 12,930,000 | 12,810,000 | 12,582,000 | 12,565,000 |
| Securities available for sale | 524,471,000 | 463,693,000 | 439,615,000 | 403,727,000 |
| Securities held to maturity | 149,202,000 | 138,315,000 | 125,629,000 | 109,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,330,015,000 | 1,332,973,000 | 1,339,459,000 | 1,301,618,000 |
| Interest-bearing deposits | 1,189,324,000 | 1,175,734,000 | 1,191,664,000 | 1,146,592,000 |
| Noninterest-bearing deposits | 140,691,000 | 157,239,000 | 147,795,000 | 155,026,000 |
| Equity capital | 181,555,000 | 184,944,000 | 187,342,000 | 179,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 20,866,000 | 41,193,000 | 60,914,000 | 80,182,000 |
| Interest expense | 4,321,000 | 8,108,000 | 11,333,000 | 14,299,000 |
| Net interest income | 16,545,000 | 33,085,000 | 49,581,000 | 65,883,000 |
| Noninterest income | 4,745,000 | 9,831,000 | 15,055,000 | 20,327,000 |
| Noninterest expense | 10,279,000 | 20,788,000 | 30,832,000 | 41,177,000 |
| Provision for loan losses | -90,000 | 9,000 | 108,000 | 351,000 |
| Pretax income | 11,171,000 | 22,420,000 | 34,188,000 | 45,320,000 |
| Income tax | 3,769,000 | 7,591,000 | 11,561,000 | 15,348,000 |
| Net income | 7,402,000 | 14,829,000 | 22,627,000 | 29,972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 167,618,000 | 171,885,000 | 176,512,000 | 170,665,000 |
| Total capital | 178,509,000 | 183,313,000 | 187,940,000 | 181,948,000 |
| Risk-weighted assets | 873,753,000 | 912,825,000 | 929,456,000 | 911,391,000 |