Call reports 2004
CHEMICAL BANK — 2004
What CHEMICAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,655,323,000 | 1,622,390,000 | 1,639,745,000 | 1,641,697,000 |
| Total loans | 959,682,000 | 990,527,000 | 1,001,436,000 | 992,062,000 |
| Allowance for loan losses | 12,703,000 | 12,665,000 | 12,671,000 | 12,632,000 |
| Securities available for sale | 456,481,000 | 416,202,000 | 401,146,000 | 400,479,000 |
| Securities held to maturity | 107,843,000 | 103,747,000 | 102,558,000 | 120,158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,332,139,000 | 1,290,591,000 | 1,304,531,000 | 1,300,844,000 |
| Interest-bearing deposits | 1,176,942,000 | 1,121,822,000 | 1,143,826,000 | 1,130,979,000 |
| Noninterest-bearing deposits | 155,197,000 | 168,769,000 | 160,705,000 | 169,865,000 |
| Equity capital | 182,931,000 | 181,781,000 | 186,433,000 | 188,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 19,660,000 | 38,858,000 | 58,472,000 | 78,613,000 |
| Interest expense | 3,048,000 | 6,042,000 | 9,205,000 | 12,940,000 |
| Net interest income | 16,612,000 | 32,816,000 | 49,267,000 | 65,673,000 |
| Noninterest income | 4,846,000 | 10,066,000 | 15,170,000 | 20,610,000 |
| Noninterest expense | 10,638,000 | 21,212,000 | 31,634,000 | 42,398,000 |
| Provision for loan losses | 99,000 | 232,000 | 382,000 | 732,000 |
| Pretax income | 10,828,000 | 21,731,000 | 32,714,000 | 43,535,000 |
| Income tax | 3,682,000 | 7,391,000 | 11,132,000 | 14,540,000 |
| Net income | 7,146,000 | 14,340,000 | 21,582,000 | 28,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 174,610,000 | 178,594,000 | 182,567,000 | 186,756,000 |
| Total capital | 186,403,000 | 190,634,000 | 194,775,000 | 199,107,000 |
| Risk-weighted assets | 942,568,000 | 962,586,000 | 976,688,000 | 987,772,000 |