Call reports 2005
CHEMICAL BANK — 2005
What CHEMICAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,675,497,000 | 1,643,176,000 | 1,684,311,000 | 1,657,260,000 |
| Total loans | 985,700,000 | 1,011,253,000 | 1,021,236,000 | 1,021,876,000 |
| Allowance for loan losses | 12,678,000 | 12,678,000 | 13,305,000 | 12,884,000 |
| Securities available for sale | 448,619,000 | 403,039,000 | 394,565,000 | 382,677,000 |
| Securities held to maturity | 110,184,000 | 94,244,000 | 91,404,000 | 90,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,355,332,000 | 1,319,375,000 | 1,337,137,000 | 1,314,714,000 |
| Interest-bearing deposits | 1,205,465,000 | 1,162,128,000 | 1,170,007,000 | 1,151,184,000 |
| Noninterest-bearing deposits | 149,867,000 | 157,247,000 | 167,130,000 | 163,530,000 |
| Equity capital | 189,024,000 | 194,096,000 | 195,481,000 | 197,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 20,319,000 | 41,236,000 | 62,708,000 | 84,694,000 |
| Interest expense | 4,603,000 | 9,873,000 | 16,031,000 | 22,922,000 |
| Net interest income | 15,716,000 | 31,363,000 | 46,677,000 | 61,772,000 |
| Noninterest income | 5,165,000 | 10,638,000 | 16,353,000 | 21,856,000 |
| Noninterest expense | 10,796,000 | 21,689,000 | 32,214,000 | 42,386,000 |
| Provision for loan losses | 210,000 | 420,000 | 1,295,000 | 1,595,000 |
| Pretax income | 10,074,000 | 20,166,000 | 29,795,000 | 39,552,000 |
| Income tax | 3,424,000 | 6,841,000 | 9,514,000 | 12,790,000 |
| Net income | 6,650,000 | 13,325,000 | 20,281,000 | 26,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,136,000 | 193,555,000 | 197,305,000 | 200,511,000 |
| Total capital | 202,690,000 | 206,175,000 | 210,417,000 | 213,395,000 |
| Risk-weighted assets | 1,004,185,000 | 1,009,510,000 | 1,048,787,000 | 1,043,353,000 |