Call reports 2006
CHEMICAL BANK — 2006
What CHEMICAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 3,724,745,000 | 3,722,647,000 | 3,830,822,000 | 3,781,333,000 |
| Total loans | 2,697,853,000 | 2,764,673,000 | 2,847,410,000 | 2,813,327,000 |
| Allowance for loan losses | 34,154,000 | 33,638,000 | 35,348,000 | 34,098,000 |
| Securities available for sale | 565,817,000 | 548,680,000 | 536,598,000 | 520,015,000 |
| Securities held to maturity | 102,222,000 | 96,518,000 | 100,980,000 | 94,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,866,565,000 | 2,791,700,000 | 2,957,131,000 | 2,898,294,000 |
| Interest-bearing deposits | 2,552,469,000 | 2,472,168,000 | 2,637,259,000 | 2,557,973,000 |
| Noninterest-bearing deposits | 314,096,000 | 319,532,000 | 319,872,000 | 340,321,000 |
| Equity capital | 481,152,000 | 484,792,000 | 493,962,000 | 498,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 52,223,000 | 105,569,000 | 161,106,000 | 217,285,000 |
| Interest expense | 18,875,000 | 39,223,000 | 62,154,000 | 85,775,000 |
| Net interest income | 33,348,000 | 66,346,000 | 98,952,000 | 131,510,000 |
| Noninterest income | 9,743,000 | 20,288,000 | 30,067,000 | 41,296,000 |
| Noninterest expense | 24,509,000 | 49,076,000 | 72,866,000 | 96,097,000 |
| Provision for loan losses | 460,000 | 860,000 | 2,610,000 | 5,200,000 |
| Pretax income | 18,122,000 | 36,698,000 | 53,543,000 | 70,179,000 |
| Income tax | 6,042,000 | 12,181,000 | 17,719,000 | 23,056,000 |
| Net income | 12,080,000 | 24,517,000 | 35,824,000 | 47,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 421,977,000 | 428,095,000 | 422,394,000 | 432,204,000 |
| Total capital | 454,851,000 | 461,486,000 | 456,639,000 | 465,992,000 |
| Risk-weighted assets | 2,628,855,000 | 2,671,196,000 | 2,738,673,000 | 2,702,691,000 |