Call reports 2007
CHEMICAL BANK — 2007
What CHEMICAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 3,809,450,000 | 3,779,009,000 | 3,816,854,000 | 3,746,851,000 |
| Total loans | 2,805,804,000 | 2,802,892,000 | 2,822,686,000 | 2,807,317,000 |
| Allowance for loan losses | 35,016,000 | 36,254,000 | 38,386,000 | 39,422,000 |
| Securities available for sale | 520,040,000 | 513,452,000 | 533,109,000 | 502,769,000 |
| Securities held to maturity | 92,198,000 | 106,792,000 | 98,342,000 | 91,243,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,952,245,000 | 2,936,093,000 | 2,967,442,000 | 2,875,825,000 |
| Interest-bearing deposits | 2,616,655,000 | 2,589,976,000 | 2,637,851,000 | 2,534,760,000 |
| Noninterest-bearing deposits | 335,590,000 | 346,117,000 | 329,591,000 | 341,065,000 |
| Equity capital | 502,262,000 | 493,078,000 | 489,756,000 | 497,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 55,906,000 | 112,976,000 | 170,122,000 | 225,837,000 |
| Interest expense | 24,258,000 | 49,034,000 | 73,819,000 | 96,198,000 |
| Net interest income | 31,648,000 | 63,942,000 | 96,303,000 | 129,639,000 |
| Noninterest income | 10,037,000 | 21,391,000 | 32,447,000 | 43,276,000 |
| Noninterest expense | 25,842,000 | 52,739,000 | 77,552,000 | 102,652,000 |
| Provision for loan losses | 1,625,000 | 4,125,000 | 7,025,000 | 11,500,000 |
| Pretax income | 14,222,000 | 28,473,000 | 44,177,000 | 58,767,000 |
| Income tax | 4,669,000 | 9,280,000 | 14,216,000 | 18,742,000 |
| Net income | 9,553,000 | 19,193,000 | 29,961,000 | 40,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 435,278,000 | 428,105,000 | 422,183,000 | 425,523,000 |
| Total capital | 469,092,000 | 461,929,000 | 456,568,000 | 459,431,000 |
| Risk-weighted assets | 2,703,898,000 | 2,703,531,000 | 2,746,773,000 | 2,707,147,000 |