Call reports 2009
CHEMICAL BANK — 2009
What CHEMICAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 3,967,940,000 | 3,991,177,000 | 4,260,787,000 | 4,243,065,000 |
| Total loans | 2,979,925,000 | 3,002,908,000 | 3,010,507,000 | 3,001,522,000 |
| Allowance for loan losses | 62,562,000 | 69,956,000 | 77,491,000 | 80,841,000 |
| Securities available for sale | 501,594,000 | 492,096,000 | 512,413,000 | 592,521,000 |
| Securities held to maturity | 108,600,000 | 144,556,000 | 132,438,000 | 131,297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,104,790,000 | 3,130,683,000 | 3,403,757,000 | 3,418,386,000 |
| Interest-bearing deposits | 2,957,402,000 | 2,972,618,000 | 3,243,378,000 | 3,225,644,000 |
| Noninterest-bearing deposits | 147,388,000 | 158,065,000 | 160,379,000 | 192,742,000 |
| Equity capital | 451,248,000 | 454,420,000 | 457,577,000 | 460,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 48,322,000 | 96,605,000 | 144,671,000 | 192,731,000 |
| Interest expense | 11,732,000 | 23,037,000 | 34,440,000 | 45,287,000 |
| Net interest income | 36,590,000 | 73,568,000 | 110,231,000 | 147,444,000 |
| Noninterest income | 9,733,000 | 20,267,000 | 30,827,000 | 40,049,000 |
| Noninterest expense | 28,466,000 | 57,594,000 | 87,085,000 | 113,732,000 |
| Provision for loan losses | 14,000,000 | 29,200,000 | 43,400,000 | 59,000,000 |
| Pretax income | 3,857,000 | 7,136,000 | 10,668,000 | 14,856,000 |
| Income tax | 739,000 | 1,371,000 | 2,056,000 | 2,965,000 |
| Net income | 3,118,000 | 5,765,000 | 8,612,000 | 11,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 395,081,000 | 398,184,000 | 401,180,000 | 404,974,000 |
| Total capital | 431,287,000 | 434,775,000 | 438,198,000 | 442,198,000 |
| Risk-weighted assets | 2,870,161,000 | 2,893,734,000 | 2,920,778,000 | 2,934,121,000 |