Call reports 2013
CHEMICAL BANK — 2013
What CHEMICAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 5,977,933,000 | 5,797,990,000 | 6,249,955,000 | 6,176,405,000 |
| Total loans | 4,200,111,000 | 4,345,051,000 | 4,530,578,000 | 4,652,840,000 |
| Allowance for loan losses | 82,834,000 | 82,184,000 | 81,532,000 | 79,072,000 |
| Securities available for sale | 698,867,000 | 734,052,000 | 705,146,000 | 684,570,000 |
| Securities held to maturity | 257,749,000 | 274,715,000 | 282,579,000 | 273,905,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,007,604,000 | 4,814,433,000 | 5,191,554,000 | 5,187,743,000 |
| Interest-bearing deposits | 3,920,618,000 | 3,706,980,000 | 4,028,955,000 | 3,959,975,000 |
| Noninterest-bearing deposits | 1,086,986,000 | 1,107,453,000 | 1,162,599,000 | 1,227,768,000 |
| Equity capital | 588,076,000 | 592,602,000 | 602,155,000 | 625,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 52,317,000 | 105,015,000 | 158,593,000 | 213,916,000 |
| Interest expense | 4,727,000 | 9,112,000 | 13,396,000 | 17,414,000 |
| Net interest income | 47,590,000 | 95,903,000 | 145,197,000 | 196,502,000 |
| Noninterest income | 15,900,000 | 32,976,000 | 49,692,000 | 64,870,000 |
| Noninterest expense | 41,369,000 | 82,549,000 | 123,048,000 | 165,807,000 |
| Provision for loan losses | 3,000,000 | 6,000,000 | 9,000,000 | 11,000,000 |
| Pretax income | 19,968,000 | 41,189,000 | 63,700,000 | 85,453,000 |
| Income tax | 6,040,000 | 12,519,000 | 19,302,000 | 25,856,000 |
| Net income | 13,928,000 | 28,670,000 | 44,398,000 | 59,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 492,398,000 | 501,839,000 | 511,969,000 | 521,283,000 |
| Total capital | 545,361,000 | 556,536,000 | 568,626,000 | 579,494,000 |
| Risk-weighted assets | 4,207,202,000 | 4,348,310,000 | 4,507,714,000 | 4,636,007,000 |