Call reports 2015
CHEMICAL BANK — 2015
What CHEMICAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 7,541,870,000 | 7,708,944,000 | 7,994,497,000 | 9,166,710,000 |
| Total loans | 5,712,549,000 | 6,036,457,000 | 6,239,637,000 | 7,281,474,000 |
| Allowance for loan losses | 75,256,000 | 74,941,000 | 75,626,000 | 73,328,000 |
| Securities available for sale | 680,644,000 | 624,084,000 | 578,273,000 | 553,731,000 |
| Securities held to maturity | 381,450,000 | 466,715,000 | 498,172,000 | 509,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,365,127,000 | 6,364,376,000 | 6,710,613,000 | 7,482,796,000 |
| Interest-bearing deposits | 4,750,800,000 | 4,652,069,000 | 4,971,122,000 | 5,547,373,000 |
| Noninterest-bearing deposits | 1,614,327,000 | 1,712,307,000 | 1,739,491,000 | 1,935,423,000 |
| Equity capital | 758,915,000 | 794,113,000 | 797,972,000 | 1,021,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 62,630,000 | 128,510,000 | 195,943,000 | 291,780,000 |
| Interest expense | 3,459,000 | 6,809,000 | 10,286,000 | 17,037,000 |
| Net interest income | 59,171,000 | 121,701,000 | 185,657,000 | 274,743,000 |
| Noninterest income | 19,671,000 | 41,502,000 | 62,492,000 | 84,059,000 |
| Noninterest expense | 50,123,000 | 103,509,000 | 155,964,000 | 220,555,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 4,500,000 | 6,500,000 |
| Pretax income | 27,798,000 | 57,301,000 | 88,297,000 | 132,377,000 |
| Income tax | 8,717,000 | 18,220,000 | 27,120,000 | 39,622,000 |
| Net income | 19,081,000 | 39,081,000 | 61,177,000 | 92,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 606,813,000 | 633,476,000 | 635,810,000 | 756,966,000 |
| Total capital | 676,488,000 | 707,117,000 | 711,375,000 | 830,294,000 |
| Risk-weighted assets | 5,568,385,000 | 5,885,890,000 | 6,041,053,000 | 7,125,915,000 |