Chemical Bank

Chemical Bank is headquartered in Midland and is the 3^rd largest bank in the state of Michigan. It is also the 158^th largest bank in the nation. It was established in 1917 and as of December of 2012, it had grown to 1,859 employees at 144 locations. Chemical Bank has a 4-star health rating.

Chemical Bank Routing Number: 072409464

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Data for Q4 2012

Institution Statistics Chemical Bank FDIC Certificate # 1003 BankRate Report View Year Established 1917 Employees 1859 Primary Regulator FED Assets and Liabilities Assets $5.90 billion Loans $4.10 billion Deposits $4.92 billion Equity Capital $579.45 million Loan Loss Allowance $84.49 million Unbacked Noncurrent Loans $80.52 million Real Estate Owned $18.21 million Historic Data - December 2011 Assets $5.33 billion Equity Capital $559.41 million Loan Loss Allowance $88.33 million Unbacked Noncurrent Loans $80.50 million Real Estate Owned $25.04 million Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.97% Return on Equity 9.31% Interest Income $210.67 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Chemical Bank had $98.72 million in non-current loans and owned real-estate with $663.94 million in equity and loan loss allowances on hand to cover it. This gives Chemical Bank a Texas Ratio of 14.87% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Chemical Bank held steady from 16.22% as of December 31, 2011 to 14.87% as of December 31, 2012, resulting in a positive change of 8.32%.This indicates that the balance sheet and financial strength for Chemical Bank has held steady in recent periods. Deposit Growth In the past year, Chemical Bank has increased its total deposits by $554.58 million, resulting in 12.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Chemical Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Chemical Bank has $5.9 billion in assets with $663.94 million in equity, resulting in a capitalization level of 11.24%, which is above average.

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