Call reports 2001
HELM BANK USA — 2001
What HELM BANK USA reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 165,550,000 | 168,898,000 | 169,690,000 | 194,450,000 |
| Total loans | 118,010,000 | 121,318,000 | 127,286,000 | 142,640,000 |
| Allowance for loan losses | 1,259,000 | 1,344,000 | 1,421,000 | 1,459,000 |
| Securities available for sale | 7,858,000 | 10,057,000 | 12,802,000 | 17,488,000 |
| Securities held to maturity | 10,061,000 | 11,512,000 | 4,512,000 | 4,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,857,000 | 145,803,000 | 138,637,000 | 157,883,000 |
| Interest-bearing deposits | 119,621,000 | 122,228,000 | 111,566,000 | 123,149,000 |
| Noninterest-bearing deposits | 23,236,000 | 23,575,000 | 27,071,000 | 34,734,000 |
| Equity capital | 10,746,000 | 11,463,000 | 12,119,000 | 12,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,051,000 | 6,145,000 | 9,224,000 | 12,341,000 |
| Interest expense | 1,329,000 | 2,564,000 | 3,626,000 | 4,496,000 |
| Net interest income | 1,722,000 | 3,581,000 | 5,598,000 | 7,845,000 |
| Noninterest income | 151,000 | 316,000 | 475,000 | 708,000 |
| Noninterest expense | 1,057,000 | 2,100,000 | 3,200,000 | 4,401,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 726,000 | 1,617,000 | 2,603,000 | 3,792,000 |
| Income tax | 268,000 | 624,000 | 1,084,000 | 1,495,000 |
| Net income | 458,000 | 993,000 | 1,519,000 | 2,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,724,000 | 11,258,000 | 11,784,000 | 12,563,000 |
| Total capital | 11,805,000 | 12,345,000 | 12,907,000 | 13,800,000 |
| Risk-weighted assets | 86,302,000 | 86,699,000 | 89,561,000 | 98,728,000 |