Call reports 2002
HELM BANK USA — 2002
What HELM BANK USA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 204,753,000 | 198,420,000 | 205,799,000 | 217,629,000 |
| Total loans | 152,156,000 | 161,630,000 | 164,033,000 | 174,799,000 |
| Allowance for loan losses | 1,579,000 | 1,719,000 | 1,870,000 | 1,980,000 |
| Securities available for sale | 17,856,000 | 11,014,000 | 10,136,000 | 12,185,000 |
| Securities held to maturity | 4,271,000 | 2,271,000 | 2,271,000 | 2,206,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,639,000 | 157,736,000 | 161,854,000 | 175,964,000 |
| Interest-bearing deposits | 128,555,000 | 126,792,000 | 126,494,000 | 138,271,000 |
| Noninterest-bearing deposits | 38,085,000 | 30,944,000 | 35,361,000 | 37,693,000 |
| Equity capital | 13,368,000 | 14,275,000 | 14,880,000 | 14,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,211,000 | 6,457,000 | 9,647,000 | 12,996,000 |
| Interest expense | 741,000 | 1,452,000 | 2,263,000 | 3,163,000 |
| Net interest income | 2,470,000 | 5,005,000 | 7,384,000 | 9,833,000 |
| Noninterest income | 168,000 | 355,000 | 549,000 | 730,000 |
| Noninterest expense | 1,243,000 | 2,705,000 | 4,152,000 | 5,380,000 |
| Provision for loan losses | 120,000 | 260,000 | 410,000 | 520,000 |
| Pretax income | 1,530,000 | 2,841,000 | 3,817,000 | 5,109,000 |
| Income tax | 632,000 | 1,137,000 | 1,582,000 | 1,939,000 |
| Net income | 898,000 | 1,704,000 | 2,235,000 | 3,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,461,000 | 14,267,000 | 14,798,000 | 14,353,000 |
| Total capital | 14,752,000 | 15,614,000 | 16,195,000 | 15,811,000 |
| Risk-weighted assets | 102,974,000 | 107,395,000 | 111,300,000 | 116,122,000 |