Call reports 2003
HELM BANK USA — 2003
What HELM BANK USA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 225,957,000 | 238,179,000 | 253,217,000 | 280,425,000 |
| Total loans | 177,950,000 | 188,017,000 | 195,712,000 | 210,745,000 |
| Allowance for loan losses | 2,054,000 | 2,109,000 | 2,140,000 | 2,164,000 |
| Securities available for sale | 7,173,000 | 3,007,000 | 8,300,000 | 12,272,000 |
| Securities held to maturity | 2,205,000 | 2,205,000 | 2,205,000 | 2,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,926,000 | 189,855,000 | 203,853,000 | 231,321,000 |
| Interest-bearing deposits | 136,061,000 | 140,253,000 | 151,433,000 | 165,632,000 |
| Noninterest-bearing deposits | 45,866,000 | 49,602,000 | 52,420,000 | 65,690,000 |
| Equity capital | 14,308,000 | 15,042,000 | 15,613,000 | 16,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,371,000 | 6,864,000 | 10,305,000 | 13,836,000 |
| Interest expense | 814,000 | 1,599,000 | 2,380,000 | 3,131,000 |
| Net interest income | 2,557,000 | 5,265,000 | 7,925,000 | 10,705,000 |
| Noninterest income | 184,000 | 389,000 | 652,000 | 884,000 |
| Noninterest expense | 1,438,000 | 3,068,000 | 4,707,000 | 6,366,000 |
| Provision for loan losses | 100,000 | 160,000 | 200,000 | 230,000 |
| Pretax income | 1,203,000 | 2,649,000 | 3,893,000 | 5,395,000 |
| Income tax | 865,000 | 0 | 0 | 98,000 |
| Net income | 338,000 | 2,649,000 | 3,893,000 | 5,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,191,000 | 15,035,000 | 15,581,000 | 16,984,000 |
| Total capital | 15,709,000 | 16,661,000 | 17,260,000 | 18,791,000 |
| Risk-weighted assets | 120,915,000 | 129,561,000 | 133,860,000 | 144,170,000 |