Call reports 2004
HELM BANK USA — 2004
What HELM BANK USA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 280,076,000 | 311,800,000 | 316,654,000 | 355,515,000 |
| Total loans | 230,623,000 | 258,070,000 | 285,027,000 | 307,088,000 |
| Allowance for loan losses | 2,284,000 | 2,576,000 | 2,845,000 | 3,064,000 |
| Securities available for sale | 10,294,000 | 11,226,000 | 13,233,000 | 10,198,000 |
| Securities held to maturity | 2,170,000 | 2,169,000 | 2,017,000 | 1,942,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,406,000 | 254,426,000 | 254,451,000 | 294,588,000 |
| Interest-bearing deposits | 161,827,000 | 159,375,000 | 178,095,000 | 224,799,000 |
| Noninterest-bearing deposits | 64,578,000 | 95,052,000 | 76,356,000 | 69,789,000 |
| Equity capital | 20,511,000 | 20,670,000 | 21,821,000 | 23,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,699,000 | 7,752,000 | 12,180,000 | 17,089,000 |
| Interest expense | 710,000 | 1,453,000 | 2,287,000 | 3,253,000 |
| Net interest income | 2,989,000 | 6,299,000 | 9,893,000 | 13,836,000 |
| Noninterest income | 5,017,000 | 5,280,000 | 5,568,000 | 5,869,000 |
| Noninterest expense | 1,992,000 | 3,948,000 | 6,020,000 | 8,180,000 |
| Provision for loan losses | 125,000 | 420,000 | 698,000 | 938,000 |
| Pretax income | 5,889,000 | 7,211,000 | 8,743,000 | 10,587,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,889,000 | 7,211,000 | 8,743,000 | 10,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,475,000 | 20,695,000 | 21,831,000 | 23,671,000 |
| Total capital | 22,301,000 | 22,726,000 | 24,052,000 | 26,095,000 |
| Risk-weighted assets | 145,661,000 | 161,912,000 | 177,081,000 | 193,280,000 |