Call reports 2005
HELM BANK USA — 2005
What HELM BANK USA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 350,960,000 | 370,695,000 | 385,898,000 | 409,890,000 |
| Total loans | 320,583,000 | 323,834,000 | 321,986,000 | 329,494,000 |
| Allowance for loan losses | 3,238,000 | 3,352,000 | 3,434,000 | 3,487,000 |
| Securities available for sale | 9,103,000 | 9,137,000 | 10,138,000 | 15,049,000 |
| Securities held to maturity | 2,935,000 | 2,935,000 | 2,935,000 | 2,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,398,000 | 307,082,000 | 320,895,000 | 344,374,000 |
| Interest-bearing deposits | 216,358,000 | 226,417,000 | 230,826,000 | 258,240,000 |
| Noninterest-bearing deposits | 72,040,000 | 80,665,000 | 90,069,000 | 86,134,000 |
| Equity capital | 24,397,000 | 25,479,000 | 26,525,000 | 27,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,099,000 | 10,229,000 | 15,655,000 | 21,406,000 |
| Interest expense | 1,091,000 | 2,307,000 | 3,632,000 | 5,084,000 |
| Net interest income | 4,008,000 | 7,922,000 | 12,023,000 | 16,322,000 |
| Noninterest income | 396,000 | 914,000 | 1,358,000 | 1,790,000 |
| Noninterest expense | 2,478,000 | 4,829,000 | 7,334,000 | 9,964,000 |
| Provision for loan losses | 180,000 | 310,000 | 400,000 | 490,000 |
| Pretax income | 1,746,000 | 3,697,000 | 5,647,000 | 7,658,000 |
| Income tax | 0 | 23,000 | 23,000 | 23,000 |
| Net income | 1,746,000 | 3,674,000 | 5,624,000 | 7,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,518,000 | 25,557,000 | 26,595,000 | 27,707,000 |
| Total capital | 27,059,000 | 28,176,000 | 29,301,000 | 30,486,000 |
| Risk-weighted assets | 202,553,000 | 208,788,000 | 215,737,000 | 221,598,000 |