Call reports 2006
HELM BANK USA — 2006
What HELM BANK USA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 421,179,000 | 413,404,000 | 432,905,000 | 456,871,000 |
| Total loans | 331,938,000 | 338,741,000 | 334,389,000 | 329,914,000 |
| Allowance for loan losses | 3,675,000 | 4,315,000 | 4,619,000 | 4,914,000 |
| Securities available for sale | 15,150,000 | 15,002,000 | 11,100,000 | 8,108,000 |
| Securities held to maturity | 20,415,000 | 33,912,000 | 36,919,000 | 44,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,412,000 | 346,466,000 | 369,052,000 | 398,144,000 |
| Interest-bearing deposits | 250,709,000 | 247,483,000 | 269,415,000 | 304,334,000 |
| Noninterest-bearing deposits | 104,703,000 | 98,983,000 | 99,637,000 | 93,811,000 |
| Equity capital | 28,782,000 | 30,272,000 | 32,474,000 | 32,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,377,000 | 12,672,000 | 19,560,000 | 26,580,000 |
| Interest expense | 1,700,000 | 3,429,000 | 5,490,000 | 7,710,000 |
| Net interest income | 4,677,000 | 9,243,000 | 14,070,000 | 18,870,000 |
| Noninterest income | 446,000 | 936,000 | 1,437,000 | 1,961,000 |
| Noninterest expense | 2,832,000 | 5,701,000 | 8,586,000 | 11,544,000 |
| Provision for loan losses | 210,000 | 850,000 | 1,150,000 | 1,450,000 |
| Pretax income | 2,081,000 | 3,628,000 | 5,771,000 | 7,837,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 2,078,000 | 3,625,000 | 5,768,000 | 7,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,884,000 | 30,432,000 | 32,575,000 | 32,841,000 |
| Total capital | 31,542,000 | 33,220,000 | 35,406,000 | 35,741,000 |
| Risk-weighted assets | 213,867,000 | 221,526,000 | 224,684,000 | 230,011,000 |