Call reports 2007
HELM BANK USA — 2007
What HELM BANK USA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 484,385,000 | 498,828,000 | 492,602,000 | 547,135,000 |
| Total loans | 325,699,000 | 315,884,000 | 318,483,000 | 315,342,000 |
| Allowance for loan losses | 5,137,000 | 5,358,000 | 5,568,000 | 5,901,000 |
| Securities available for sale | 10,049,000 | 42,655,000 | 55,204,000 | 82,694,000 |
| Securities held to maturity | 55,771,000 | 53,076,000 | 48,672,000 | 27,562,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 425,565,000 | 454,010,000 | 444,561,000 | 498,256,000 |
| Interest-bearing deposits | 317,242,000 | 339,264,000 | 345,543,000 | 393,500,000 |
| Noninterest-bearing deposits | 108,323,000 | 114,746,000 | 99,018,000 | 104,756,000 |
| Equity capital | 33,961,000 | 35,097,000 | 37,106,000 | 38,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,128,000 | 14,822,000 | 22,557,000 | 30,359,000 |
| Interest expense | 2,114,000 | 4,344,000 | 6,784,000 | 9,298,000 |
| Net interest income | 5,014,000 | 10,478,000 | 15,773,000 | 21,061,000 |
| Noninterest income | 533,000 | 982,000 | 1,672,000 | 2,318,000 |
| Noninterest expense | 3,243,000 | 6,487,000 | 9,754,000 | 13,113,000 |
| Provision for loan losses | 240,000 | 480,000 | 820,000 | 1,480,000 |
| Pretax income | 2,064,000 | 4,493,000 | 6,871,000 | 8,786,000 |
| Income tax | 17,000 | 17,000 | 14,000 | 14,000 |
| Net income | 2,047,000 | 4,476,000 | 6,857,000 | 8,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,988,000 | 35,515,000 | 36,998,000 | 38,014,000 |
| Total capital | 36,907,000 | 38,518,000 | 40,298,000 | 41,552,000 |
| Risk-weighted assets | 231,297,000 | 237,893,000 | 261,757,000 | 280,641,000 |