Call reports 2008
HELM BANK USA — 2008
What HELM BANK USA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 586,280,000 | 644,565,000 | 606,626,000 | 639,659,000 |
| Total loans | 307,847,000 | 291,148,000 | 287,254,000 | 280,031,000 |
| Allowance for loan losses | 6,594,000 | 6,546,000 | 8,757,000 | 11,116,000 |
| Securities available for sale | 112,837,000 | 101,105,000 | 102,496,000 | 90,245,000 |
| Securities held to maturity | 30,564,000 | 70,271,000 | 102,212,000 | 150,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 537,265,000 | 597,575,000 | 560,752,000 | 591,390,000 |
| Interest-bearing deposits | 395,263,000 | 442,526,000 | 422,129,000 | 383,485,000 |
| Noninterest-bearing deposits | 142,002,000 | 155,050,000 | 138,623,000 | 207,905,000 |
| Equity capital | 41,878,000 | 40,375,000 | 39,839,000 | 43,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,864,000 | 15,150,000 | 22,212,000 | 28,751,000 |
| Interest expense | 2,346,000 | 4,062,000 | 5,560,000 | 6,652,000 |
| Net interest income | 5,518,000 | 11,088,000 | 16,652,000 | 22,099,000 |
| Noninterest income | 590,000 | 998,000 | 1,691,000 | 2,517,000 |
| Noninterest expense | 3,466,000 | 7,237,000 | 10,748,000 | 14,335,000 |
| Provision for loan losses | 1,000,000 | 1,950,000 | 5,450,000 | 9,600,000 |
| Pretax income | 2,211,000 | 3,468,000 | 1,683,000 | 219,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,211,000 | 3,468,000 | 1,683,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,224,000 | 40,481,000 | 41,697,000 | 44,232,000 |
| Total capital | 43,739,000 | 44,103,000 | 45,248,000 | 47,804,000 |
| Risk-weighted assets | 279,199,000 | 286,821,000 | 278,910,000 | 278,247,000 |