Call reports 2010
HELM BANK USA — 2010
What HELM BANK USA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 728,331,000 | 711,727,000 | 774,660,000 | 753,856,000 |
| Total loans | 264,784,000 | 263,766,000 | 274,975,000 | 291,211,000 |
| Allowance for loan losses | 8,042,000 | 7,293,000 | 7,973,000 | 8,671,000 |
| Securities available for sale | 135,198,000 | 109,059,000 | 361,653,000 | 419,114,000 |
| Securities held to maturity | 205,054,000 | 206,197,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 676,505,000 | 657,790,000 | 710,879,000 | 700,191,000 |
| Interest-bearing deposits | 471,602,000 | 458,748,000 | 471,154,000 | 468,462,000 |
| Noninterest-bearing deposits | 204,902,000 | 199,042,000 | 239,724,000 | 231,728,000 |
| Equity capital | 47,723,000 | 49,857,000 | 59,547,000 | 49,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,991,000 | 11,708,000 | 17,817,000 | 24,101,000 |
| Interest expense | 358,000 | 712,000 | 1,055,000 | 1,316,000 |
| Net interest income | 5,633,000 | 10,996,000 | 16,762,000 | 22,785,000 |
| Noninterest income | 680,000 | 1,435,000 | 2,138,000 | 3,196,000 |
| Noninterest expense | 4,325,000 | 8,513,000 | 13,131,000 | 18,300,000 |
| Provision for loan losses | 2,100,000 | 3,690,000 | 5,498,000 | 7,944,000 |
| Pretax income | 544,000 | 2,208,000 | 8,763,000 | 9,364,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 544,000 | 2,208,000 | 8,763,000 | 9,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,881,000 | 48,544,000 | 55,099,000 | 55,527,000 |
| Total capital | 50,721,000 | 52,266,000 | 58,937,000 | 59,244,000 |
| Risk-weighted assets | 302,960,000 | 294,199,000 | 302,944,000 | 292,368,000 |