Call reports 2011
HELM BANK USA — 2011
What HELM BANK USA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 805,093,000 | 814,573,000 | 827,439,000 | 865,960,000 |
| Total loans | 317,459,000 | 323,168,000 | 345,882,000 | 376,933,000 |
| Allowance for loan losses | 8,681,000 | 9,284,000 | 10,017,000 | 12,106,000 |
| Securities available for sale | 390,519,000 | 373,516,000 | 340,921,000 | 340,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 745,308,000 | 746,285,000 | 752,697,000 | 788,780,000 |
| Interest-bearing deposits | 482,463,000 | 480,704,000 | 493,022,000 | 488,648,000 |
| Noninterest-bearing deposits | 262,845,000 | 265,581,000 | 259,675,000 | 300,132,000 |
| Equity capital | 55,609,000 | 64,165,000 | 70,094,000 | 72,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,741,000 | 13,902,000 | 21,103,000 | 28,263,000 |
| Interest expense | 244,000 | 488,000 | 727,000 | 960,000 |
| Net interest income | 6,497,000 | 13,414,000 | 20,376,000 | 27,303,000 |
| Noninterest income | 836,000 | 2,086,000 | 3,295,000 | 4,646,000 |
| Noninterest expense | 5,398,000 | 10,822,000 | 17,017,000 | 21,624,000 |
| Provision for loan losses | 1,300,000 | 3,200,000 | 5,100,000 | 7,600,000 |
| Pretax income | 950,000 | 2,471,000 | 4,126,000 | 6,244,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 950,000 | 2,471,000 | 4,126,000 | 6,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,575,000 | 64,096,000 | 65,326,000 | 67,506,000 |
| Total capital | 66,518,000 | 68,121,000 | 69,305,000 | 72,031,000 |
| Risk-weighted assets | 310,681,000 | 316,735,000 | 312,250,000 | 354,396,000 |