Call reports 2012
HELM BANK USA — 2012
What HELM BANK USA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 889,802,000 | 899,996,000 | 898,640,000 | 865,265,000 |
| Total loans | 392,302,000 | 406,715,000 | 418,222,000 | 418,079,000 |
| Allowance for loan losses | 12,061,000 | 12,663,000 | 13,770,000 | 13,470,000 |
| Securities available for sale | 329,186,000 | 325,024,000 | 352,598,000 | 344,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 812,830,000 | 816,865,000 | 810,573,000 | 775,835,000 |
| Interest-bearing deposits | 501,770,000 | 495,099,000 | 490,569,000 | 467,024,000 |
| Noninterest-bearing deposits | 311,060,000 | 321,766,000 | 320,004,000 | 308,810,000 |
| Equity capital | 72,918,000 | 78,762,000 | 82,751,000 | 83,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,285,000 | 14,784,000 | 22,536,000 | 29,713,000 |
| Interest expense | 214,000 | 412,000 | 590,000 | 745,000 |
| Net interest income | 7,071,000 | 14,372,000 | 21,946,000 | 28,968,000 |
| Noninterest income | 1,483,000 | 3,196,000 | 5,111,000 | 6,723,000 |
| Noninterest expense | 5,541,000 | 11,403,000 | 17,717,000 | 25,099,000 |
| Provision for loan losses | 1,800,000 | 3,500,000 | 5,000,000 | 5,000,000 |
| Pretax income | 1,581,000 | 4,191,000 | 7,078,000 | 8,515,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,581,000 | 4,191,000 | 7,078,000 | 8,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,423,000 | 72,038,000 | 74,896,000 | 76,460,000 |
| Total capital | 74,147,000 | 76,876,000 | 79,593,000 | 81,109,000 |
| Risk-weighted assets | 370,481,000 | 379,138,000 | 362,002,000 | 355,629,000 |