Call reports 2013
HELM BANK USA — 2013
What HELM BANK USA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 848,079,000 | 816,137,000 | 784,060,000 | 793,220,000 |
| Total loans | 418,750,000 | 421,234,000 | 426,844,000 | 428,781,000 |
| Allowance for loan losses | 13,009,000 | 11,162,000 | 10,632,000 | 9,341,000 |
| Securities available for sale | 329,200,000 | 324,780,000 | 315,305,000 | 305,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 759,677,000 | 729,784,000 | 696,472,000 | 705,799,000 |
| Interest-bearing deposits | 382,231,000 | 439,757,000 | 419,473,000 | 423,753,000 |
| Noninterest-bearing deposits | 377,446,000 | 290,027,000 | 276,999,000 | 282,046,000 |
| Equity capital | 83,083,000 | 81,148,000 | 79,949,000 | 80,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 7,190,000 | 14,210,000 | 21,556,000 | 28,503,000 |
| Interest expense | 152,000 | 301,000 | 437,000 | 566,000 |
| Net interest income | 7,038,000 | 13,909,000 | 21,119,000 | 27,937,000 |
| Noninterest income | 1,639,000 | 3,234,000 | 4,736,000 | 7,322,000 |
| Noninterest expense | 7,009,000 | 15,608,000 | 25,317,000 | 34,485,000 |
| Provision for loan losses | 0 | -1,500,000 | -2,000,000 | -3,000,000 |
| Pretax income | 2,117,000 | 3,772,000 | 3,516,000 | 4,923,000 |
| Income tax | 735,000 | 1,461,000 | 1,232,000 | 1,610,000 |
| Net income | 1,382,000 | 10,382,000 | 10,355,000 | 10,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,842,000 | 86,842,000 | 86,815,000 | 81,608,000 |
| Total capital | 82,272,000 | 91,254,000 | 91,140,000 | 86,099,000 |
| Risk-weighted assets | 344,044,000 | 345,653,000 | 339,319,000 | 354,407,000 |