Call reports 2014
HELM BANK USA — 2014
What HELM BANK USA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 781,358,000 | 778,231,000 | 763,932,000 | 730,685,000 |
| Total loans | 418,633,000 | 415,205,000 | 414,444,000 | 427,241,000 |
| Allowance for loan losses | 8,639,000 | 8,143,000 | 8,160,000 | 8,670,000 |
| Securities available for sale | 299,331,000 | 278,655,000 | 273,656,000 | 271,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 693,007,000 | 685,559,000 | 672,701,000 | 637,145,000 |
| Interest-bearing deposits | 401,875,000 | 392,468,000 | 396,160,000 | 374,768,000 |
| Noninterest-bearing deposits | 291,132,000 | 293,091,000 | 276,541,000 | 262,377,000 |
| Equity capital | 83,933,000 | 87,158,000 | 86,605,000 | 88,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,762,000 | 13,584,000 | 20,415,000 | 27,174,000 |
| Interest expense | 119,000 | 225,000 | 334,000 | 443,000 |
| Net interest income | 6,643,000 | 13,359,000 | 20,081,000 | 26,731,000 |
| Noninterest income | 2,050,000 | 3,719,000 | 5,657,000 | 7,277,000 |
| Noninterest expense | 8,217,000 | 16,841,000 | 25,611,000 | 32,693,000 |
| Provision for loan losses | -500,000 | -1,011,000 | -1,011,000 | -511,000 |
| Pretax income | 1,274,000 | 2,229,000 | 2,403,000 | 3,148,000 |
| Income tax | 241,000 | 494,000 | 494,000 | 957,000 |
| Net income | 1,033,000 | 1,735,000 | 1,909,000 | 2,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,838,000 | 88,725,000 | 87,180,000 | 87,597,000 |
| Total capital | 90,254,000 | 93,077,000 | 91,488,000 | 91,754,000 |
| Risk-weighted assets | 348,972,000 | 343,898,000 | 340,403,000 | 327,364,000 |