Call reports 2015
HELM BANK USA — 2015
What HELM BANK USA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 750,669,000 | 705,542,000 | 720,189,000 | 725,508,000 |
| Total loans | 429,339,000 | 429,267,000 | 445,614,000 | 450,666,000 |
| Allowance for loan losses | 8,939,000 | 9,191,000 | 9,419,000 | 9,870,000 |
| Securities available for sale | 265,157,000 | 258,213,000 | 239,759,000 | 227,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 655,987,000 | 611,974,000 | 614,207,000 | 620,267,000 |
| Interest-bearing deposits | 398,386,000 | 380,771,000 | 349,818,000 | 361,019,000 |
| Noninterest-bearing deposits | 257,601,000 | 231,203,000 | 264,389,000 | 259,248,000 |
| Equity capital | 90,475,000 | 89,350,000 | 91,498,000 | 91,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,836,000 | 13,364,000 | 20,285,000 | 27,026,000 |
| Interest expense | 114,000 | 238,000 | 358,000 | 478,000 |
| Net interest income | 6,722,000 | 13,126,000 | 19,927,000 | 26,548,000 |
| Noninterest income | 1,349,000 | 2,773,000 | 4,279,000 | 5,642,000 |
| Noninterest expense | 7,656,000 | 15,001,000 | 22,281,000 | 28,480,000 |
| Provision for loan losses | 300,000 | 600,000 | 719,000 | 1,275,000 |
| Pretax income | 673,000 | 1,064,000 | 2,167,000 | 3,961,000 |
| Income tax | 187,000 | 238,000 | 438,000 | 1,202,000 |
| Net income | 486,000 | 826,000 | 1,729,000 | 2,759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,182,000 | 90,007,000 | 90,551,000 | 90,095,000 |
| Total capital | 93,529,000 | 94,111,000 | 94,522,000 | 94,223,000 |
| Risk-weighted assets | 342,150,000 | 322,736,000 | 311,404,000 | 324,068,000 |