Call reports 2016
HELM BANK USA — 2016
What HELM BANK USA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 739,214,000 | 749,749,000 | 764,159,000 | 755,584,000 |
| Total loans | 444,681,000 | 446,907,000 | 445,224,000 | 475,308,000 |
| Allowance for loan losses | 10,028,000 | 9,778,000 | 9,818,000 | 9,792,000 |
| Securities available for sale | 209,562,000 | 247,882,000 | 274,243,000 | 256,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 631,667,000 | 639,758,000 | 653,610,000 | 623,639,000 |
| Interest-bearing deposits | 352,053,000 | 349,620,000 | 354,004,000 | 362,082,000 |
| Noninterest-bearing deposits | 279,614,000 | 290,138,000 | 299,606,000 | 261,557,000 |
| Equity capital | 93,945,000 | 95,347,000 | 95,612,000 | 91,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,711,000 | 13,431,000 | 20,281,000 | 27,258,000 |
| Interest expense | 155,000 | 286,000 | 426,000 | 666,000 |
| Net interest income | 6,556,000 | 13,145,000 | 19,855,000 | 26,592,000 |
| Noninterest income | 1,140,000 | 2,296,000 | 3,536,000 | 4,657,000 |
| Noninterest expense | 6,891,000 | 13,690,000 | 20,608,000 | 27,124,000 |
| Provision for loan losses | 100,000 | -270,000 | -270,000 | -270,000 |
| Pretax income | 1,110,000 | 2,514,000 | 3,698,000 | 5,089,000 |
| Income tax | 91,000 | 696,000 | 1,023,000 | 1,726,000 |
| Net income | 1,019,000 | 1,818,000 | 2,675,000 | 3,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,959,000 | 93,758,000 | 94,616,000 | 95,302,000 |
| Total capital | 97,214,000 | 97,898,000 | 98,635,000 | 99,456,000 |
| Risk-weighted assets | 333,565,000 | 324,317,000 | 314,623,000 | 326,615,000 |