Call reports 2017
HELM BANK USA — 2017
What HELM BANK USA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 771,632,000 | 780,189,000 | 796,302,000 | 780,555,000 |
| Total loans | 483,552,000 | 498,158,000 | 498,426,000 | 506,514,000 |
| Allowance for loan losses | 10,016,000 | 10,186,000 | 10,169,000 | 10,285,000 |
| Securities available for sale | 247,596,000 | 238,474,000 | 238,780,000 | 239,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 628,784,000 | 635,752,000 | 661,819,000 | 648,495,000 |
| Interest-bearing deposits | 350,842,000 | 372,098,000 | 361,602,000 | 355,296,000 |
| Noninterest-bearing deposits | 277,941,000 | 263,654,000 | 300,217,000 | 293,199,000 |
| Equity capital | 92,001,000 | 93,846,000 | 95,516,000 | 93,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,124,000 | 14,264,000 | 21,650,000 | 28,930,000 |
| Interest expense | 226,000 | 556,000 | 925,000 | 1,275,000 |
| Net interest income | 6,898,000 | 13,708,000 | 20,725,000 | 27,655,000 |
| Noninterest income | 1,071,000 | 2,197,000 | 3,724,000 | 5,028,000 |
| Noninterest expense | 7,138,000 | 13,840,000 | 20,460,000 | 26,846,000 |
| Provision for loan losses | 260,000 | 280,000 | 280,000 | 430,000 |
| Pretax income | 776,000 | 2,106,000 | 4,115,000 | 5,938,000 |
| Income tax | 150,000 | 555,000 | 1,199,000 | 4,386,000 |
| Net income | 626,000 | 1,551,000 | 2,916,000 | 1,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,928,000 | 96,853,000 | 98,219,000 | 96,855,000 |
| Total capital | 100,185,000 | 101,260,000 | 102,546,000 | 101,173,000 |
| Risk-weighted assets | 334,755,000 | 346,645,000 | 340,143,000 | 339,369,000 |