Call reports 2018
HELM BANK USA — 2018
What HELM BANK USA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 824,620,000 | 815,940,000 | 801,521,000 | 776,496,000 |
| Total loans | 508,389,000 | 522,534,000 | 528,628,000 | 526,334,000 |
| Allowance for loan losses | 10,213,000 | 10,383,000 | 10,372,000 | 10,273,000 |
| Securities available for sale | 254,943,000 | 250,167,000 | 226,450,000 | 223,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 694,675,000 | 693,230,000 | 680,535,000 | 644,351,000 |
| Interest-bearing deposits | 380,345,000 | 381,180,000 | 397,531,000 | 388,147,000 |
| Noninterest-bearing deposits | 314,331,000 | 312,050,000 | 283,004,000 | 256,203,000 |
| Equity capital | 91,583,000 | 89,118,000 | 86,408,000 | 91,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 7,478,000 | 15,280,000 | 23,579,000 | 31,541,000 |
| Interest expense | 482,000 | 1,071,000 | 1,689,000 | 2,387,000 |
| Net interest income | 6,996,000 | 14,209,000 | 21,890,000 | 29,154,000 |
| Noninterest income | 1,204,000 | 2,390,000 | 3,578,000 | 4,743,000 |
| Noninterest expense | 6,528,000 | 13,130,000 | 19,739,000 | 25,572,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,672,000 | 3,484,000 | 5,760,000 | 8,356,000 |
| Income tax | 318,000 | 671,000 | 1,150,000 | 1,713,000 |
| Net income | 1,354,000 | 2,813,000 | 4,610,000 | 6,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,859,000 | 97,310,000 | 96,100,000 | 98,142,000 |
| Total capital | 103,644,000 | 101,670,000 | 100,494,000 | 102,452,000 |
| Risk-weighted assets | 377,282,000 | 342,731,000 | 345,488,000 | 338,786,000 |