Call reports 2019
HELM BANK USA — 2019
What HELM BANK USA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 837,672,000 | 859,837,000 | 838,024,000 | 841,472,000 |
| Total loans | 532,227,000 | 532,012,000 | 533,092,000 | 534,388,000 |
| Allowance for loan losses | 10,236,000 | 10,188,000 | 10,199,000 | 10,262,000 |
| Securities available for sale | 228,255,000 | 233,226,000 | 249,709,000 | 229,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 699,652,000 | 741,854,000 | 718,882,000 | 723,433,000 |
| Interest-bearing deposits | 424,372,000 | 449,397,000 | 426,858,000 | 433,854,000 |
| Noninterest-bearing deposits | 275,280,000 | 292,457,000 | 292,024,000 | 289,579,000 |
| Equity capital | 97,094,000 | 99,125,000 | 99,691,000 | 99,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,454,000 | 17,118,000 | 25,901,000 | 34,426,000 |
| Interest expense | 954,000 | 2,122,000 | 3,260,000 | 4,408,000 |
| Net interest income | 7,500,000 | 14,996,000 | 22,641,000 | 30,018,000 |
| Noninterest income | 1,238,000 | 2,377,000 | 3,441,000 | 4,482,000 |
| Noninterest expense | 6,116,000 | 12,148,000 | 18,244,000 | 26,232,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,628,000 | 5,225,000 | 8,164,000 | 8,820,000 |
| Income tax | 536,000 | 1,314,000 | 1,975,000 | 2,376,000 |
| Net income | 2,092,000 | 3,911,000 | 6,189,000 | 6,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,246,000 | 99,079,000 | 98,356,000 | 98,592,000 |
| Total capital | 104,681,000 | 103,704,000 | 102,868,000 | 103,160,000 |
| Risk-weighted assets | 348,972,000 | 364,377,000 | 355,241,000 | 359,683,000 |