Call reports 2020
HELM BANK USA — 2020
What HELM BANK USA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 849,400,000 | 847,539,000 | 867,500,000 | 880,839,000 |
| Total loans | 550,527,000 | 548,881,000 | 553,393,000 | 536,195,000 |
| Allowance for loan losses | 10,786,000 | 11,328,000 | 11,661,000 | 11,816,000 |
| Securities available for sale | 220,192,000 | 236,672,000 | 234,030,000 | 234,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 733,268,000 | 737,117,000 | 742,988,000 | 766,279,000 |
| Interest-bearing deposits | 422,890,000 | 418,367,000 | 432,826,000 | 414,891,000 |
| Noninterest-bearing deposits | 310,378,000 | 318,750,000 | 310,162,000 | 351,388,000 |
| Equity capital | 103,391,000 | 103,990,000 | 105,485,000 | 105,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 8,413,000 | 16,407,000 | 24,346,000 | 32,257,000 |
| Interest expense | 1,104,000 | 2,026,000 | 2,594,000 | 3,093,000 |
| Net interest income | 7,309,000 | 14,381,000 | 21,752,000 | 29,164,000 |
| Noninterest income | 1,104,000 | 2,286,000 | 3,574,000 | 4,797,000 |
| Noninterest expense | 6,216,000 | 11,973,000 | 18,323,000 | 24,644,000 |
| Provision for loan losses | 450,000 | 1,012,000 | 1,221,000 | 1,433,000 |
| Pretax income | 2,105,000 | 4,323,000 | 6,501,000 | 8,564,000 |
| Income tax | 571,000 | 1,063,000 | 1,580,000 | 1,769,000 |
| Net income | 1,534,000 | 3,260,000 | 4,921,000 | 6,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,127,000 | 99,853,000 | 101,513,000 | 101,388,000 |
| Total capital | — | 104,461,000 | 106,164,000 | 105,964,000 |
| Risk-weighted assets | — | 361,889,000 | 364,996,000 | 358,802,000 |