Call reports 2021
HELM BANK USA — 2021
What HELM BANK USA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 944,443,000 | 1,023,040,000 | 983,530,000 | 908,464,000 |
| Total loans | 513,851,000 | 471,293,000 | 450,536,000 | 459,046,000 |
| Allowance for loan losses | 11,638,000 | 10,755,000 | 9,360,000 | 8,364,000 |
| Securities available for sale | 237,406,000 | 247,941,000 | 253,194,000 | 255,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 839,091,000 | 913,628,000 | 875,977,000 | 805,627,000 |
| Interest-bearing deposits | 427,773,000 | 482,405,000 | 400,200,000 | 385,667,000 |
| Noninterest-bearing deposits | 411,318,000 | 431,223,000 | 475,777,000 | 419,960,000 |
| Equity capital | 100,756,000 | 105,093,000 | 103,558,000 | 98,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,063,000 | 13,653,000 | 20,190,000 | 26,509,000 |
| Interest expense | 345,000 | 663,000 | 923,000 | 1,134,000 |
| Net interest income | 6,718,000 | 12,990,000 | 19,267,000 | 25,375,000 |
| Noninterest income | 1,178,000 | 2,560,000 | 3,986,000 | 5,579,000 |
| Noninterest expense | 5,761,000 | 11,792,000 | 17,863,000 | 24,868,000 |
| Provision for loan losses | 0 | -1,149,000 | -2,551,000 | -3,562,000 |
| Pretax income | 2,117,000 | 4,891,000 | 7,923,000 | 9,621,000 |
| Income tax | 415,000 | 845,000 | 965,000 | 1,986,000 |
| Net income | 1,702,000 | 4,046,000 | 6,958,000 | 7,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 101,090,000 | 103,434,000 | 103,345,000 | 99,521,000 |
| Total capital | 105,672,000 | 108,067,000 | 107,675,000 | 103,917,000 |
| Risk-weighted assets | 359,430,000 | 364,474,000 | 341,287,000 | 347,634,000 |