Call reports 2023
HELM BANK USA — 2023
What HELM BANK USA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,119,555,000 | 1,068,714,000 | 1,024,654,000 | 1,057,089,000 |
| Total loans | 489,623,000 | 497,093,000 | 513,214,000 | 536,822,000 |
| Allowance for loan losses | 8,443,000 | 8,428,000 | 8,659,000 | 9,247,000 |
| Securities available for sale | 473,984,000 | 439,312,000 | 429,893,000 | 452,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,037,103,000 | 988,476,000 | 956,421,000 | 962,366,000 |
| Interest-bearing deposits | 427,721,000 | 450,127,000 | 431,842,000 | 429,193,000 |
| Noninterest-bearing deposits | 609,382,000 | 538,349,000 | 524,579,000 | 533,173,000 |
| Equity capital | 76,555,000 | 74,205,000 | 62,280,000 | 84,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 11,190,000 | 22,656,000 | 34,147,000 | 45,984,000 |
| Interest expense | 797,000 | 1,803,000 | 2,903,000 | 4,354,000 |
| Net interest income | 10,393,000 | 20,853,000 | 31,244,000 | 41,630,000 |
| Noninterest income | 1,361,000 | 2,760,000 | 4,227,000 | 5,925,000 |
| Noninterest expense | 6,998,000 | 14,594,000 | 22,659,000 | 31,318,000 |
| Provision for loan losses | -39,000 | 71,000 | 272,000 | 867,000 |
| Pretax income | 4,039,000 | 7,872,000 | 11,437,000 | 14,306,000 |
| Income tax | 748,000 | 1,692,000 | 2,441,000 | 3,005,000 |
| Net income | 3,291,000 | 6,180,000 | 8,996,000 | 11,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,780,000 | 114,667,000 | 117,486,000 | 119,790,000 |
| Total capital | 116,637,000 | 119,466,000 | 122,467,000 | 125,084,000 |
| Risk-weighted assets | 384,895,000 | 380,256,000 | 394,745,000 | 419,553,000 |