Call reports 2024
HELM BANK USA — 2024
What HELM BANK USA reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,044,175,000 | 1,033,052,000 | 1,015,891,000 | 1,010,203,000 |
| Total loans | 556,872,000 | 573,355,000 | 599,596,000 | 602,981,000 |
| Allowance for loan losses | 9,445,000 | 9,850,000 | 10,334,000 | 10,806,000 |
| Securities available for sale | 421,641,000 | 423,276,000 | 387,635,000 | 330,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 951,976,000 | 929,689,000 | 908,056,000 | 908,540,000 |
| Interest-bearing deposits | 449,277,000 | 499,005,000 | 503,377,000 | 513,968,000 |
| Noninterest-bearing deposits | 502,699,000 | 430,684,000 | 404,679,000 | 394,572,000 |
| Equity capital | 82,972,000 | 83,532,000 | 97,289,000 | 89,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 12,294,000 | 24,802,000 | 37,548,000 | 50,167,000 |
| Interest expense | 1,997,000 | 4,345,000 | 7,211,000 | 10,114,000 |
| Net interest income | 10,297,000 | 20,457,000 | 30,337,000 | 40,053,000 |
| Noninterest income | 1,329,000 | 2,756,000 | 4,177,000 | 5,631,000 |
| Noninterest expense | 7,750,000 | 15,918,000 | 23,850,000 | 31,733,000 |
| Provision for loan losses | 357,000 | 697,000 | 1,193,000 | 1,673,000 |
| Pretax income | 3,173,000 | 6,248,000 | 7,755,000 | 9,933,000 |
| Income tax | 683,000 | 1,527,000 | 1,809,000 | 2,469,000 |
| Net income | 2,490,000 | 4,721,000 | 5,946,000 | 7,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,279,000 | 124,511,000 | 125,735,000 | 127,254,000 |
| Total capital | 127,610,000 | 129,918,000 | 131,024,000 | 132,564,000 |
| Risk-weighted assets | 422,354,000 | 428,107,000 | 418,029,000 | 419,267,000 |