Call reports 2025
HELM BANK USA — 2025
What HELM BANK USA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,065,367,000 | 1,089,200,000 | 1,141,781,000 | 1,137,676,000 |
| Total loans | 606,711,000 | 624,088,000 | 648,180,000 | 643,344,000 |
| Allowance for loan losses | 10,830,000 | 10,835,000 | 11,053,000 | 10,899,000 |
| Securities available for sale | 332,418,000 | 344,690,000 | 379,135,000 | 415,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 958,274,000 | 978,408,000 | 1,024,508,000 | 1,021,906,000 |
| Interest-bearing deposits | 528,438,000 | 546,139,000 | 585,147,000 | 616,767,000 |
| Noninterest-bearing deposits | 429,836,000 | 432,269,000 | 439,361,000 | 405,139,000 |
| Equity capital | 95,933,000 | 99,866,000 | 106,797,000 | 106,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,965,000 | 26,242,000 | 40,044,000 | 54,589,000 |
| Interest expense | 2,781,000 | 5,549,000 | 8,523,000 | 11,570,000 |
| Net interest income | 10,184,000 | 20,693,000 | 31,521,000 | 43,019,000 |
| Noninterest income | 1,318,000 | 2,746,000 | 4,147,000 | 5,497,000 |
| Noninterest expense | 8,489,000 | 16,868,000 | 25,072,000 | 34,073,000 |
| Provision for loan losses | -2,000 | -2,000 | 213,000 | 213,000 |
| Pretax income | 3,028,000 | 6,589,000 | 10,408,000 | 14,258,000 |
| Income tax | 790,000 | 1,629,000 | 2,499,000 | 3,646,000 |
| Net income | 2,238,000 | 4,960,000 | 7,909,000 | 10,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 129,494,000 | 132,215,000 | 135,163,000 | 132,866,000 |
| Total capital | 134,830,000 | 137,729,000 | 140,920,000 | 138,629,000 |
| Risk-weighted assets | 421,363,000 | 435,789,000 | 455,260,000 | 455,901,000 |