Call reports 2004
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2004
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 102,689,000 | 100,688,000 | 105,805,000 | 101,907,000 |
| Total loans | 66,804,000 | 77,113,000 | 80,582,000 | 77,852,000 |
| Allowance for loan losses | 888,000 | 929,000 | 991,000 | 987,000 |
| Securities available for sale | 16,083,000 | 15,459,000 | 15,557,000 | 15,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,059,000 | 89,295,000 | 93,002,000 | 88,618,000 |
| Interest-bearing deposits | 75,462,000 | 75,983,000 | 77,590,000 | 73,136,000 |
| Noninterest-bearing deposits | 15,597,000 | 13,312,000 | 15,412,000 | 15,482,000 |
| Equity capital | 7,462,000 | 7,299,000 | 7,694,000 | 8,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,331,000 | 2,742,000 | 4,259,000 | 5,779,000 |
| Interest expense | 361,000 | 722,000 | 1,107,000 | 1,486,000 |
| Net interest income | 970,000 | 2,020,000 | 3,152,000 | 4,293,000 |
| Noninterest income | 153,000 | 315,000 | 473,000 | 601,000 |
| Noninterest expense | 718,000 | 1,426,000 | 2,137,000 | 3,005,000 |
| Provision for loan losses | 5,000 | 85,000 | 195,000 | 240,000 |
| Pretax income | 426,000 | 850,000 | 1,337,000 | 1,693,000 |
| Income tax | 136,000 | 261,000 | 421,000 | 551,000 |
| Net income | 290,000 | 589,000 | 916,000 | 1,142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,230,000 | 7,280,000 | 7,511,000 | 8,153,000 |
| Total capital | 8,118,000 | 8,209,000 | 8,502,000 | 9,140,000 |
| Risk-weighted assets | 76,306,000 | 83,780,000 | 87,702,000 | 84,595,000 |
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