Call reports 2005
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2005
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 103,577,000 | 110,854,000 | 117,600,000 | 111,282,000 |
| Total loans | 74,813,000 | 86,276,000 | 88,453,000 | 83,035,000 |
| Allowance for loan losses | 1,033,000 | 1,034,000 | 1,041,000 | 964,000 |
| Securities available for sale | 17,212,000 | 18,037,000 | 17,709,000 | 17,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,151,000 | 94,537,000 | 96,732,000 | 93,442,000 |
| Interest-bearing deposits | 77,357,000 | 81,179,000 | 81,393,000 | 79,004,000 |
| Noninterest-bearing deposits | 15,794,000 | 13,358,000 | 15,339,000 | 14,438,000 |
| Equity capital | 8,344,000 | 9,047,000 | 9,408,000 | 9,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,587,000 | 3,246,000 | 5,114,000 | 6,999,000 |
| Interest expense | 414,000 | 893,000 | 1,480,000 | 2,089,000 |
| Net interest income | 1,173,000 | 2,353,000 | 3,634,000 | 4,910,000 |
| Noninterest income | 189,000 | 359,000 | 525,000 | 690,000 |
| Noninterest expense | 727,000 | 1,453,000 | 2,197,000 | 3,154,000 |
| Provision for loan losses | 0 | 25,000 | 50,000 | 125,000 |
| Pretax income | 635,000 | 1,234,000 | 1,912,000 | 2,321,000 |
| Income tax | 116,000 | 231,000 | 352,000 | 475,000 |
| Net income | 519,000 | 1,003,000 | 1,560,000 | 1,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,342,000 | 8,826,000 | 9,284,000 | 9,570,000 |
| Total capital | 9,366,000 | 9,860,000 | 10,325,000 | 10,534,000 |
| Risk-weighted assets | 82,820,000 | 93,318,000 | 97,279,000 | 91,796,000 |
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