Call reports 2006
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2006
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 112,634,000 | 119,611,000 | 124,177,000 | 125,875,000 |
| Total loans | 81,812,000 | 93,692,000 | 96,619,000 | 98,981,000 |
| Allowance for loan losses | 1,062,000 | 1,080,000 | 1,117,000 | 1,147,000 |
| Securities available for sale | 18,920,000 | 18,375,000 | 18,393,000 | 18,525,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,161,000 | 99,269,000 | 106,029,000 | 109,114,000 |
| Interest-bearing deposits | 86,176,000 | 86,361,000 | 93,202,000 | 95,999,000 |
| Noninterest-bearing deposits | 12,985,000 | 12,908,000 | 12,827,000 | 13,115,000 |
| Equity capital | 9,112,000 | 8,774,000 | 9,366,000 | 9,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,883,000 | 3,904,000 | 6,188,000 | 8,548,000 |
| Interest expense | 648,000 | 1,392,000 | 2,352,000 | 3,363,000 |
| Net interest income | 1,235,000 | 2,512,000 | 3,836,000 | 5,185,000 |
| Noninterest income | 185,000 | 358,000 | 555,000 | 732,000 |
| Noninterest expense | 734,000 | 1,502,000 | 2,278,000 | 3,321,000 |
| Provision for loan losses | 100,000 | 175,000 | 250,000 | 385,000 |
| Pretax income | 586,000 | 1,193,000 | 1,863,000 | 2,211,000 |
| Income tax | 38,000 | 78,000 | 120,000 | 134,000 |
| Net income | 548,000 | 1,115,000 | 1,743,000 | 2,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,263,000 | 9,100,000 | 9,413,000 | 9,747,000 |
| Total capital | 10,325,000 | 10,180,000 | 10,530,000 | 10,894,000 |
| Risk-weighted assets | 91,887,000 | 101,746,000 | 105,002,000 | 107,031,000 |
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