Call reports 2007
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2007
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 127,515,000 | 129,820,000 | 136,502,000 | 146,028,000 |
| Total loans | 93,592,000 | 104,788,000 | 106,467,000 | 107,311,000 |
| Allowance for loan losses | 1,066,000 | 1,126,000 | 1,145,000 | 1,175,000 |
| Securities available for sale | 18,225,000 | 18,011,000 | 19,632,000 | 25,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,387,000 | 117,261,000 | 124,263,000 | 133,093,000 |
| Interest-bearing deposits | 102,357,000 | 104,983,000 | 109,859,000 | 116,631,000 |
| Noninterest-bearing deposits | 14,030,000 | 12,278,000 | 14,404,000 | 16,462,000 |
| Equity capital | 9,175,000 | 9,579,000 | 10,013,000 | 10,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,282,000 | 4,739,000 | 7,281,000 | 9,882,000 |
| Interest expense | 1,068,000 | 2,121,000 | 3,266,000 | 4,437,000 |
| Net interest income | 1,214,000 | 2,618,000 | 4,015,000 | 5,445,000 |
| Noninterest income | 166,000 | 331,000 | 505,000 | 694,000 |
| Noninterest expense | 743,000 | 1,564,000 | 2,392,000 | 3,450,000 |
| Provision for loan losses | 765,000 | 865,000 | 925,000 | 963,000 |
| Pretax income | -128,000 | 520,000 | 1,203,000 | 1,728,000 |
| Income tax | 4,000 | 33,000 | 79,000 | 112,000 |
| Net income | -132,000 | 487,000 | 1,124,000 | 1,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,190,000 | 9,809,000 | 10,085,000 | 10,577,000 |
| Total capital | 10,256,000 | 10,935,000 | 11,230,000 | 11,752,000 |
| Risk-weighted assets | 102,515,000 | 111,953,000 | 115,819,000 | 119,618,000 |
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