Call reports 2008
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2008
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 156,573,000 | 160,009,000 | 170,989,000 | 177,128,000 |
| Total loans | 105,784,000 | 123,579,000 | 128,035,000 | 133,346,000 |
| Allowance for loan losses | 1,191,000 | 1,247,000 | 1,352,000 | 1,478,000 |
| Securities available for sale | 28,710,000 | 28,614,000 | 28,859,000 | 31,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,189,000 | 135,860,000 | 143,913,000 | 153,433,000 |
| Interest-bearing deposits | 124,570,000 | 120,101,000 | 125,925,000 | 133,374,000 |
| Noninterest-bearing deposits | 18,619,000 | 15,759,000 | 17,988,000 | 20,059,000 |
| Equity capital | 11,492,000 | 12,150,000 | 12,702,000 | 12,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,409,000 | 4,851,000 | 7,532,000 | 10,218,000 |
| Interest expense | 1,049,000 | 1,955,000 | 2,894,000 | 3,818,000 |
| Net interest income | 1,360,000 | 2,896,000 | 4,638,000 | 6,400,000 |
| Noninterest income | 156,000 | 344,000 | 538,000 | 702,000 |
| Noninterest expense | 915,000 | 1,968,000 | 2,934,000 | 4,148,000 |
| Provision for loan losses | 60,000 | 140,000 | 260,000 | 375,000 |
| Pretax income | 552,000 | 1,165,000 | 2,015,000 | 2,612,000 |
| Income tax | 38,000 | 76,000 | 132,000 | 231,000 |
| Net income | 514,000 | 1,089,000 | 1,883,000 | 2,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,297,000 | 12,443,000 | 13,012,000 | 13,360,000 |
| Total capital | 12,488,000 | 13,690,000 | 14,364,000 | 14,838,000 |
| Risk-weighted assets | 121,820,000 | 131,072,000 | 137,934,000 | 143,208,000 |
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