Call reports 2009
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2009
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 180,503,000 | 175,278,000 | 191,799,000 | 193,678,000 |
| Total loans | 124,440,000 | 126,524,000 | 137,185,000 | 143,093,000 |
| Allowance for loan losses | 1,939,000 | 2,026,000 | 2,048,000 | 2,142,000 |
| Securities available for sale | 33,546,000 | 33,815,000 | 37,205,000 | 36,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,779,000 | 157,099,000 | 161,260,000 | 166,804,000 |
| Interest-bearing deposits | 141,267,000 | 139,415,000 | 141,258,000 | 145,328,000 |
| Noninterest-bearing deposits | 18,512,000 | 17,684,000 | 20,002,000 | 21,476,000 |
| Equity capital | 12,894,000 | 12,170,000 | 15,649,000 | 15,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,500,000 | 5,026,000 | 7,699,000 | 10,440,000 |
| Interest expense | 818,000 | 1,559,000 | 2,295,000 | 2,981,000 |
| Net interest income | 1,682,000 | 3,467,000 | 5,404,000 | 7,459,000 |
| Noninterest income | 183,000 | 351,000 | 523,000 | 703,000 |
| Noninterest expense | 962,000 | 2,056,000 | 3,077,000 | 4,585,000 |
| Provision for loan losses | 477,000 | 597,000 | 647,000 | 750,000 |
| Pretax income | 438,000 | 1,195,000 | 2,251,000 | 2,904,000 |
| Income tax | 54,000 | 77,000 | 148,000 | 188,000 |
| Net income | 384,000 | 1,118,000 | 2,103,000 | 2,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,519,000 | 12,468,000 | 14,878,000 | 15,490,000 |
| Total capital | 15,267,000 | 14,214,000 | 16,755,000 | 17,418,000 |
| Risk-weighted assets | 139,614,000 | 139,416,000 | 149,976,000 | 154,046,000 |
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