Call reports 2012
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2012
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 246,149,000 | 255,176,000 | 268,917,000 | 279,623,000 |
| Total loans | 161,195,000 | 194,788,000 | 210,021,000 | 222,570,000 |
| Allowance for loan losses | 1,920,000 | 2,128,000 | 2,426,000 | 2,651,000 |
| Securities available for sale | 44,735,000 | 43,351,000 | 41,329,000 | 38,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,008,000 | 220,565,000 | 231,310,000 | 252,497,000 |
| Interest-bearing deposits | 175,721,000 | 179,063,000 | 178,456,000 | 196,103,000 |
| Noninterest-bearing deposits | 43,287,000 | 41,502,000 | 52,854,000 | 56,394,000 |
| Equity capital | 22,149,000 | 21,519,000 | 23,415,000 | 24,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,998,000 | 6,277,000 | 9,846,000 | 13,614,000 |
| Interest expense | 296,000 | 582,000 | 873,000 | 1,149,000 |
| Net interest income | 2,702,000 | 5,695,000 | 8,973,000 | 12,465,000 |
| Noninterest income | 209,000 | 390,000 | 587,000 | 757,000 |
| Noninterest expense | 1,177,000 | 2,367,000 | 3,596,000 | 5,833,000 |
| Provision for loan losses | 150,000 | 350,000 | 650,000 | 900,000 |
| Pretax income | 1,584,000 | 3,368,000 | 5,601,000 | 6,871,000 |
| Income tax | 141,000 | 255,000 | 393,000 | 403,000 |
| Net income | 1,443,000 | 3,113,000 | 5,208,000 | 6,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,215,000 | 19,260,000 | 20,755,000 | 22,015,000 |
| Total capital | 22,135,000 | 21,388,000 | 23,181,000 | 24,666,000 |
| Risk-weighted assets | 173,378,000 | 196,794,000 | 211,851,000 | 221,069,000 |