Call reports 2013
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2013
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 284,662,000 | 269,541,000 | 278,178,000 | 282,254,000 |
| Total loans | 211,617,000 | 215,286,000 | 225,102,000 | 228,911,000 |
| Allowance for loan losses | 2,720,000 | 2,740,000 | 2,789,000 | 2,778,000 |
| Securities available for sale | 38,641,000 | 37,656,000 | 37,430,000 | 38,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,942,000 | 238,824,000 | 246,364,000 | 250,148,000 |
| Interest-bearing deposits | 201,152,000 | 190,471,000 | 191,314,000 | 189,603,000 |
| Noninterest-bearing deposits | 55,790,000 | 48,353,000 | 55,050,000 | 60,545,000 |
| Equity capital | 25,500,000 | 22,726,000 | 23,849,000 | 24,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,518,000 | 7,017,000 | 10,595,000 | 14,239,000 |
| Interest expense | 245,000 | 471,000 | 698,000 | 901,000 |
| Net interest income | 3,273,000 | 6,546,000 | 9,897,000 | 13,338,000 |
| Noninterest income | 200,000 | 392,000 | 578,000 | 750,000 |
| Noninterest expense | 1,505,000 | 2,898,000 | 4,548,000 | 6,781,000 |
| Provision for loan losses | 75,000 | 75,000 | 125,000 | 275,000 |
| Pretax income | 1,893,000 | 4,027,000 | 5,872,000 | 7,145,000 |
| Income tax | 113,000 | 0 | 0 | 16,000 |
| Net income | 1,780,000 | 4,027,000 | 5,872,000 | 7,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,120,000 | 22,232,000 | 23,282,000 | 24,539,000 |
| Total capital | 25,771,000 | 24,878,000 | 26,049,000 | 27,317,000 |
| Risk-weighted assets | 211,977,000 | 211,611,000 | 221,377,000 | 225,376,000 |