Call reports 2014
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2014
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 288,290,000 | 297,270,000 | 305,647,000 | 307,484,000 |
| Total loans | 225,641,000 | 234,693,000 | 244,479,000 | 244,899,000 |
| Allowance for loan losses | 2,932,000 | 2,866,000 | 2,619,000 | 2,466,000 |
| Securities available for sale | 40,655,000 | 42,794,000 | 41,201,000 | 42,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,873,000 | 254,043,000 | 252,446,000 | 259,736,000 |
| Interest-bearing deposits | 195,575,000 | 192,879,000 | 187,917,000 | 190,786,000 |
| Noninterest-bearing deposits | 56,298,000 | 61,164,000 | 64,529,000 | 68,950,000 |
| Equity capital | 26,679,000 | 26,268,000 | 28,257,000 | 29,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,591,000 | 7,206,000 | 10,924,000 | 14,750,000 |
| Interest expense | 188,000 | 385,000 | 602,000 | 829,000 |
| Net interest income | 3,403,000 | 6,821,000 | 10,322,000 | 13,921,000 |
| Noninterest income | 165,000 | 426,000 | 1,246,000 | 1,445,000 |
| Noninterest expense | 1,507,000 | 3,019,000 | 4,549,000 | 6,621,000 |
| Provision for loan losses | 150,000 | 250,000 | 600,000 | 650,000 |
| Pretax income | 1,911,000 | 3,978,000 | 6,432,000 | 8,110,000 |
| Income tax | 19,000 | 19,000 | 19,000 | 19,000 |
| Net income | 1,892,000 | 3,959,000 | 6,413,000 | 8,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,561,000 | 24,493,000 | 26,137,000 | 27,815,000 |
| Total capital | 28,381,000 | 27,359,000 | 28,756,000 | 30,281,000 |
| Risk-weighted assets | 225,516,000 | 234,218,000 | 241,498,000 | 241,636,000 |