Call reports 2015
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2015
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 306,537,000 | 311,303,000 | 325,873,000 | 322,899,000 |
| Total loans | 235,338,000 | 249,298,000 | 263,034,000 | 259,988,000 |
| Allowance for loan losses | 2,532,000 | 2,636,000 | 2,842,000 | 2,908,000 |
| Securities available for sale | 48,464,000 | 47,713,000 | 45,909,000 | 44,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,586,000 | 242,196,000 | 268,993,000 | 276,816,000 |
| Interest-bearing deposits | 195,848,000 | 185,070,000 | 196,899,000 | 204,391,000 |
| Noninterest-bearing deposits | 69,738,000 | 57,126,000 | 72,094,000 | 72,425,000 |
| Equity capital | 31,059,000 | 26,991,000 | 28,086,000 | 30,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,607,000 | 7,314,000 | 11,243,000 | 15,160,000 |
| Interest expense | 208,000 | 428,000 | 683,000 | 940,000 |
| Net interest income | 3,399,000 | 6,886,000 | 10,560,000 | 14,220,000 |
| Noninterest income | 151,000 | 283,000 | 439,000 | 573,000 |
| Noninterest expense | 2,083,000 | 3,653,000 | 5,031,000 | 7,020,000 |
| Provision for loan losses | -460,000 | -360,000 | -160,000 | 65,000 |
| Pretax income | 1,912,000 | 3,861,000 | 6,115,000 | 7,695,000 |
| Income tax | 0 | 205,000 | 868,000 | 490,000 |
| Net income | 1,912,000 | 3,656,000 | 5,247,000 | 7,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,827,000 | 25,305,000 | 26,895,000 | 28,853,000 |
| Total capital | 31,359,000 | 27,941,000 | 29,737,000 | 31,761,000 |
| Risk-weighted assets | 247,779,000 | 266,474,000 | 278,091,000 | 273,606,000 |