Call reports 2016
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2016
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 316,171,000 | 330,323,000 | 339,009,000 | 338,987,000 |
| Total loans | 251,159,000 | 267,109,000 | 269,760,000 | 266,952,000 |
| Allowance for loan losses | 3,048,000 | 3,110,000 | 3,257,000 | 3,382,000 |
| Securities available for sale | 44,412,000 | 44,662,000 | 44,241,000 | 41,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,042,000 | 266,860,000 | 274,237,000 | 302,831,000 |
| Interest-bearing deposits | 207,297,000 | 202,834,000 | 204,620,000 | 221,428,000 |
| Noninterest-bearing deposits | 75,745,000 | 64,026,000 | 69,617,000 | 81,403,000 |
| Equity capital | 31,500,000 | 33,313,000 | 34,795,000 | 35,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,795,000 | 7,634,000 | 11,677,000 | 15,690,000 |
| Interest expense | 256,000 | 519,000 | 830,000 | 1,159,000 |
| Net interest income | 3,539,000 | 7,115,000 | 10,847,000 | 14,531,000 |
| Noninterest income | 72,000 | 159,000 | 257,000 | 385,000 |
| Noninterest expense | 1,480,000 | 2,913,000 | 4,323,000 | 6,246,000 |
| Provision for loan losses | 150,000 | 210,000 | 286,000 | 836,000 |
| Pretax income | 1,981,000 | 4,151,000 | 6,495,000 | 7,833,000 |
| Income tax | 577,000 | 1,154,000 | 1,847,000 | 2,203,000 |
| Net income | 1,404,000 | 2,997,000 | 4,648,000 | 5,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,257,000 | 31,850,000 | 33,501,000 | 34,483,000 |
| Total capital | 33,305,000 | 34,960,000 | 36,758,000 | 37,865,000 |
| Risk-weighted assets | 266,077,000 | 280,633,000 | 285,157,000 | 282,806,000 |