Call reports 2017
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2017
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 323,020,000 | 342,935,000 | 360,473,000 | 352,968,000 |
| Total loans | 262,951,000 | 284,536,000 | 292,829,000 | 292,108,000 |
| Allowance for loan losses | 3,361,000 | 3,440,000 | 3,512,000 | 3,311,000 |
| Securities available for sale | 40,875,000 | 40,866,000 | 40,130,000 | 39,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,257,000 | 279,944,000 | 295,276,000 | 307,420,000 |
| Interest-bearing deposits | 211,284,000 | 206,633,000 | 214,892,000 | 220,603,000 |
| Noninterest-bearing deposits | 75,973,000 | 73,311,000 | 80,384,000 | 86,817,000 |
| Equity capital | 34,211,000 | 33,948,000 | 35,359,000 | 35,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,871,000 | 8,031,000 | 12,465,000 | 16,931,000 |
| Interest expense | 331,000 | 721,000 | 1,270,000 | 1,843,000 |
| Net interest income | 3,540,000 | 7,310,000 | 11,195,000 | 15,088,000 |
| Noninterest income | 144,000 | 281,000 | 377,000 | 486,000 |
| Noninterest expense | 1,596,000 | 3,115,000 | 4,695,000 | 6,809,000 |
| Provision for loan losses | 0 | 75,000 | 150,000 | 250,000 |
| Pretax income | 2,081,000 | 4,394,000 | 6,722,000 | 8,510,000 |
| Income tax | 624,000 | 1,466,000 | 2,268,000 | 3,143,000 |
| Net income | 1,457,000 | 2,928,000 | 4,454,000 | 5,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,426,000 | 33,095,000 | 34,621,000 | 35,440,000 |
| Total capital | 36,787,000 | 36,535,000 | 38,133,000 | 38,751,000 |
| Risk-weighted assets | 279,881,000 | 298,989,000 | 308,749,000 | 307,405,000 |