Call reports 2018
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2018
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 346,826,000 | 349,290,000 | 362,109,000 | 386,558,000 |
| Total loans | 272,159,000 | 279,129,000 | 280,682,000 | 272,374,000 |
| Allowance for loan losses | 4,651,000 | 4,655,000 | 4,660,000 | 4,817,000 |
| Securities available for sale | 38,852,000 | 41,384,000 | 42,146,000 | 43,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,723,000 | 308,004,000 | 319,341,000 | 341,571,000 |
| Interest-bearing deposits | 227,625,000 | 226,434,000 | 230,771,000 | 234,589,000 |
| Noninterest-bearing deposits | 84,098,000 | 81,570,000 | 88,570,000 | 106,982,000 |
| Equity capital | 33,461,000 | 40,572,000 | 41,997,000 | 43,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,178,000 | 8,435,000 | 12,823,000 | 17,391,000 |
| Interest expense | 570,000 | 1,208,000 | 1,988,000 | 2,863,000 |
| Net interest income | 3,608,000 | 7,227,000 | 10,835,000 | 14,528,000 |
| Noninterest income | 134,000 | 265,000 | 393,000 | 519,000 |
| Noninterest expense | 1,688,000 | 3,287,000 | 4,887,000 | 6,794,000 |
| Provision for loan losses | 3,844,000 | 3,844,000 | 3,844,000 | 3,994,000 |
| Pretax income | -1,790,000 | 361,000 | 2,497,000 | 4,259,000 |
| Income tax | 103,000 | 7,000 | 495,000 | 841,000 |
| Net income | -1,893,000 | 354,000 | 2,002,000 | 3,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,222,000 | 40,469,000 | 42,117,000 | 43,533,000 |
| Total capital | 36,936,000 | 44,136,000 | 45,818,000 | 47,210,000 |
| Risk-weighted assets | 296,149,000 | 292,369,000 | 295,173,000 | 293,070,000 |