Call reports 2019
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2019
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 372,222,000 | 357,997,000 | 351,750,000 | 355,756,000 |
| Total loans | 260,129,000 | 278,791,000 | 279,422,000 | 263,250,000 |
| Allowance for loan losses | 4,824,000 | 4,813,000 | 3,381,000 | 3,834,000 |
| Securities available for sale | 49,109,000 | 49,622,000 | 42,052,000 | 42,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,472,000 | 312,883,000 | 309,966,000 | 312,992,000 |
| Interest-bearing deposits | 238,021,000 | 255,407,000 | 247,457,000 | 220,000,000 |
| Noninterest-bearing deposits | 90,451,000 | 57,476,000 | 62,509,000 | 92,992,000 |
| Equity capital | 41,909,000 | 43,712,000 | 41,013,000 | 41,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,400,000 | 8,920,000 | 13,492,000 | 17,798,000 |
| Interest expense | 986,000 | 1,939,000 | 2,861,000 | 3,709,000 |
| Net interest income | 3,414,000 | 6,981,000 | 10,631,000 | 14,089,000 |
| Noninterest income | 122,000 | 254,000 | 364,000 | 495,000 |
| Noninterest expense | 1,701,000 | 3,387,000 | 5,240,000 | 6,912,000 |
| Provision for loan losses | 0 | 0 | 2,995,000 | 3,544,000 |
| Pretax income | 1,835,000 | 3,848,000 | 2,760,000 | 4,515,000 |
| Income tax | 402,000 | 873,000 | 562,000 | 931,000 |
| Net income | 1,433,000 | 2,975,000 | 2,198,000 | 3,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,565,000 | 43,109,000 | 40,198,000 | 41,585,000 |
| Total capital | 45,035,000 | 46,726,000 | 43,579,000 | 45,119,000 |
| Risk-weighted assets | 276,284,000 | 288,179,000 | 291,011,000 | 282,458,000 |