Call reports 2020
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2020
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 350,709,000 | 359,648,000 | 360,842,000 | 356,204,000 |
| Total loans | 254,338,000 | 297,860,000 | 292,915,000 | 285,688,000 |
| Allowance for loan losses | 3,840,000 | 3,852,000 | 3,814,000 | 4,821,000 |
| Securities available for sale | 63,398,000 | 42,106,000 | 40,690,000 | 39,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,366,000 | 319,134,000 | 317,979,000 | 321,447,000 |
| Interest-bearing deposits | 217,838,000 | 223,297,000 | 220,884,000 | 223,988,000 |
| Noninterest-bearing deposits | 95,528,000 | 95,837,000 | 97,095,000 | 97,459,000 |
| Equity capital | 36,451,000 | 38,946,000 | 35,842,000 | 33,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,048,000 | 8,924,000 | 13,061,000 | 17,057,000 |
| Interest expense | 729,000 | 1,203,000 | 1,624,000 | 1,965,000 |
| Net interest income | 3,319,000 | 7,721,000 | 11,437,000 | 15,092,000 |
| Noninterest income | 119,000 | 236,000 | 341,000 | 473,000 |
| Noninterest expense | 1,864,000 | 3,521,000 | 5,284,000 | 7,383,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,001,000 |
| Pretax income | 1,574,000 | 4,474,000 | 6,532,000 | 7,219,000 |
| Income tax | 347,000 | 1,036,000 | 1,520,000 | 1,478,000 |
| Net income | 1,227,000 | 3,438,000 | 5,012,000 | 5,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,311,000 | 38,522,000 | 35,127,000 | 33,061,000 |
| Total capital | 39,776,000 | 42,116,000 | 38,709,000 | 36,764,000 |
| Risk-weighted assets | 276,826,000 | 287,314,000 | 286,373,000 | 295,180,000 |