Call reports 2021
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2021
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 374,219,000 | 358,772,000 | 362,294,000 | 386,989,000 |
| Total loans | 288,117,000 | 284,533,000 | 279,513,000 | 276,959,000 |
| Allowance for loan losses | 5,506,000 | 5,516,000 | 5,524,000 | 4,686,000 |
| Securities available for sale | 44,526,000 | 43,475,000 | 42,224,000 | 43,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,692,000 | 323,049,000 | 326,013,000 | 351,907,000 |
| Interest-bearing deposits | 264,992,000 | 252,908,000 | 249,304,000 | 268,801,000 |
| Noninterest-bearing deposits | 72,700,000 | 70,141,000 | 76,709,000 | 83,106,000 |
| Equity capital | 35,327,000 | 35,472,000 | 35,894,000 | 34,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,781,000 | 8,851,000 | 12,624,000 | 16,075,000 |
| Interest expense | 273,000 | 519,000 | 746,000 | 961,000 |
| Net interest income | 4,508,000 | 8,332,000 | 11,878,000 | 15,114,000 |
| Noninterest income | 99,000 | 205,000 | 299,000 | 396,000 |
| Noninterest expense | 1,801,000 | 3,589,000 | 5,316,000 | 8,049,000 |
| Provision for loan losses | 700,000 | 700,000 | 700,000 | 865,000 |
| Pretax income | 2,106,000 | 4,248,000 | 6,161,000 | 6,596,000 |
| Income tax | 483,000 | 984,000 | 1,429,000 | 1,402,000 |
| Net income | 1,623,000 | 3,264,000 | 4,732,000 | 5,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,683,000 | 34,563,000 | 34,995,000 | 34,148,000 |
| Total capital | 38,345,000 | 38,312,000 | 38,762,000 | 37,967,000 |
| Risk-weighted assets | 291,174,000 | 298,208,000 | 299,622,000 | 304,702,000 |