Call reports 2022
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2022
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 408,016,000 | 391,090,000 | 383,121,000 | 379,153,000 |
| Total loans | 268,520,000 | 286,527,000 | 302,165,000 | 299,360,000 |
| Allowance for loan losses | 5,220,000 | 6,060,000 | 6,070,000 | 4,423,000 |
| Securities available for sale | 64,746,000 | 56,874,000 | 56,339,000 | 56,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,986,000 | 360,535,000 | 333,047,000 | 326,259,000 |
| Interest-bearing deposits | 284,862,000 | 268,820,000 | 232,150,000 | 243,541,000 |
| Noninterest-bearing deposits | 89,124,000 | 91,715,000 | 100,897,000 | 82,718,000 |
| Equity capital | 33,803,000 | 30,240,000 | 31,191,000 | 32,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,410,000 | 7,016,000 | 10,965,000 | 15,041,000 |
| Interest expense | 183,000 | 353,000 | 569,000 | 1,087,000 |
| Net interest income | 3,227,000 | 6,663,000 | 10,396,000 | 13,954,000 |
| Noninterest income | 102,000 | 202,000 | 493,000 | 207,000 |
| Noninterest expense | 1,783,000 | 3,616,000 | 5,500,000 | 7,638,000 |
| Provision for loan losses | 500,000 | 2,160,000 | 2,160,000 | 2,250,000 |
| Pretax income | 1,046,000 | 1,089,000 | 3,229,000 | 4,248,000 |
| Income tax | 223,000 | 193,000 | 625,000 | 880,000 |
| Net income | 823,000 | 896,000 | 2,604,000 | 3,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,971,000 | 33,905,000 | 35,614,000 | 36,377,000 |
| Total capital | 38,750,000 | 37,828,000 | 39,680,000 | 40,391,000 |
| Risk-weighted assets | 300,888,000 | 311,728,000 | 323,293,000 | 320,722,000 |