Call reports 2023
UNITED COMMUNITY BANK OF NORTH DAKOTA — 2023
What UNITED COMMUNITY BANK OF NORTH DAKOTA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 |
|---|---|---|---|
| Total assets | 371,945,000 | 375,000,000 | 384,944,000 |
| Total loans | 267,456,000 | 294,144,000 | 306,314,000 |
| Allowance for loan losses | 4,448,000 | 4,405,000 | 4,412,000 |
| Securities available for sale | 61,313,000 | 60,766,000 | 53,970,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 337,739,000 | 324,171,000 | 322,733,000 |
| Interest-bearing deposits | 254,876,000 | 245,380,000 | 244,139,000 |
| Noninterest-bearing deposits | 82,863,000 | 78,791,000 | 78,594,000 |
| Equity capital | 33,380,000 | 30,560,000 | 30,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 |
|---|---|---|---|
| Interest income | 4,052,000 | 8,373,000 | 13,352,000 |
| Interest expense | 704,000 | 1,560,000 | 2,813,000 |
| Net interest income | 3,348,000 | 6,813,000 | 10,539,000 |
| Noninterest income | 277,000 | 530,000 | 532,000 |
| Noninterest expense | 1,891,000 | 3,867,000 | 6,119,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 1,734,000 | 3,476,000 | 4,952,000 |
| Income tax | 378,000 | 751,000 | 1,107,000 |
| Net income | 1,356,000 | 2,725,000 | 3,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 |
|---|---|---|---|
| Tier 1 capital | 37,348,000 | 34,700,000 | 35,821,000 |
| Total capital | 41,061,000 | 38,633,000 | 39,924,000 |
| Risk-weighted assets | 296,207,000 | 314,041,000 | 327,855,000 |