United Community Bank of North Dakota in city_name, state_name

United Community Bank of North Dakota in Leeds, North Dakota (ND)
Show street view No street view available for this location

United Community Bank of North Dakota routing number info

United Community Bank of North Dakota - Overview

General
FDIC Certificate #: 10249
Status: Active
Federal Reserve ID: 680055
Bank Holding Company (Regulatory Top Holder): Leeds Holding Company (RSSDID: 1124088, Location: Leeds, ND)
Date Established: January 01, 1912
WWW: http://www.ucbnd.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 6570
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 105 Central Avenue South, Leeds, ND 58346
County: Benson
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Grand Forks
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $236.0 mil
Equity capital: $20.6 mil
Deposits held in domestic offices: $210.3 mil
Return on assets (ROA): 2.31% ($5.5 mil)
Quarterly return on assets: 2.05% ($4.8 mil)
Return on Equity (ROE): 27.48% ($5.8 mil)
Quarterly return on equity: 23.56% ($4.9 mil)
Net income: $5.0 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 2.45% ($5,781.5 mil)
Quarterly Pretax return on assets: 2.15% ($5,073.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
37Total employees (full-time equivalent)
$235,981Total assets
$11,149Cash and due from depository institutions
$144Interest-bearing balances
$45,730Securities
$10,000Federal funds sold & reverse repurchase agreements
$159,520Net loans & leases
$1,785Loan loss allowance
$0Trading account assets
$4,311Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$235,981Life insurance assets
$5,271All other assets
$215,394Total liabilities and capital
$210,333Total liabilities
$167,568Total deposits
$210,333Interest-bearing deposits
$87Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,000Trading liabilities
$0Other borrowed funds
$2,061Subordinated debt
$20,587All other liabilities
$20,587Total equity capital
$20,587Total bank equity capital
$0Perpetual preferred stock
$800Common stock
$7,256Surplus
$12,531Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2Income earned, not collected on loans
$0Earning assets
$2,457Long-term assets (5+ years)
$215,394Average Assets, year-to-date
$57,618Average Assets, quarterly
$215,802Volatile liabilities
$231,269Insider loans
$172,209FHLB advances
$236,848Loans and leases held for sale
$1,614Unused loan commitments
$1,614Tier 1 (core) risk-based capital
$19,177Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$28,312Restructured Loans and leases
$590Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,048Total interest income
$1,637Total interest expense
$10,411Net interest income
$540Provision for loan and lease losses
$599Total noninterest income
$0Fiduciary activities
$345Service charges on deposit accounts
$0Trading account gains & fees
$254Additional noninterest income
$5,318Total noninterest expense
$3,185Salaries and employee benefits
$447Premises and equipment expense
$1,686Additional noninterest expense
$5,152Pre-tax net operating income
$145Securities gains (losses)
$312Applicable income taxes
$4,985Income before extraordinary items
$0Extraordinary gains - net
$4,985Net income attributable to bank
$0Net charge-offs
$4,985Cash dividends
$461Sale, conversion, retirement of capital stock, net
$2,265Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.12%Yield on earning assets
0.83%Cost of funding earning assets
5.29%Net interest margin
0.30%Noninterest income to earning assets
2.70%Noninterest expense to earning assets
2.25%Net operating income to assets
2.31%Return on assets (ROA)
2.45%Pretax return on assets
27.48%Return on equity (ROE)
15.00%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
117.14%Credit loss provision to net charge-offs
12.35%Efficiency ratio
48,302Assets per employee
6.38%Cash dividends to net income (YTD only)
Condition Ratios (%)
45.44%Loss allowance to loans
1.11%Loss allowance to noncurrent loans
89250.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
75.84%Net loans and leases to core deposits
79.72%Equity capital to assets
8.72%Core capital (leverage) ratio
8.10%Tier 1 risk-based capital ratio
11.14%Total risk-based capital ratio
Memoranda
$12Average assets
$215,802Average earning assets
$18,139Average equity
$196,771Average loans

List of branches

4 North Dakota Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6570	United Community Bank Of North Dakot	105 Central Avenue South, Leeds, ND 58346	January 01, 1912	Full Service Brick and Mortar
2	2554	Burlington Branch	Johnson Street South, Burlington, ND 58722	January 01, 1906	Full Service Brick and Mortar
4	202148	Drake Branch	120 Main Street, Drake, ND 58736	October 01, 1994	Full Service Brick and Mortar
5	222038	Minot Branch	925 20th Avenue Southwest, Minot, ND 58702	January 27, 1997	Full Service Brick and Mortar

United Community Bank of North Dakota in Leeds, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches

United Community Bank of North Dakota - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

United Community Bank of North Dakota in Leeds, North Dakota (ND)Overview, Financial Summary, Detailed Financial Reports, Branches

United Community Bank of North Dakota - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

United Community Bank of North Dakota in Leeds, North Dakota (ND)
Overview, Financial Summary, Detailed Financial Reports, Branches