Call reports 2004
UNITED BANK OF EL PASO DEL NORTE — 2004
What UNITED BANK OF EL PASO DEL NORTE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,431,000 | 45,233,000 | 48,972,000 | 54,468,000 |
| Total loans | 25,500,000 | 27,505,000 | 30,173,000 | 32,495,000 |
| Allowance for loan losses | 238,000 | 249,000 | 248,000 | 253,000 |
| Securities available for sale | 4,184,000 | 7,709,000 | 10,661,000 | 11,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,508,000 | 39,666,000 | 43,320,000 | 48,623,000 |
| Interest-bearing deposits | 25,735,000 | 25,922,000 | 30,293,000 | 32,333,000 |
| Noninterest-bearing deposits | 10,773,000 | 13,744,000 | 13,027,000 | 16,290,000 |
| Equity capital | 5,840,000 | 5,472,000 | 5,530,000 | 5,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 436,000 | 910,000 | 1,476,000 | 2,122,000 |
| Interest expense | 69,000 | 135,000 | 218,000 | 326,000 |
| Net interest income | 367,000 | 775,000 | 1,258,000 | 1,796,000 |
| Noninterest income | 42,000 | 86,000 | 137,000 | 188,000 |
| Noninterest expense | 564,000 | 1,199,000 | 1,826,000 | 2,446,000 |
| Provision for loan losses | 0 | 11,000 | 14,000 | 19,000 |
| Pretax income | -150,000 | -344,000 | -440,000 | -476,000 |
| Income tax | 0 | 0 | 0 | -238,000 |
| Net income | -150,000 | -344,000 | -440,000 | -238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,161,000 | 3,969,000 | 3,871,000 | 3,839,000 |
| Total capital | 4,399,000 | 4,218,000 | 4,119,000 | 4,092,000 |
| Risk-weighted assets | 26,939,000 | 27,631,000 | 30,050,000 | 31,164,000 |