Call reports 2006
UNITED BANK OF EL PASO DEL NORTE — 2006
What UNITED BANK OF EL PASO DEL NORTE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 72,391,000 | 76,972,000 | 77,531,000 | 80,140,000 |
| Total loans | 48,455,000 | 49,327,000 | 52,066,000 | 55,306,000 |
| Allowance for loan losses | 418,000 | 445,000 | 487,000 | 370,000 |
| Securities available for sale | 14,126,000 | 13,523,000 | 17,751,000 | 17,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,226,000 | 69,409,000 | 67,711,000 | 70,928,000 |
| Interest-bearing deposits | 45,634,000 | 49,601,000 | 47,359,000 | 49,956,000 |
| Noninterest-bearing deposits | 20,592,000 | 19,808,000 | 20,352,000 | 20,972,000 |
| Equity capital | 5,959,000 | 7,294,000 | 7,599,000 | 7,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,142,000 | 2,396,000 | 3,756,000 | 5,227,000 |
| Interest expense | 273,000 | 605,000 | 992,000 | 1,416,000 |
| Net interest income | 869,000 | 1,791,000 | 2,764,000 | 3,811,000 |
| Noninterest income | 58,000 | 130,000 | 201,000 | 289,000 |
| Noninterest expense | 726,000 | 1,457,000 | 2,216,000 | 2,986,000 |
| Provision for loan losses | 70,000 | 100,000 | 140,000 | 200,000 |
| Pretax income | 131,000 | 364,000 | 609,000 | 914,000 |
| Income tax | 37,000 | 125,000 | 222,000 | 339,000 |
| Net income | 94,000 | 239,000 | 387,000 | 575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,633,000 | 6,108,000 | 6,592,000 | 7,117,000 |
| Total capital | 5,051,000 | 6,554,000 | 7,078,000 | 7,487,000 |
| Risk-weighted assets | 46,022,000 | 47,979,000 | 50,737,000 | 52,982,000 |