Call reports 2008
UNITED BANK OF EL PASO DEL NORTE — 2008
What UNITED BANK OF EL PASO DEL NORTE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 103,464,000 | 106,971,000 | 113,988,000 | 133,663,000 |
| Total loans | 59,521,000 | 61,864,000 | 67,848,000 | 74,138,000 |
| Allowance for loan losses | 458,000 | 441,000 | 464,000 | 575,000 |
| Securities available for sale | 30,856,000 | 34,178,000 | 36,017,000 | 36,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,834,000 | 95,740,000 | 95,046,000 | 111,109,000 |
| Interest-bearing deposits | 67,354,000 | 68,357,000 | 66,150,000 | 84,895,000 |
| Noninterest-bearing deposits | 26,480,000 | 27,383,000 | 28,896,000 | 26,214,000 |
| Equity capital | 9,225,000 | 10,733,000 | 11,459,000 | 12,116,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,604,000 | 3,135,000 | 4,784,000 | 6,431,000 |
| Interest expense | 500,000 | 918,000 | 1,350,000 | 1,750,000 |
| Net interest income | 1,104,000 | 2,217,000 | 3,434,000 | 4,681,000 |
| Noninterest income | 76,000 | 183,000 | 297,000 | 378,000 |
| Noninterest expense | 957,000 | 1,906,000 | 2,897,000 | 3,878,000 |
| Provision for loan losses | 35,000 | 35,000 | 88,000 | 218,000 |
| Pretax income | 198,000 | 469,000 | 756,000 | 997,000 |
| Income tax | 77,000 | 182,000 | 294,000 | 388,000 |
| Net income | 121,000 | 287,000 | 462,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,248,000 | 10,109,000 | 11,264,000 | 11,315,000 |
| Total capital | 8,706,000 | 10,549,000 | 11,728,000 | 11,889,000 |
| Risk-weighted assets | 60,639,000 | 64,018,000 | 66,417,000 | 73,432,000 |