Call reports 2014
UNITED BANK OF EL PASO DEL NORTE — 2014
What UNITED BANK OF EL PASO DEL NORTE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 191,021,000 | 197,402,000 | 198,704,000 | 206,382,000 |
| Total loans | 125,044,000 | 132,133,000 | 137,898,000 | 138,035,000 |
| Allowance for loan losses | 1,404,000 | 1,581,000 | 1,708,000 | 1,699,000 |
| Securities available for sale | 44,316,000 | 42,580,000 | 41,102,000 | 42,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,452,000 | 160,228,000 | 162,253,000 | 170,522,000 |
| Interest-bearing deposits | 107,597,000 | 105,811,000 | 104,904,000 | 111,682,000 |
| Noninterest-bearing deposits | 47,855,000 | 54,417,000 | 57,349,000 | 58,840,000 |
| Equity capital | 17,100,000 | 17,661,000 | 17,973,000 | 18,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,041,000 | 4,224,000 | 6,513,000 | 8,806,000 |
| Interest expense | 230,000 | 454,000 | 675,000 | 890,000 |
| Net interest income | 1,811,000 | 3,770,000 | 5,838,000 | 7,916,000 |
| Noninterest income | 129,000 | 263,000 | 388,000 | 534,000 |
| Noninterest expense | 1,461,000 | 3,000,000 | 4,501,000 | 5,990,000 |
| Provision for loan losses | 150,000 | 325,000 | 450,000 | 600,000 |
| Pretax income | 329,000 | 822,000 | 1,454,000 | 2,039,000 |
| Income tax | 111,000 | 254,000 | 399,000 | 568,000 |
| Net income | 218,000 | 568,000 | 1,055,000 | 1,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,632,000 | 16,984,000 | 17,470,000 | 17,885,000 |
| Total capital | 18,036,000 | 18,565,000 | 19,178,000 | 19,584,000 |
| Risk-weighted assets | 140,852,000 | 147,342,000 | 152,406,000 | 153,038,000 |