Call reports 2015
UNITED BANK OF EL PASO DEL NORTE — 2015
What UNITED BANK OF EL PASO DEL NORTE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 211,592,000 | 208,449,000 | 210,991,000 | 214,567,000 |
| Total loans | 150,967,000 | 153,435,000 | 156,573,000 | 160,487,000 |
| Allowance for loan losses | 1,824,000 | 2,059,000 | 1,609,000 | 1,677,000 |
| Securities available for sale | 37,004,000 | 34,165,000 | 33,282,000 | 27,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,775,000 | 170,926,000 | 169,966,000 | 167,129,000 |
| Interest-bearing deposits | 113,865,000 | 113,131,000 | 113,470,000 | 112,749,000 |
| Noninterest-bearing deposits | 54,910,000 | 57,795,000 | 56,496,000 | 54,380,000 |
| Equity capital | 18,962,000 | 19,280,000 | 19,859,000 | 20,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,273,000 | 4,696,000 | 7,116,000 | 9,542,000 |
| Interest expense | 214,000 | 439,000 | 663,000 | 884,000 |
| Net interest income | 2,059,000 | 4,257,000 | 6,453,000 | 8,658,000 |
| Noninterest income | 137,000 | 297,000 | 444,000 | 618,000 |
| Noninterest expense | 1,499,000 | 3,067,000 | 4,574,000 | 6,047,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 860,000 | 1,583,000 | 2,269,000 | 3,139,000 |
| Income tax | 285,000 | 503,000 | 684,000 | 883,000 |
| Net income | 575,000 | 1,080,000 | 1,585,000 | 2,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,461,000 | 18,965,000 | 19,471,000 | 20,141,000 |
| Total capital | 20,285,000 | 21,024,000 | 21,080,000 | 21,818,000 |
| Risk-weighted assets | 166,115,000 | 167,634,000 | 178,324,000 | 188,065,000 |