Call reports 2016
UNITED BANK OF EL PASO DEL NORTE — 2016
What UNITED BANK OF EL PASO DEL NORTE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 216,535,000 | 214,777,000 | 214,709,000 | 216,777,000 |
| Total loans | 163,452,000 | 157,601,000 | 161,054,000 | 169,025,000 |
| Allowance for loan losses | 1,718,000 | 1,694,000 | 1,755,000 | 1,968,000 |
| Securities available for sale | 26,201,000 | 25,571,000 | 23,939,000 | 21,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,907,000 | 174,820,000 | 175,416,000 | 174,307,000 |
| Interest-bearing deposits | 115,338,000 | 112,227,000 | 110,553,000 | 107,245,000 |
| Noninterest-bearing deposits | 60,569,000 | 62,593,000 | 64,863,000 | 67,062,000 |
| Equity capital | 20,970,000 | 21,544,000 | 21,961,000 | 21,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,493,000 | 5,015,000 | 7,439,000 | 9,914,000 |
| Interest expense | 236,000 | 466,000 | 689,000 | 897,000 |
| Net interest income | 2,257,000 | 4,549,000 | 6,750,000 | 9,017,000 |
| Noninterest income | 228,000 | 411,000 | 607,000 | 788,000 |
| Noninterest expense | 1,656,000 | 3,343,000 | 4,957,000 | 6,659,000 |
| Provision for loan losses | 180,000 | 360,000 | 420,000 | 600,000 |
| Pretax income | 649,000 | 1,257,000 | 1,980,000 | 2,507,000 |
| Income tax | 159,000 | 307,000 | 541,000 | 638,000 |
| Net income | 490,000 | 950,000 | 1,439,000 | 1,869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,582,000 | 21,043,000 | 21,531,000 | 21,962,000 |
| Total capital | 22,300,000 | 22,737,000 | 23,286,000 | 23,929,000 |
| Risk-weighted assets | 191,775,000 | 185,679,000 | 186,587,000 | 196,149,000 |