Call reports 2020
UNITED BANK OF EL PASO DEL NORTE — 2020
What UNITED BANK OF EL PASO DEL NORTE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 245,110,000 | 301,868,000 | 299,905,000 | 281,427,000 |
| Total loans | 189,380,000 | 238,651,000 | 236,446,000 | 218,917,000 |
| Allowance for loan losses | 2,602,000 | 2,903,000 | 3,243,000 | 3,723,000 |
| Securities available for sale | 17,765,000 | 22,128,000 | 22,184,000 | 23,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,108,000 | 260,052,000 | 263,497,000 | 244,983,000 |
| Interest-bearing deposits | 126,738,000 | 130,478,000 | 137,426,000 | 138,441,000 |
| Noninterest-bearing deposits | 80,370,000 | 129,574,000 | 126,071,000 | 106,542,000 |
| Equity capital | 29,774,000 | 30,554,000 | 31,474,000 | 32,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,073,000 | 6,442,000 | 9,835,000 | 13,388,000 |
| Interest expense | 304,000 | 542,000 | 709,000 | 956,000 |
| Net interest income | 2,769,000 | 5,900,000 | 9,126,000 | 12,432,000 |
| Noninterest income | 221,000 | 368,000 | 478,000 | 702,000 |
| Noninterest expense | 1,922,000 | 3,897,000 | 5,809,000 | 7,713,000 |
| Provision for loan losses | 265,000 | 565,000 | 905,000 | 1,385,000 |
| Pretax income | 803,000 | 1,927,000 | 3,011,000 | 4,157,000 |
| Income tax | 182,000 | 407,000 | 642,000 | 860,000 |
| Net income | 621,000 | 1,520,000 | 2,369,000 | 3,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,630,000 | 30,123,000 | 30,973,000 | 31,900,000 |
| Total capital | 32,232,000 | 32,963,000 | 33,777,000 | 34,677,000 |
| Risk-weighted assets | 219,913,000 | 227,147,000 | 223,860,000 | 221,240,000 |