The Bank of El Paso in El Paso, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 22, 1996

The Bank of El Paso in El Paso, Texas (TX)
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The Bank of El Paso - Overview

General
FDIC Certificate #: 22091
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First National Bank (#3191)
Federal Reserve ID: 605151
Date Established: August 15, 1975
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
FDIC's unique #: 15341
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: August 15, 1975
Last Structure Change Effective Date: January 22, 1996
Last Structure Change Process Date: Febuary 09, 1996
Last Data Update: Febuary 09, 1996
Data Source Date: April 05, 2012
Location
Address: 7400 Viscount, El Paso, TX 79926
County: El Paso
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Albuquerque
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): El Paso, TX (#2320)
Core Based Statistical Area (CBSA): El Paso, TX (#21340)
CBSA Metro Statistical Area: El Paso, TX (#21340)
Financial Summary
Total assets: $32.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$20Total assets
$32,647Cash and due from depository institutions
$2,279Interest-bearing balances
$100Securities
$9,542Federal funds sold & reverse repurchase agreements
$2,400Net loans & leases
$14,852Loan loss allowance
$413Trading account assets
$0Bank premises and fixed assets
$2,011Other real estate owned
$128Goodwill and other intangibles
$1,435Life insurance assets
$0All other assets
$0Total liabilities and capital
$32,647Total liabilities
$29,426Total deposits
$29,199Interest-bearing deposits
$17,452Deposits held in domestic offices
29199.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$227Total equity capital
$227Total bank equity capital
$3,221Perpetual preferred stock
$0Common stock
$1,650Surplus
$2,560Undivided profits
Memoranda
$-989Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$578Income earned, not collected on loans
$122Earning assets
$26,894Long-term assets (5+ years)
$4,024Average Assets, year-to-date
$33,037Average Assets, quarterly
$32,442Volatile liabilities
$3,289Insider loans
$298FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$2,255Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,552Total risk weighted assets
$19,148Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$2,478Total interest expense
$647Net interest income
$1,831Provision for loan and lease losses
$60Total noninterest income
$603Fiduciary activities
$0Service charges on deposit accounts
$377Trading account gains & fees
$0Additional noninterest income
$226Total noninterest expense
$1,908Salaries and employee benefits
$855Premises and equipment expense
$154Additional noninterest expense
$899Pre-tax net operating income
$466Securities gains (losses)
-$3Applicable income taxes
$157Income before extraordinary items
$306Extraordinary gains - net
$0Net income attributable to bank
$306Net charge-offs
$106Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.31%Cost of funding earning assets
2.43%Net interest margin
6.88%Noninterest income to earning assets
2.27%Noninterest expense to earning assets
7.17%Net operating income to assets
0.93%Return on assets (ROA)
0.93%Pretax return on assets
1.40%Return on equity (ROE)
9.84%Retained earnings to average equity (YTD only)
9.84%Net charge-offs to loans
0.66%Credit loss provision to net charge-offs
56.60%Efficiency ratio
78,389Assets per employee
1.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.71%Loss allowance to noncurrent loans
71.45%Noncurrent assets plus other real estate owned to assets
2.16%Noncurrent loans to loans
3.79%Net loans and leases to deposits
50.86%Net loans and leases to core deposits
57.32%Equity capital to assets
9.87%Core capital (leverage) ratio
8.09%Tier 1 risk-based capital ratio
13.33%Total risk-based capital ratio
Memoranda
$15Average assets
$33,037Average earning assets
$3,109Average equity
$26,604Average loans

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