United Bank of El Paso del Norte in El Paso, Texas (TX)
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| United Bank of El Paso del Norte | |
|---|---|
| General | FDIC Certificate #: 57119 Status: Active Federal Reserve ID: 2942823 Date Established: May 01, 2001 WWW: http://www.unitedelpaso.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Domestic: 3, Interstate: No) FDIC's unique #: 358011 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: May 01, 2001 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012 |
| Location | Address: 125 Mesa Hills Drive, El Paso, TX 79912 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) |
| History of Changes | Merge BIF and SAIF Funds into DIF |
| Financial Summary | Total assets: $174.8 mil Equity capital: $16.1 mil Deposits held in domestic offices: $134.8 mil Return on assets (ROA): 0.75% ($1.3 mil) Quarterly return on assets: 1.04% ($1.8 mil) Return on Equity (ROE): 8.17% ($1.3 mil) Quarterly return on equity: 11.33% ($1.8 mil) Net income: $1.2 mil Quarterly Net income: $0.5 mil Pretax return on assets: 1.04% ($1,818.1 mil) Quarterly Pretax return on assets: 1.40% ($2,447.4 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 39 |
| Total assets | $174,817 |
| Cash and due from depository institutions | $3,732 |
| Interest-bearing balances | $1,165 |
| Securities | $66,597 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $94,812 |
| Loan loss allowance | $1,376 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $6,047 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $3,629 |
| Life insurance assets | $174,817 |
| Total liabilities and capital | $158,758 |
| Total liabilities | $134,791 |
| Total deposits | $98,961 |
| Interest-bearing deposits | $134,791 |
| Deposits held in domestic offices | $77 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $22,825 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,142 |
| All other liabilities | $16,059 |
| Total equity capital | $16,059 |
| Total bank equity capital | $16,059 |
| Perpetual preferred stock | $0 |
| Common stock | $6,186 |
| Surplus | $6,030 |
| Undivided profits | $3,843 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $241 |
| Earning assets | $212 |
| Long-term assets (5+ years) | $680 |
| Average Assets, year-to-date | $162,574 |
| Average Assets, quarterly | $68,312 |
| Volatile liabilities | $162,670 |
| Insider loans | $173,758 |
| FHLB advances | $97,333 |
| Loans and leases held for sale | $173,983 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $14,192 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $15,269 |
| Derivatives | $1,770 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $7,610 |
| Total interest expense | $1,592 |
| Net interest income | $6,018 |
| Provision for loan and lease losses | $347 |
| Total noninterest income | $377 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $358 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $19 |
| Total noninterest expense | $4,500 |
| Salaries and employee benefits | $2,561 |
| Premises and equipment expense | $553 |
| Additional noninterest expense | $1,386 |
| Pre-tax net operating income | $1,548 |
| Securities gains (losses) | $143 |
| Applicable income taxes | $473 |
| Income before extraordinary items | $1,218 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,218 |
| Net charge-offs | $0 |
| Cash dividends | $1,218 |
| Sale, conversion, retirement of capital stock, net | $136 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.00% |
| Cost of funding earning assets | 1.05% |
| Net interest margin | 3.95% |
| Noninterest income to earning assets | 0.25% |
| Noninterest expense to earning assets | 2.95% |
| Net operating income to assets | 0.69% |
| Return on assets (ROA) | 0.75% |
| Pretax return on assets | 1.04% |
| Return on equity (ROE) | 8.17% |
| Retained earnings to average equity (YTD only) | 8.17% |
| Net charge-offs to loans | 0.15% |
| Credit loss provision to net charge-offs | 255.15% |
| Efficiency ratio | 13.93% |
| Assets per employee | $70,367 |
| Cash dividends to net income (YTD only) | 4.48% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 1.43% |
| Noncurrent assets plus other real estate owned to assets | 570.95% |
| Noncurrent loans to loans | 0.14% |
| Net loans and leases to deposits | 0.25% |
| Net loans and leases to core deposits | 70.34% |
| Equity capital to assets | 80.17% |
| Core capital (leverage) ratio | 9.19% |
| Tier 1 risk-based capital ratio | 8.16% |
| Total risk-based capital ratio | 14.58% |
| Memoranda | |
| Average assets | $16 |
| Average earning assets | $162,670 |
| Average equity | $14,907 |
| Average loans | $152,305 |
| 3 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 358011 | United Bank Of El Paso Del Norte | 125 Mesa Hills Drive, El Paso, TX 79912 | May 01, 2001 | Full Service Brick and Mortar |  |
| 1 | 359816 | Gateway West Branch | 9601 Gateway West, El Paso, TX 79925 | May 01, 2001 | Full Service Brick and Mortar |  |
| 2 | 470015 | Zaragoza Branch | 1726 North Zaragoza Road, El Paso, TX 79936 | November 26, 2007 | Full Service Brick and Mortar | |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.