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

  • United Bank of El Paso del Norte in El Paso, Texas (TX)
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United Bank of El Paso del Norte - Overview

  • 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)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 39Total employees (full-time equivalent)
  • $174,817Total assets
  • $3,732Cash and due from depository institutions
  • $1,165Interest-bearing balances
  • $66,597Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $94,812Net loans & leases
  • $1,376Loan loss allowance
  • $0Trading account assets
  • $6,047Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $174,817Life insurance assets
  • $3,629All other assets
  • $158,758Total liabilities and capital
  • $134,791Total liabilities
  • $98,961Total deposits
  • $134,791Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,825Trading liabilities
  • $0Other borrowed funds
  • $1,142Subordinated debt
  • $16,059All other liabilities
  • $16,059Total equity capital
  • $16,059Total bank equity capital
  • $0Perpetual preferred stock
  • $6,186Common stock
  • $6,030Surplus
  • $3,843Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $241Income earned, not collected on loans
  • $212Earning assets
  • $680Long-term assets (5+ years)
  • $162,574Average Assets, year-to-date
  • $68,312Average Assets, quarterly
  • $162,670Volatile liabilities
  • $173,758Insider loans
  • $97,333FHLB advances
  • $173,983Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,192Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,269Restructured Loans and leases
  • $1,770Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,610Total interest income
  • $1,592Total interest expense
  • $6,018Net interest income
  • $347Provision for loan and lease losses
  • $377Total noninterest income
  • $0Fiduciary activities
  • $358Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19Additional noninterest income
  • $4,500Total noninterest expense
  • $2,561Salaries and employee benefits
  • $553Premises and equipment expense
  • $1,386Additional noninterest expense
  • $1,548Pre-tax net operating income
  • $143Securities gains (losses)
  • $473Applicable income taxes
  • $1,218Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,218Net income attributable to bank
  • $0Net charge-offs
  • $1,218Cash dividends
  • $136Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 8.17%Return on equity (ROE)
  • 8.17%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 255.15%Credit loss provision to net charge-offs
  • 13.93%Efficiency ratio
  • 70,367Assets per employee
  • 4.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 570.95%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 70.34%Net loans and leases to core deposits
  • 80.17%Equity capital to assets
  • 9.19%Core capital (leverage) ratio
  • 8.16%Tier 1 risk-based capital ratio
  • 14.58%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $162,670Average earning assets
  • $14,907Average equity
  • $152,305Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0358011United Bank Of El Paso Del Norte125 Mesa Hills Drive, El Paso, TX 79912May 01, 2001Full Service Brick and Mortar
    1359816Gateway West Branch9601 Gateway West, El Paso, TX 79925May 01, 2001Full Service Brick and Mortar
    2470015Zaragoza Branch1726 North Zaragoza Road, El Paso, TX 79936November 26, 2007Full Service Brick and Mortar

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