Call reports 2004
BANK OF DUDLEY — 2004
What BANK OF DUDLEY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 118,257,000 | 116,967,000 | 116,625,000 | 122,307,000 |
| Total loans | 84,496,000 | 83,566,000 | 80,523,000 | 84,832,000 |
| Allowance for loan losses | 1,039,000 | 1,176,000 | 1,149,000 | 1,138,000 |
| Securities available for sale | 19,717,000 | 19,375,000 | 18,775,000 | 19,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,362,000 | 106,564,000 | 105,763,000 | 111,363,000 |
| Interest-bearing deposits | 91,222,000 | 90,535,000 | 89,946,000 | 93,721,000 |
| Noninterest-bearing deposits | 16,140,000 | 16,029,000 | 15,817,000 | 17,642,000 |
| Equity capital | 10,169,000 | 9,642,000 | 10,022,000 | 10,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,543,000 | 3,276,000 | 4,815,000 | 6,477,000 |
| Interest expense | 477,000 | 947,000 | 1,432,000 | 1,928,000 |
| Net interest income | 1,066,000 | 2,329,000 | 3,383,000 | 4,549,000 |
| Noninterest income | 259,000 | 520,000 | 766,000 | 1,033,000 |
| Noninterest expense | 905,000 | 1,906,000 | 2,910,000 | 3,988,000 |
| Provision for loan losses | 38,000 | 208,000 | 252,000 | 394,000 |
| Pretax income | 382,000 | 735,000 | 987,000 | 1,201,000 |
| Income tax | 101,000 | 204,000 | 274,000 | 261,000 |
| Net income | 281,000 | 531,000 | 713,000 | 940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,905,000 | 9,536,000 | 9,821,000 | 10,006,000 |
| Total capital | 10,944,000 | 10,665,000 | 10,907,000 | 11,144,000 |
| Risk-weighted assets | 90,536,000 | 90,259,000 | 86,783,000 | 90,592,000 |
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