Call reports 2007
BANK OF DUDLEY — 2007
What BANK OF DUDLEY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 165,645,000 | 164,957,000 | 166,223,000 | 172,019,000 |
| Total loans | 109,440,000 | 116,127,000 | 117,669,000 | 114,103,000 |
| Allowance for loan losses | 1,529,000 | 1,523,000 | 1,525,000 | 1,484,000 |
| Securities available for sale | 32,422,000 | 32,478,000 | 29,623,000 | 34,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,388,000 | 147,611,000 | 148,102,000 | 153,481,000 |
| Interest-bearing deposits | 123,441,000 | 121,708,000 | 123,395,000 | 129,509,000 |
| Noninterest-bearing deposits | 24,948,000 | 25,903,000 | 24,707,000 | 23,972,000 |
| Equity capital | 16,593,000 | 16,805,000 | 17,566,000 | 18,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,863,000 | 5,869,000 | 8,899,000 | 11,921,000 |
| Interest expense | 1,142,000 | 2,315,000 | 3,501,000 | 4,659,000 |
| Net interest income | 1,721,000 | 3,554,000 | 5,398,000 | 7,262,000 |
| Noninterest income | 234,000 | 546,000 | 958,000 | 1,374,000 |
| Noninterest expense | 1,255,000 | 2,598,000 | 3,952,000 | 5,397,000 |
| Provision for loan losses | 25,000 | 73,000 | 121,000 | 166,000 |
| Pretax income | 675,000 | 1,429,000 | 2,283,000 | 3,074,000 |
| Income tax | 188,000 | 399,000 | 633,000 | 831,000 |
| Net income | 487,000 | 1,030,000 | 1,650,000 | 2,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,402,000 | 16,714,000 | 17,653,000 | 18,042,000 |
| Total capital | 17,892,000 | 18,237,000 | 19,178,000 | 19,526,000 |
| Risk-weighted assets | 120,763,000 | 124,561,000 | 125,897,000 | 123,698,000 |
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