Call reports 2008
BANK OF DUDLEY — 2008
What BANK OF DUDLEY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 172,278,000 | 169,659,000 | 167,682,000 | 165,639,000 |
| Total loans | 115,077,000 | 117,053,000 | 116,457,000 | 119,101,000 |
| Allowance for loan losses | 1,487,000 | 1,485,000 | 1,509,000 | 1,663,000 |
| Securities available for sale | 38,481,000 | 37,832,000 | 33,895,000 | 27,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,946,000 | 150,611,000 | 148,188,000 | 146,208,000 |
| Interest-bearing deposits | 126,933,000 | 124,303,000 | 125,129,000 | 122,912,000 |
| Noninterest-bearing deposits | 26,013,000 | 26,308,000 | 23,059,000 | 23,296,000 |
| Equity capital | 18,708,000 | 18,598,000 | 19,038,000 | 19,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,793,000 | 5,383,000 | 7,846,000 | 10,115,000 |
| Interest expense | 1,094,000 | 1,987,000 | 2,808,000 | 3,579,000 |
| Net interest income | 1,699,000 | 3,396,000 | 5,038,000 | 6,536,000 |
| Noninterest income | 441,000 | 874,000 | 1,306,000 | 1,730,000 |
| Noninterest expense | 1,417,000 | 2,854,000 | 4,362,000 | 5,869,000 |
| Provision for loan losses | 25,000 | 67,000 | 104,000 | 340,000 |
| Pretax income | 698,000 | 1,349,000 | 1,860,000 | 2,142,000 |
| Income tax | 175,000 | 355,000 | 485,000 | 501,000 |
| Net income | 523,000 | 994,000 | 1,375,000 | 1,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,413,000 | 18,735,000 | 18,966,000 | 19,083,000 |
| Total capital | 19,900,000 | 20,220,000 | 20,475,000 | 20,627,000 |
| Risk-weighted assets | 124,179,000 | 125,393,000 | 124,194,000 | 124,079,000 |
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