Call reports 2016
BANK OF DUDLEY — 2016
What BANK OF DUDLEY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 210,857,000 | 209,244,000 | 210,577,000 | 209,058,000 |
| Total loans | 135,974,000 | 138,330,000 | 142,079,000 | 141,050,000 |
| Allowance for loan losses | 1,758,000 | 1,787,000 | 1,875,000 | 1,826,000 |
| Securities available for sale | 31,001,000 | 31,140,000 | 31,679,000 | 34,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,272,000 | 185,156,000 | 186,639,000 | 185,461,000 |
| Interest-bearing deposits | 144,549,000 | 139,937,000 | 137,680,000 | 139,323,000 |
| Noninterest-bearing deposits | 42,723,000 | 45,219,000 | 48,959,000 | 46,139,000 |
| Equity capital | 23,072,000 | 23,272,000 | 23,240,000 | 23,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,101,000 | 4,199,000 | 6,364,000 | 8,582,000 |
| Interest expense | 124,000 | 247,000 | 372,000 | 496,000 |
| Net interest income | 1,977,000 | 3,952,000 | 5,992,000 | 8,086,000 |
| Noninterest income | 383,000 | 723,000 | 1,063,000 | 1,438,000 |
| Noninterest expense | 1,702,000 | 3,357,000 | 5,050,000 | 6,728,000 |
| Provision for loan losses | 70,000 | 160,000 | 250,000 | 340,000 |
| Pretax income | 588,000 | 1,158,000 | 1,797,000 | 2,498,000 |
| Income tax | 176,000 | 347,000 | 540,000 | 762,000 |
| Net income | 412,000 | 811,000 | 1,257,000 | 1,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,927,000 | 23,026,000 | 23,072,000 | 23,551,000 |
| Total capital | 24,586,000 | 24,728,000 | 24,808,000 | 25,286,000 |
| Risk-weighted assets | 132,650,000 | 136,089,000 | 138,739,000 | 138,738,000 |