Call reports 2025
BANK OF DUDLEY — 2025
What BANK OF DUDLEY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 454,940,000 | 459,369,000 | 496,081,000 | 502,381,000 |
| Total loans | 296,371,000 | 314,083,000 | 321,970,000 | 341,553,000 |
| Allowance for loan losses | 3,809,000 | 4,083,000 | 4,229,000 | 4,441,000 |
| Securities available for sale | 38,111,000 | 38,328,000 | 36,042,000 | 38,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,626,000 | 412,830,000 | 448,531,000 | 453,107,000 |
| Interest-bearing deposits | 316,169,000 | 320,459,000 | 340,252,000 | 359,098,000 |
| Noninterest-bearing deposits | 94,457,000 | 92,371,000 | 108,279,000 | 94,009,000 |
| Equity capital | 42,623,000 | 44,214,000 | 45,286,000 | 46,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,329,000 | 13,195,000 | 19,970,000 | 27,696,000 |
| Interest expense | 1,761,000 | 3,563,000 | 5,447,000 | 7,649,000 |
| Net interest income | 4,568,000 | 9,632,000 | 14,523,000 | 20,047,000 |
| Noninterest income | 642,000 | 1,259,000 | 1,847,000 | 2,404,000 |
| Noninterest expense | 3,178,000 | 6,654,000 | 10,056,000 | 14,119,000 |
| Provision for loan losses | 166,000 | 406,000 | 549,000 | 767,000 |
| Pretax income | 1,890,000 | 3,815,000 | 5,749,000 | 7,540,000 |
| Income tax | 435,000 | 877,000 | 1,322,000 | 1,651,000 |
| Net income | 1,455,000 | 2,938,000 | 4,427,000 | 5,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,482,000 | 45,965,000 | 46,654,000 | 48,116,000 |