Bank of Dudley in city_name, state_name - Detailed Financial Reports, Location

Bank of Dudley in Dudley, Georgia (GA)
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Bank of Dudley routing number info

Bank of Dudley - Overview

General
FDIC Certificate #: 9068
Status: Active
Federal Reserve ID: 546535
Bank Holding Company (Regulatory Top Holder): Hogan Investments I, Inc. (RSSDID: 2631435, Location: Forsyth, GA)
Date Established: November 01, 1905
WWW: http://www.bankofdudley.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 13957
FDIC's unique #: 5804
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 1448 Second Street, Dudley, GA 31022
County: Laurens
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Savannah
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Dublin, GA (#20140)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $178.5 mil
Equity capital: $19.2 mil
Deposits held in domestic offices: $159.2 mil
Return on assets (ROA): 0.47% ($0.8 mil)
Quarterly return on assets: 0.63% ($1.1 mil)
Return on Equity (ROE): 4.80% ($0.9 mil)
Quarterly return on equity: 5.89% ($1.1 mil)
Net income: $0.9 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.58% ($1,035.4 mil)
Quarterly Pretax return on assets: 0.68% ($1,213.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
64Total employees (full-time equivalent)
$178,519Total assets
$28,638Cash and due from depository institutions
$23,317Interest-bearing balances
$29,229Securities
$0Federal funds sold & reverse repurchase agreements
$114,504Net loans & leases
$1,414Loan loss allowance
$0Trading account assets
$2,746Bank premises and fixed assets
$1,016Other real estate owned
$0Goodwill and other intangibles
$178,519Life insurance assets
$2,386All other assets
$159,274Total liabilities and capital
$159,151Total liabilities
$132,918Total deposits
$159,151Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$123Subordinated debt
$19,245All other liabilities
$19,245Total equity capital
$19,245Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$9,850Surplus
$9,245Undivided profits
Memoranda
$0Noncurrent loans and leases
$110Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,560Income earned, not collected on loans
$0Earning assets
$819Long-term assets (5+ years)
$167,050Average Assets, year-to-date
$26,752Average Assets, quarterly
$187,318Volatile liabilities
$179,312Insider loans
$107,701FHLB advances
$177,249Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$18,976Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$12,584Restructured Loans and leases
$6,851Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,131Total interest income
$1,387Total interest expense
$6,744Net interest income
$1,061Provision for loan and lease losses
$1,253Total noninterest income
$0Fiduciary activities
$762Service charges on deposit accounts
$0Trading account gains & fees
$491Additional noninterest income
$5,965Total noninterest expense
$3,415Salaries and employee benefits
$738Premises and equipment expense
$1,812Additional noninterest expense
$971Pre-tax net operating income
$108Securities gains (losses)
$191Applicable income taxes
$888Income before extraordinary items
$0Extraordinary gains - net
$888Net income attributable to bank
$0Net charge-offs
$888Cash dividends
$1,183Sale, conversion, retirement of capital stock, net
$153Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.65%Yield on earning assets
0.79%Cost of funding earning assets
3.85%Net interest margin
0.72%Noninterest income to earning assets
3.41%Noninterest expense to earning assets
0.43%Net operating income to assets
0.47%Return on assets (ROA)
0.58%Pretax return on assets
4.80%Return on equity (ROE)
3.98%Retained earnings to average equity (YTD only)
0.99%Net charge-offs to loans
89.69%Credit loss provision to net charge-offs
1.72%Efficiency ratio
74,590Assets per employee
2.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
17.23%Loss allowance to loans
1.22%Loss allowance to noncurrent loans
39.72%Noncurrent assets plus other real estate owned to assets
2.56%Noncurrent loans to loans
3.07%Net loans and leases to deposits
71.95%Net loans and leases to core deposits
76.60%Equity capital to assets
10.78%Core capital (leverage) ratio
10.71%Tier 1 risk-based capital ratio
17.62%Total risk-based capital ratio
Memoranda
$19Average assets
$187,318Average earning assets
$18,490Average equity
$174,997Average loans

List of branches

4 Georgia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5804	Bank Of Dudley	1448 Second Street, Dudley, GA 31022	November 01, 1905	Full Service Brick and Mortar
2	219372	Dublin Branch	202 West Jackson Street, Dublin, GA 31021	December 18, 1987	Full Service Brick and Mortar
3	219373	Veterans Boulevard Branch	1650 Veterans Boulevard, Dublin, GA 31021	Febuary 01, 1995	Full Service Brick and Mortar
4	219374	Savannah Avenue Branch	101 Savannah Avenue, East Dublin, GA 31027	December 01, 1997	Full Service Brick and Mortar

Bank of Dudley in Dudley, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Dudley - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Dudley in Dudley, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Dudley - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Dudley in Dudley, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches