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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    05804Bank Of Dudley1448 Second Street, Dudley, GA 31022November 01, 1905Full Service Brick and Mortar
    2219372Dublin Branch202 West Jackson Street, Dublin, GA 31021December 18, 1987Full Service Brick and Mortar
    3219373Veterans Boulevard Branch1650 Veterans Boulevard, Dublin, GA 31021Febuary 01, 1995Full Service Brick and Mortar
    4219374Savannah Avenue Branch101 Savannah Avenue, East Dublin, GA 31027December 01, 1997Full Service Brick and Mortar

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