Bank of Dudley

Bank of Dudley is headquartered in Dudley and is the 98^th largest bank in the state of Georgia. It is also the 3,392^nd largest bank in the nation. It was established in 1905 and as of December of 2011, it had grown to 64 employees at 4 locations. Bank of Dudley has a 3-star health rating.

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Data for Q4 2011

Institution Statistics Bank of Dudley FDIC Certificate # 9068 BankRate Report View Year Established 1905 Employees 64 Primary Regulator FDIC Assets and Liabilities Assets $178.52 million Loans $114.50 million Deposits $159.15 million Equity Capital $19.25 million Loan Loss Allowance $1.41 million Unbacked Noncurrent Loans $3.56 million Real Estate Owned $1.02 million Historic Data - December 2010 Assets $185.78 million Equity Capital $17.63 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $5.95 million Real Estate Owned $876,000 Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 0.47% Return on Equity 4.8% Interest Income $8.13 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Dudley had $4.58 million in non-current loans and owned real-estate with $20.66 million in equity and loan loss allowances on hand to cover it. This gives Bank of Dudley a Texas Ratio of 22.15% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Dudley decreased slightly from 35.59% as of December 31, 2010 to 22.15% as of December 31, 2011, resulting in a positive change of 37.76%.This indicates that the balance sheet and financial strength for Bank of Dudley has improved slightly in recent periods. Deposit Growth In the past year, Bank of Dudley has decreased its total deposits by -$8.8 million, resulting in -5.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Dudley has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Dudley has $178.52 million in assets with $20.66 million in equity, resulting in a capitalization level of 11.57%, which is above average.

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