Call reports 2001
BANK OF THE JAMES — 2001
What BANK OF THE JAMES reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 55,234,000 | 59,823,000 | 71,152,000 | 75,587,000 |
| Total loans | 40,905,000 | 48,975,000 | 57,560,000 | 64,595,000 |
| Allowance for loan losses | 478,000 | 501,000 | 577,000 | 747,000 |
| Securities available for sale | 6,105,000 | 6,104,000 | 6,159,000 | 5,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,460,000 | 50,966,000 | 62,043,000 | 66,189,000 |
| Interest-bearing deposits | 41,045,000 | 44,967,000 | 54,241,000 | 52,529,000 |
| Noninterest-bearing deposits | 5,415,000 | 5,999,000 | 7,802,000 | 13,660,000 |
| Equity capital | 8,576,000 | 8,684,000 | 8,886,000 | 9,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 2,172,000 | 3,433,000 | 4,759,000 |
| Interest expense | 525,000 | 1,057,000 | 1,671,000 | 2,259,000 |
| Net interest income | 527,000 | 1,115,000 | 1,762,000 | 2,500,000 |
| Noninterest income | 56,000 | 199,000 | 474,000 | 794,000 |
| Noninterest expense | 473,000 | 1,045,000 | 1,753,000 | 2,404,000 |
| Provision for loan losses | 62,000 | 97,000 | 191,000 | 420,000 |
| Pretax income | 48,000 | 172,000 | 292,000 | 486,000 |
| Income tax | 0 | 0 | 0 | -143,000 |
| Net income | 48,000 | 172,000 | 292,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,485,000 | 8,608,000 | 8,729,000 | 9,065,000 |
| Total capital | 8,963,000 | 9,109,000 | 9,306,000 | 9,812,000 |
| Risk-weighted assets | 45,564,000 | 52,365,000 | 60,253,000 | 65,113,000 |