Call reports 2003
BANK OF THE JAMES — 2003
What BANK OF THE JAMES reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 118,560,000 | 119,115,000 | 133,741,000 | 145,011,000 |
| Total loans | 96,318,000 | 102,393,000 | 109,206,000 | 116,054,000 |
| Allowance for loan losses | 1,208,000 | 1,277,000 | 1,376,000 | 1,451,000 |
| Securities available for sale | 4,781,000 | 2,633,000 | 3,434,000 | 6,962,000 |
| Securities held to maturity | 7,000,000 | 4,000,000 | 6,993,000 | 7,994,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,901,000 | 108,198,000 | 122,495,000 | 133,486,000 |
| Interest-bearing deposits | 90,830,000 | 93,414,000 | 104,553,000 | 117,066,000 |
| Noninterest-bearing deposits | 15,071,000 | 14,784,000 | 17,942,000 | 16,420,000 |
| Equity capital | 10,244,000 | 10,658,000 | 11,009,000 | 11,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,839,000 | 3,745,000 | 5,698,000 | 7,754,000 |
| Interest expense | 607,000 | 1,170,000 | 1,708,000 | 2,269,000 |
| Net interest income | 1,232,000 | 2,575,000 | 3,990,000 | 5,485,000 |
| Noninterest income | 385,000 | 875,000 | 1,287,000 | 1,611,000 |
| Noninterest expense | 937,000 | 2,059,000 | 3,178,000 | 4,405,000 |
| Provision for loan losses | 208,000 | 292,000 | 434,000 | 552,000 |
| Pretax income | 472,000 | 1,099,000 | 1,680,000 | 2,154,000 |
| Income tax | 167,000 | 380,000 | 578,000 | 738,000 |
| Net income | 305,000 | 719,000 | 1,102,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,185,000 | 10,599,000 | 10,982,000 | 11,297,000 |
| Total capital | 11,393,000 | 11,869,000 | 12,357,000 | 12,748,000 |
| Risk-weighted assets | 96,669,000 | 101,581,000 | 109,998,000 | 117,659,000 |