Call reports 2004
BANK OF THE JAMES — 2004
What BANK OF THE JAMES reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 158,505,000 | 161,213,000 | 169,905,000 | 171,025,000 |
| Total loans | 120,481,000 | 125,397,000 | 133,870,000 | 141,691,000 |
| Allowance for loan losses | 1,507,000 | 1,543,000 | 1,454,000 | 1,419,000 |
| Securities available for sale | 8,014,000 | 12,223,000 | 13,712,000 | 10,912,000 |
| Securities held to maturity | 8,533,000 | 8,521,000 | 10,004,000 | 8,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,858,000 | 145,790,000 | 153,509,000 | 153,834,000 |
| Interest-bearing deposits | 128,134,000 | 125,152,000 | 130,334,000 | 132,135,000 |
| Noninterest-bearing deposits | 15,724,000 | 20,638,000 | 23,175,000 | 21,699,000 |
| Equity capital | 11,711,000 | 12,057,000 | 12,321,000 | 12,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,159,000 | 4,388,000 | 6,795,000 | 9,433,000 |
| Interest expense | 584,000 | 1,176,000 | 1,817,000 | 2,511,000 |
| Net interest income | 1,575,000 | 3,212,000 | 4,978,000 | 6,922,000 |
| Noninterest income | 290,000 | 778,000 | 1,306,000 | 1,823,000 |
| Noninterest expense | 1,268,000 | 2,678,000 | 4,164,000 | 5,768,000 |
| Provision for loan losses | 77,000 | 131,000 | 634,000 | 754,000 |
| Pretax income | 520,000 | 1,181,000 | 1,486,000 | 2,230,000 |
| Income tax | 179,000 | 401,000 | 505,000 | 758,000 |
| Net income | 341,000 | 780,000 | 981,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,638,000 | 12,083,000 | 12,302,000 | 12,798,000 |
| Total capital | 13,145,000 | 13,626,000 | 13,756,000 | 14,217,000 |
| Risk-weighted assets | 122,593,000 | 126,731,000 | 133,134,000 | 138,827,000 |