Call reports 2005
BANK OF THE JAMES — 2005
What BANK OF THE JAMES reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 179,342,000 | 185,507,000 | 191,173,000 | 195,852,000 |
| Total loans | 144,395,000 | 152,641,000 | 155,473,000 | 157,257,000 |
| Allowance for loan losses | 1,492,000 | 1,526,000 | 1,684,000 | 1,777,000 |
| Securities available for sale | 14,106,000 | 14,089,000 | 16,763,000 | 16,420,000 |
| Securities held to maturity | 7,512,000 | 8,508,000 | 8,501,000 | 7,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,606,000 | 166,352,000 | 170,355,000 | 173,956,000 |
| Interest-bearing deposits | 140,539,000 | 142,296,000 | 142,575,000 | 147,770,000 |
| Noninterest-bearing deposits | 22,067,000 | 24,056,000 | 27,780,000 | 26,186,000 |
| Equity capital | 13,328,000 | 13,864,000 | 14,200,000 | 14,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,670,000 | 5,581,000 | 8,728,000 | 12,028,000 |
| Interest expense | 761,000 | 1,650,000 | 2,656,000 | 3,779,000 |
| Net interest income | 1,909,000 | 3,931,000 | 6,072,000 | 8,249,000 |
| Noninterest income | 456,000 | 1,010,000 | 1,600,000 | 2,081,000 |
| Noninterest expense | 1,676,000 | 3,411,000 | 5,153,000 | 6,825,000 |
| Provision for loan losses | 175,000 | 374,000 | 629,000 | 803,000 |
| Pretax income | 519,000 | 1,162,000 | 1,900,000 | 2,712,000 |
| Income tax | 176,000 | 395,000 | 644,000 | 921,000 |
| Net income | 343,000 | 767,000 | 1,256,000 | 1,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,462,000 | 13,885,000 | 14,382,000 | 14,916,000 |
| Total capital | 14,954,000 | 15,411,000 | 16,066,000 | 16,693,000 |
| Risk-weighted assets | 143,087,000 | 151,780,000 | 154,068,000 | 156,436,000 |