Call reports 2006
BANK OF THE JAMES — 2006
What BANK OF THE JAMES reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 202,616,000 | 204,247,000 | 214,307,000 | 232,646,000 |
| Total loans | 163,866,000 | 163,955,000 | 176,033,000 | 189,560,000 |
| Allowance for loan losses | 1,965,000 | 2,006,000 | 2,013,000 | 2,091,000 |
| Securities available for sale | 16,106,000 | 15,786,000 | 17,995,000 | 18,698,000 |
| Securities held to maturity | 7,498,000 | 8,496,000 | 8,495,000 | 7,494,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,091,000 | 181,458,000 | 188,689,000 | 206,939,000 |
| Interest-bearing deposits | 150,173,000 | 155,026,000 | 159,568,000 | 167,617,000 |
| Noninterest-bearing deposits | 29,918,000 | 26,432,000 | 29,121,000 | 39,322,000 |
| Equity capital | 14,965,000 | 15,325,000 | 16,090,000 | 16,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,342,000 | 6,889,000 | 10,675,000 | 14,680,000 |
| Interest expense | 1,208,000 | 2,528,000 | 4,049,000 | 5,684,000 |
| Net interest income | 2,134,000 | 4,361,000 | 6,626,000 | 8,996,000 |
| Noninterest income | 448,000 | 976,000 | 1,559,000 | 2,156,000 |
| Noninterest expense | 1,812,000 | 3,779,000 | 5,798,000 | 7,743,000 |
| Provision for loan losses | 218,000 | 305,000 | 489,000 | 630,000 |
| Pretax income | 552,000 | 1,253,000 | 1,900,000 | 2,786,000 |
| Income tax | 196,000 | 442,000 | 671,000 | 995,000 |
| Net income | 356,000 | 811,000 | 1,229,000 | 1,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,311,000 | 15,797,000 | 16,307,000 | 16,943,000 |
| Total capital | 17,276,000 | 17,803,000 | 18,320,000 | 19,034,000 |
| Risk-weighted assets | 163,929,000 | 163,944,000 | 175,498,000 | 186,290,000 |