Call reports 2007
BANK OF THE JAMES — 2007
What BANK OF THE JAMES reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 236,523,000 | 245,623,000 | 261,681,000 | 269,912,000 |
| Total loans | 198,728,000 | 205,536,000 | 217,457,000 | 226,167,000 |
| Allowance for loan losses | 2,179,000 | 2,176,000 | 2,170,000 | 2,145,000 |
| Securities available for sale | 18,193,000 | 18,791,000 | 23,279,000 | 25,733,000 |
| Securities held to maturity | 6,493,000 | 6,493,000 | 6,494,000 | 6,494,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,105,000 | 213,560,000 | 223,842,000 | 229,086,000 |
| Interest-bearing deposits | 172,105,000 | 178,320,000 | 190,956,000 | 193,750,000 |
| Noninterest-bearing deposits | 32,000,000 | 35,240,000 | 32,886,000 | 35,336,000 |
| Equity capital | 22,167,000 | 22,499,000 | 23,284,000 | 24,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,093,000 | 8,391,000 | 12,972,000 | 17,715,000 |
| Interest expense | 1,785,000 | 3,684,000 | 5,733,000 | 7,835,000 |
| Net interest income | 2,308,000 | 4,707,000 | 7,239,000 | 9,880,000 |
| Noninterest income | 532,000 | 1,128,000 | 1,622,000 | 2,172,000 |
| Noninterest expense | 2,118,000 | 4,286,000 | 6,392,000 | 8,507,000 |
| Provision for loan losses | 151,000 | 245,000 | 304,000 | 451,000 |
| Pretax income | 571,000 | 1,304,000 | 2,165,000 | 3,135,000 |
| Income tax | 195,000 | 445,000 | 738,000 | 1,068,000 |
| Net income | 376,000 | 859,000 | 1,427,000 | 2,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,323,000 | 22,808,000 | 23,378,000 | 24,035,000 |
| Total capital | 24,502,000 | 24,984,000 | 25,548,000 | 26,180,000 |
| Risk-weighted assets | 194,372,000 | 199,775,000 | 211,138,000 | 219,180,000 |