Call reports 2010
BANK OF THE JAMES — 2010
What BANK OF THE JAMES reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 409,982,000 | 407,243,000 | 415,743,000 | 418,896,000 |
| Total loans | 327,493,000 | 329,667,000 | 326,079,000 | 326,182,000 |
| Allowance for loan losses | 4,644,000 | 4,707,000 | 4,955,000 | 5,467,000 |
| Securities available for sale | 28,725,000 | 26,581,000 | 33,599,000 | 38,586,000 |
| Securities held to maturity | 15,488,000 | 15,425,000 | 14,361,000 | 14,297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,967,000 | 356,643,000 | 365,695,000 | 369,517,000 |
| Interest-bearing deposits | 315,514,000 | 312,046,000 | 319,236,000 | 324,118,000 |
| Noninterest-bearing deposits | 44,453,000 | 44,597,000 | 46,459,000 | 45,399,000 |
| Equity capital | 30,265,000 | 31,435,000 | 32,215,000 | 31,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,368,000 | 10,841,000 | 16,233,000 | 21,589,000 |
| Interest expense | 1,974,000 | 3,364,000 | 4,713,000 | 5,968,000 |
| Net interest income | 3,394,000 | 7,477,000 | 11,520,000 | 15,621,000 |
| Noninterest income | 713,000 | 1,427,000 | 2,256,000 | 3,071,000 |
| Noninterest expense | 3,108,000 | 6,288,000 | 9,819,000 | 13,221,000 |
| Provision for loan losses | 387,000 | 835,000 | 1,435,000 | 2,783,000 |
| Pretax income | 687,000 | 2,003,000 | 2,843,000 | 3,046,000 |
| Income tax | 226,000 | 652,000 | 917,000 | 822,000 |
| Net income | 461,000 | 1,351,000 | 1,926,000 | 2,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,352,000 | 31,243,000 | 31,818,000 | 32,116,000 |
| Total capital | 34,345,000 | 35,223,000 | 35,786,000 | 36,105,000 |
| Risk-weighted assets | 318,786,000 | 317,664,000 | 316,462,000 | 317,606,000 |