Call reports 2011
BANK OF THE JAMES — 2011
What BANK OF THE JAMES reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 431,074,000 | 429,559,000 | 429,258,000 | 427,040,000 |
| Total loans | 328,284,000 | 324,571,000 | 324,776,000 | 324,799,000 |
| Allowance for loan losses | 5,318,000 | 4,970,000 | 5,461,000 | 5,612,000 |
| Securities available for sale | 44,047,000 | 49,171,000 | 45,153,000 | 48,339,000 |
| Securities held to maturity | 13,241,000 | 9,196,000 | 8,165,000 | 8,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,213,000 | 377,432,000 | 376,668,000 | 374,958,000 |
| Interest-bearing deposits | 329,725,000 | 328,419,000 | 320,679,000 | 318,665,000 |
| Noninterest-bearing deposits | 50,488,000 | 49,013,000 | 55,989,000 | 56,293,000 |
| Equity capital | 32,287,000 | 33,073,000 | 33,706,000 | 33,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,942,000 | 9,838,000 | 14,674,000 | 19,519,000 |
| Interest expense | 1,130,000 | 2,115,000 | 3,000,000 | 3,772,000 |
| Net interest income | 3,812,000 | 7,723,000 | 11,674,000 | 15,747,000 |
| Noninterest income | 559,000 | 1,074,000 | 1,651,000 | 1,619,000 |
| Noninterest expense | 3,062,000 | 6,169,000 | 9,549,000 | 12,103,000 |
| Provision for loan losses | 579,000 | 1,485,000 | 2,757,000 | 4,807,000 |
| Pretax income | 761,000 | 1,343,000 | 1,785,000 | 1,637,000 |
| Income tax | 239,000 | 418,000 | 549,000 | 291,000 |
| Net income | 522,000 | 925,000 | 1,236,000 | 1,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,638,000 | 33,041,000 | 33,352,000 | 33,461,000 |
| Total capital | 36,641,000 | 36,976,000 | 37,323,000 | 37,452,000 |
| Risk-weighted assets | 318,917,000 | 313,762,000 | 316,227,000 | 317,684,000 |