Call reports 2012
BANK OF THE JAMES — 2012
What BANK OF THE JAMES reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 433,118,000 | 432,749,000 | 426,226,000 | 441,440,000 |
| Total loans | 319,197,000 | 326,072,000 | 328,568,000 | 326,361,000 |
| Allowance for loan losses | 6,006,000 | 5,693,000 | 5,693,000 | 5,535,000 |
| Securities available for sale | 57,161,000 | 55,675,000 | 52,263,000 | 50,294,000 |
| Securities held to maturity | 8,101,000 | 3,087,000 | 3,081,000 | 3,075,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,208,000 | 387,290,000 | 387,645,000 | 402,083,000 |
| Interest-bearing deposits | 326,411,000 | 327,849,000 | 322,038,000 | 332,098,000 |
| Noninterest-bearing deposits | 61,797,000 | 59,441,000 | 65,607,000 | 69,985,000 |
| Equity capital | 33,726,000 | 35,110,000 | 35,929,000 | 36,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,686,000 | 9,331,000 | 14,094,000 | 18,753,000 |
| Interest expense | 715,000 | 1,391,000 | 1,978,000 | 2,480,000 |
| Net interest income | 3,971,000 | 7,940,000 | 12,116,000 | 16,273,000 |
| Noninterest income | 610,000 | 1,055,000 | 1,284,000 | 2,090,000 |
| Noninterest expense | 3,236,000 | 6,478,000 | 9,659,000 | 13,347,000 |
| Provision for loan losses | 750,000 | 1,175,000 | 1,776,000 | 2,289,000 |
| Pretax income | 636,000 | 1,512,000 | 2,376,000 | 3,401,000 |
| Income tax | 188,000 | 458,000 | 673,000 | 790,000 |
| Net income | 448,000 | 1,054,000 | 1,703,000 | 2,611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,909,000 | 34,516,000 | 35,164,000 | 36,073,000 |
| Total capital | 37,883,000 | 38,540,000 | 39,192,000 | 40,137,000 |
| Risk-weighted assets | 315,902,000 | 320,288,000 | 320,595,000 | 323,655,000 |