Call reports 2013
BANK OF THE JAMES — 2013
What BANK OF THE JAMES reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 428,072,000 | 430,887,000 | 435,574,000 | 434,615,000 |
| Total loans | 331,920,000 | 338,039,000 | 336,254,000 | 347,102,000 |
| Allowance for loan losses | 5,607,000 | 5,475,000 | 4,983,000 | 5,186,000 |
| Securities available for sale | 45,702,000 | 43,024,000 | 46,812,000 | 46,091,000 |
| Securities held to maturity | 3,069,000 | 3,063,000 | 3,543,000 | 3,537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,149,000 | 391,523,000 | 395,901,000 | 390,178,000 |
| Interest-bearing deposits | 320,032,000 | 323,069,000 | 322,651,000 | 324,187,000 |
| Noninterest-bearing deposits | 68,117,000 | 68,454,000 | 73,250,000 | 65,991,000 |
| Equity capital | 37,123,000 | 36,345,000 | 36,651,000 | 37,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,537,000 | 9,104,000 | 13,677,000 | 18,428,000 |
| Interest expense | 466,000 | 926,000 | 1,382,000 | 1,838,000 |
| Net interest income | 4,071,000 | 8,178,000 | 12,295,000 | 16,590,000 |
| Noninterest income | 659,000 | 1,178,000 | 1,879,000 | 2,606,000 |
| Noninterest expense | 3,451,000 | 6,804,000 | 10,284,000 | 14,257,000 |
| Provision for loan losses | 235,000 | 290,000 | 290,000 | 540,000 |
| Pretax income | 1,303,000 | 2,656,000 | 4,005,000 | 4,855,000 |
| Income tax | 394,000 | 807,000 | 1,223,000 | 1,298,000 |
| Net income | 909,000 | 1,849,000 | 2,782,000 | 3,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,982,000 | 37,922,000 | 38,855,000 | 39,630,000 |
| Total capital | 41,004,000 | 42,021,000 | 42,948,000 | 43,796,000 |
| Risk-weighted assets | 320,182,000 | 326,512,000 | 326,590,000 | 332,280,000 |