Call reports 2014
BANK OF THE JAMES — 2014
What BANK OF THE JAMES reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 442,690,000 | 447,637,000 | 451,896,000 | 460,960,000 |
| Total loans | 356,248,000 | 366,809,000 | 380,267,000 | 400,393,000 |
| Allowance for loan losses | 5,261,000 | 5,177,000 | 4,873,000 | 4,789,000 |
| Securities available for sale | 45,336,000 | 36,514,000 | 33,940,000 | 24,395,000 |
| Securities held to maturity | 2,535,000 | 2,533,000 | 2,530,000 | 2,528,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,656,000 | 402,765,000 | 401,031,000 | 399,262,000 |
| Interest-bearing deposits | 326,514,000 | 326,392,000 | 321,392,000 | 322,866,000 |
| Noninterest-bearing deposits | 74,142,000 | 76,373,000 | 79,639,000 | 76,396,000 |
| Equity capital | 38,881,000 | 40,491,000 | 41,588,000 | 43,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,545,000 | 9,155,000 | 13,881,000 | 18,729,000 |
| Interest expense | 441,000 | 879,000 | 1,305,000 | 1,725,000 |
| Net interest income | 4,104,000 | 8,276,000 | 12,576,000 | 17,004,000 |
| Noninterest income | 664,000 | 1,428,000 | 2,314,000 | 3,174,000 |
| Noninterest expense | 3,516,000 | 7,116,000 | 10,779,000 | 14,803,000 |
| Provision for loan losses | 55,000 | 55,000 | 55,000 | 55,000 |
| Pretax income | 1,191,000 | 2,613,000 | 4,142,000 | 5,463,000 |
| Income tax | 365,000 | 812,000 | 1,302,000 | 1,547,000 |
| Net income | 826,000 | 1,801,000 | 2,840,000 | 3,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,456,000 | 41,431,000 | 42,470,000 | 43,546,000 |
| Total capital | 44,697,000 | 45,741,000 | 46,875,000 | 48,165,000 |
| Risk-weighted assets | 338,271,000 | 343,900,000 | 351,936,000 | 369,348,000 |