Call reports 2015
BANK OF THE JAMES — 2015
What BANK OF THE JAMES reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 488,174,000 | 493,051,000 | 507,779,000 | 527,465,000 |
| Total loans | 410,060,000 | 419,983,000 | 435,421,000 | 437,091,000 |
| Allowance for loan losses | 4,746,000 | 4,586,000 | 4,748,000 | 4,683,000 |
| Securities available for sale | 24,103,000 | 29,448,000 | 33,124,000 | 35,996,000 |
| Securities held to maturity | 2,526,000 | 2,524,000 | 2,522,000 | 2,519,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 440,374,000 | 446,528,000 | 459,431,000 | 478,914,000 |
| Interest-bearing deposits | 356,695,000 | 361,613,000 | 370,774,000 | 376,323,000 |
| Noninterest-bearing deposits | 83,679,000 | 84,915,000 | 88,657,000 | 102,591,000 |
| Equity capital | 44,409,000 | 44,994,000 | 46,488,000 | 47,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,826,000 | 9,817,000 | 15,012,000 | 20,302,000 |
| Interest expense | 480,000 | 997,000 | 1,551,000 | 2,091,000 |
| Net interest income | 4,346,000 | 8,820,000 | 13,461,000 | 18,211,000 |
| Noninterest income | 896,000 | 1,913,000 | 3,075,000 | 4,049,000 |
| Noninterest expense | 3,624,000 | 7,429,000 | 11,458,000 | 15,893,000 |
| Provision for loan losses | 100,000 | 157,000 | 277,000 | 282,000 |
| Pretax income | 1,547,000 | 3,180,000 | 4,844,000 | 6,134,000 |
| Income tax | 499,000 | 1,028,000 | 1,567,000 | 1,902,000 |
| Net income | 1,048,000 | 2,152,000 | 3,277,000 | 4,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,594,000 | 45,698,000 | 46,823,000 | 47,778,000 |
| Total capital | 49,340,000 | 50,284,000 | 51,571,000 | 52,461,000 |
| Risk-weighted assets | 424,707,000 | 423,057,000 | 436,783,000 | 446,201,000 |