Call reports 2016
BANK OF THE JAMES — 2016
What BANK OF THE JAMES reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 525,022,000 | 546,293,000 | 560,254,000 | 574,459,000 |
| Total loans | 442,157,000 | 461,384,000 | 465,137,000 | 473,902,000 |
| Allowance for loan losses | 4,750,000 | 4,887,000 | 4,953,000 | 5,716,000 |
| Securities available for sale | 37,763,000 | 33,809,000 | 39,922,000 | 40,778,000 |
| Securities held to maturity | 2,517,000 | 3,309,000 | 3,304,000 | 3,299,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 474,626,000 | 494,364,000 | 508,063,000 | 523,783,000 |
| Interest-bearing deposits | 380,742,000 | 395,991,000 | 404,900,000 | 420,492,000 |
| Noninterest-bearing deposits | 93,884,000 | 98,373,000 | 103,163,000 | 103,291,000 |
| Equity capital | 48,766,000 | 50,173,000 | 50,633,000 | 49,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,235,000 | 10,528,000 | 16,005,000 | 21,568,000 |
| Interest expense | 540,000 | 1,090,000 | 1,700,000 | 2,336,000 |
| Net interest income | 4,695,000 | 9,438,000 | 14,305,000 | 19,232,000 |
| Noninterest income | 935,000 | 2,081,000 | 3,139,000 | 4,308,000 |
| Noninterest expense | 4,113,000 | 8,293,000 | 12,682,000 | 17,343,000 |
| Provision for loan losses | 200,000 | 450,000 | 595,000 | 1,612,000 |
| Pretax income | 1,382,000 | 3,004,000 | 4,611,000 | 5,079,000 |
| Income tax | 441,000 | 964,000 | 1,480,000 | 1,608,000 |
| Net income | 941,000 | 2,040,000 | 3,131,000 | 3,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,720,000 | 49,818,000 | 50,609,000 | 50,649,000 |
| Total capital | 53,470,000 | 54,705,000 | 55,562,000 | 56,365,000 |
| Risk-weighted assets | 445,820,000 | 463,433,000 | 475,319,000 | 488,607,000 |