Call reports 2017
BANK OF THE JAMES — 2017
What BANK OF THE JAMES reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 578,689,000 | 596,004,000 | 619,755,000 | 626,564,000 |
| Total loans | 473,594,000 | 491,893,000 | 501,287,000 | 498,400,000 |
| Allowance for loan losses | 5,716,000 | 6,132,000 | 6,020,000 | 4,752,000 |
| Securities available for sale | 48,221,000 | 49,315,000 | 49,665,000 | 55,314,000 |
| Securities held to maturity | 3,293,000 | 3,288,000 | 3,282,000 | 5,713,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,503,000 | 534,750,000 | 562,142,000 | 568,736,000 |
| Interest-bearing deposits | 415,961,000 | 421,213,000 | 438,355,000 | 444,305,000 |
| Noninterest-bearing deposits | 107,542,000 | 113,537,000 | 123,787,000 | 124,431,000 |
| Equity capital | 53,147,000 | 54,355,000 | 55,445,000 | 55,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,509,000 | 11,360,000 | 17,430,000 | 23,664,000 |
| Interest expense | 634,000 | 1,294,000 | 2,031,000 | 2,806,000 |
| Net interest income | 4,875,000 | 10,066,000 | 15,399,000 | 20,858,000 |
| Noninterest income | 856,000 | 2,044,000 | 3,268,000 | 4,693,000 |
| Noninterest expense | 4,443,000 | 9,169,000 | 13,947,000 | 18,825,000 |
| Provision for loan losses | 100,000 | 545,000 | 745,000 | 993,000 |
| Pretax income | 1,198,000 | 2,458,000 | 4,088,000 | 5,846,000 |
| Income tax | 372,000 | 767,000 | 1,290,000 | 2,599,000 |
| Net income | 826,000 | 1,691,000 | 2,798,000 | 3,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,475,000 | 55,340,000 | 56,448,000 | 57,137,000 |
| Total capital | 60,191,000 | 61,472,000 | 62,468,000 | 61,889,000 |
| Risk-weighted assets | 494,504,000 | 508,779,000 | 512,307,000 | 513,419,000 |