Call reports 2018
BANK OF THE JAMES — 2018
What BANK OF THE JAMES reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 653,881,000 | 656,050,000 | 667,430,000 | 675,259,000 |
| Total loans | 509,995,000 | 534,233,000 | 531,195,000 | 536,266,000 |
| Allowance for loan losses | 4,671,000 | 4,688,000 | 4,561,000 | 4,581,000 |
| Securities available for sale | 54,634,000 | 53,690,000 | 52,337,000 | 52,728,000 |
| Securities held to maturity | 3,708,000 | 3,706,000 | 3,703,000 | 3,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 585,454,000 | 596,633,000 | 607,968,000 | 612,802,000 |
| Interest-bearing deposits | 500,588,000 | 509,311,000 | 517,603,000 | 520,752,000 |
| Noninterest-bearing deposits | 84,866,000 | 87,322,000 | 90,365,000 | 92,050,000 |
| Equity capital | 56,032,000 | 57,273,000 | 57,827,000 | 59,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,155,000 | 12,880,000 | 19,975,000 | 27,127,000 |
| Interest expense | 773,000 | 1,646,000 | 2,586,000 | 3,596,000 |
| Net interest income | 5,382,000 | 11,234,000 | 17,389,000 | 23,531,000 |
| Noninterest income | 1,185,000 | 2,199,000 | 3,726,000 | 5,080,000 |
| Noninterest expense | 5,031,000 | 9,795,000 | 15,408,000 | 20,740,000 |
| Provision for loan losses | 22,000 | 337,000 | 527,000 | 717,000 |
| Pretax income | 1,514,000 | 3,301,000 | 5,180,000 | 7,154,000 |
| Income tax | 300,000 | 658,000 | 1,035,000 | 1,441,000 |
| Net income | 1,214,000 | 2,643,000 | 4,145,000 | 5,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,351,000 | 59,781,000 | 60,883,000 | 62,052,000 |
| Total capital | 63,022,000 | 64,469,000 | 65,444,000 | 66,633,000 |
| Risk-weighted assets | 526,011,000 | 531,673,000 | 560,599,000 | 564,184,000 |