Call reports 2019
BANK OF THE JAMES — 2019
What BANK OF THE JAMES reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 684,781,000 | 690,439,000 | 708,449,000 | 725,686,000 |
| Total loans | 543,236,000 | 561,141,000 | 561,409,000 | 582,325,000 |
| Allowance for loan losses | 4,673,000 | 4,724,000 | 4,773,000 | 4,829,000 |
| Securities available for sale | 53,498,000 | 53,821,000 | 54,400,000 | 59,656,000 |
| Securities held to maturity | 3,697,000 | 3,694,000 | 3,691,000 | 3,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,525,000 | 617,953,000 | 633,866,000 | 650,009,000 |
| Interest-bearing deposits | 523,127,000 | 528,287,000 | 542,607,000 | 555,525,000 |
| Noninterest-bearing deposits | 94,398,000 | 89,666,000 | 91,259,000 | 94,484,000 |
| Equity capital | 61,782,000 | 63,790,000 | 65,506,000 | 66,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,237,000 | 14,629,000 | 22,227,000 | 29,823,000 |
| Interest expense | 1,054,000 | 2,243,000 | 3,583,000 | 4,991,000 |
| Net interest income | 6,183,000 | 12,386,000 | 18,644,000 | 24,832,000 |
| Noninterest income | 1,124,000 | 2,821,000 | 4,543,000 | 6,663,000 |
| Noninterest expense | 5,427,000 | 11,363,000 | 17,568,000 | 23,917,000 |
| Provision for loan losses | 210,000 | 326,000 | 434,000 | 523,000 |
| Pretax income | 1,670,000 | 3,518,000 | 5,476,000 | 7,449,000 |
| Income tax | 333,000 | 704,000 | 1,099,000 | 1,439,000 |
| Net income | 1,337,000 | 2,814,000 | 4,377,000 | 6,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,988,000 | 64,064,000 | 65,228,000 | 66,261,000 |
| Total capital | 67,661,000 | 68,788,000 | 70,001,000 | 71,090,000 |
| Risk-weighted assets | 574,387,000 | 589,502,000 | 591,365,000 | 616,269,000 |