Call reports 2021
BANK OF THE JAMES — 2021
What BANK OF THE JAMES reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 886,683,000 | 908,765,000 | 943,150,000 | 977,506,000 |
| Total loans | 617,741,000 | 608,637,000 | 597,310,000 | 585,011,000 |
| Allowance for loan losses | 7,106,000 | 7,212,000 | 7,276,000 | 6,915,000 |
| Securities available for sale | 99,833,000 | 130,769,000 | 151,698,000 | 161,267,000 |
| Securities held to maturity | 3,667,000 | 3,663,000 | 3,659,000 | 3,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 805,279,000 | 822,966,000 | 857,006,000 | 890,223,000 |
| Interest-bearing deposits | 642,721,000 | 662,848,000 | 690,321,000 | 724,770,000 |
| Noninterest-bearing deposits | 162,558,000 | 160,118,000 | 166,685,000 | 165,453,000 |
| Equity capital | 71,714,000 | 75,112,000 | 76,391,000 | 77,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,365,000 | 14,598,000 | 21,914,000 | 29,182,000 |
| Interest expense | 508,000 | 924,000 | 1,309,000 | 1,669,000 |
| Net interest income | 6,857,000 | 13,674,000 | 20,605,000 | 27,513,000 |
| Noninterest income | 2,453,000 | 5,583,000 | 8,464,000 | 11,471,000 |
| Noninterest expense | 6,873,000 | 14,143,000 | 21,454,000 | 29,308,000 |
| Provision for loan losses | 0 | 0 | 0 | -500,000 |
| Pretax income | 2,437,000 | 5,114,000 | 7,615,000 | 10,176,000 |
| Income tax | 489,000 | 1,029,000 | 1,527,000 | 1,977,000 |
| Net income | 1,948,000 | 4,085,000 | 6,088,000 | 8,199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,638,000 | 74,775,000 | 76,777,000 | 78,888,000 |
| Total capital | 79,744,000 | 81,987,000 | 84,053,000 | 85,803,000 |
| Risk-weighted assets | 635,526,000 | 653,538,000 | 681,271,000 | 693,400,000 |