Call reports 2022
BANK OF THE JAMES — 2022
What BANK OF THE JAMES reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 963,892,000 | 949,408,000 | 952,132,000 | 918,549,000 |
| Total loans | 602,310,000 | 618,397,000 | 623,750,000 | 614,047,000 |
| Allowance for loan losses | 6,870,000 | 6,616,000 | 6,394,000 | 6,259,000 |
| Securities available for sale | 212,617,000 | 201,430,000 | 191,132,000 | 185,787,000 |
| Securities held to maturity | 3,651,000 | 3,647,000 | 3,643,000 | 3,639,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 884,538,000 | 877,610,000 | 887,071,000 | 851,917,000 |
| Interest-bearing deposits | 722,039,000 | 727,033,000 | 727,084,000 | 693,254,000 |
| Noninterest-bearing deposits | 162,499,000 | 150,577,000 | 159,987,000 | 158,663,000 |
| Equity capital | 68,872,000 | 61,856,000 | 54,921,000 | 57,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,915,000 | 14,515,000 | 22,916,000 | 31,852,000 |
| Interest expense | 304,000 | 565,000 | 841,000 | 1,287,000 |
| Net interest income | 6,611,000 | 13,950,000 | 22,075,000 | 30,565,000 |
| Noninterest income | 2,687,000 | 4,843,000 | 7,605,000 | 9,428,000 |
| Noninterest expense | 7,070,000 | 14,107,000 | 22,310,000 | 30,336,000 |
| Provision for loan losses | -300,000 | -600,000 | -900,000 | -900,000 |
| Pretax income | 2,528,000 | 5,286,000 | 8,270,000 | 10,554,000 |
| Income tax | 504,000 | 1,056,000 | 1,655,000 | 2,035,000 |
| Net income | 2,024,000 | 4,230,000 | 6,615,000 | 8,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,914,000 | 83,119,000 | 82,004,000 | 83,907,000 |
| Total capital | 87,784,000 | 89,735,000 | 88,398,000 | 90,166,000 |
| Risk-weighted assets | 725,140,000 | 749,994,000 | 758,294,000 | 752,515,000 |