Call reports 2023
BANK OF THE JAMES — 2023
What BANK OF THE JAMES reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 938,374,000 | 941,224,000 | 951,681,000 | 959,707,000 |
| Total loans | 627,100,000 | 624,164,000 | 610,230,000 | 610,591,000 |
| Allowance for loan losses | 7,715,000 | 7,586,000 | 7,320,000 | 7,412,000 |
| Securities available for sale | 189,588,000 | 186,626,000 | 181,979,000 | 216,511,000 |
| Securities held to maturity | 3,634,000 | 3,630,000 | 3,626,000 | 3,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 867,646,000 | 869,733,000 | 882,732,000 | 880,710,000 |
| Interest-bearing deposits | 713,608,000 | 715,832,000 | 725,575,000 | 735,935,000 |
| Noninterest-bearing deposits | 154,038,000 | 153,901,000 | 157,157,000 | 144,775,000 |
| Equity capital | 59,958,000 | 61,094,000 | 58,532,000 | 68,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 9,098,000 | 18,727,000 | 28,869,000 | 39,500,000 |
| Interest expense | 1,251,000 | 3,289,000 | 5,865,000 | 8,811,000 |
| Net interest income | 7,847,000 | 15,438,000 | 23,004,000 | 30,689,000 |
| Noninterest income | 2,073,000 | 4,464,000 | 6,632,000 | 8,785,000 |
| Noninterest expense | 7,483,000 | 14,721,000 | 22,441,000 | 30,115,000 |
| Provision for loan losses | 140,000 | -58,000 | -189,000 | -65,000 |
| Pretax income | 2,297,000 | 5,295,000 | 7,472,000 | 9,538,000 |
| Income tax | 451,000 | 1,048,000 | 1,473,000 | 1,808,000 |
| Net income | 1,846,000 | 4,247,000 | 5,999,000 | 7,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,355,000 | 87,756,000 | 89,509,000 | 91,239,000 |
| Total capital | 93,070,000 | 95,342,000 | 96,829,000 | 98,651,000 |
| Risk-weighted assets | 758,351,000 | 748,857,000 | 738,831,000 | 737,505,000 |