Call reports 2024
BANK OF THE JAMES — 2024
What BANK OF THE JAMES reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 974,801,000 | 968,183,000 | 998,382,000 | 970,140,000 |
| Total loans | 612,675,000 | 627,873,000 | 637,429,000 | 647,212,000 |
| Allowance for loan losses | 6,920,000 | 6,951,000 | 7,078,000 | 7,044,000 |
| Securities available for sale | 214,823,000 | 206,178,000 | 192,470,000 | 187,916,000 |
| Securities held to maturity | 3,618,000 | 3,614,000 | 3,610,000 | 3,606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 894,898,000 | 887,827,000 | 910,498,000 | 890,163,000 |
| Interest-bearing deposits | 749,875,000 | 748,879,000 | 775,388,000 | 752,712,000 |
| Noninterest-bearing deposits | 145,023,000 | 138,948,000 | 135,110,000 | 137,451,000 |
| Equity capital | 68,951,000 | 68,925,000 | 76,214,000 | 67,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 10,598,000 | 22,043,000 | 33,609,000 | 45,579,000 |
| Interest expense | 3,365,000 | 7,014,000 | 10,876,000 | 14,629,000 |
| Net interest income | 7,233,000 | 15,029,000 | 22,733,000 | 30,950,000 |
| Noninterest income | 2,084,000 | 4,560,000 | 7,121,000 | 9,556,000 |
| Noninterest expense | 7,559,000 | 15,647,000 | 23,769,000 | 32,601,000 |
| Provision for loan losses | -500,000 | -600,000 | -494,000 | -533,000 |
| Pretax income | 2,310,000 | 4,658,000 | 6,751,000 | 8,622,000 |
| Income tax | 448,000 | 899,000 | 1,295,000 | 1,601,000 |
| Net income | 1,862,000 | 3,759,000 | 5,456,000 | 7,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,700,000 | 93,097,000 | 94,794,000 | 91,359,000 |
| Total capital | 99,620,000 | 100,048,000 | 101,872,000 | 98,403,000 |
| Risk-weighted assets | 734,801,000 | 747,705,000 | 753,334,000 | 766,614,000 |