Call reports 2025
BANK OF THE JAMES — 2025
What BANK OF THE JAMES reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,002,624,000 | 1,000,081,000 | 1,011,360,000 | 1,031,900,000 |
| Total loans | 654,149,000 | 659,623,000 | 663,352,000 | 671,280,000 |
| Allowance for loan losses | 7,022,000 | 6,308,000 | 6,298,000 | 6,450,000 |
| Securities available for sale | 192,780,000 | 196,585,000 | 202,506,000 | 214,129,000 |
| Securities held to maturity | 3,602,000 | 3,598,000 | 3,594,000 | 3,590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 918,952,000 | 917,512,000 | 922,452,000 | 940,597,000 |
| Interest-bearing deposits | 773,065,000 | 772,727,000 | 786,959,000 | 805,674,000 |
| Noninterest-bearing deposits | 145,887,000 | 144,785,000 | 135,493,000 | 134,923,000 |
| Equity capital | 71,315,000 | 69,779,000 | 75,042,000 | 78,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,234,000 | 22,874,000 | 34,924,000 | 47,166,000 |
| Interest expense | 3,327,000 | 6,530,000 | 9,917,000 | 13,231,000 |
| Net interest income | 7,907,000 | 16,344,000 | 25,007,000 | 33,935,000 |
| Noninterest income | 2,057,000 | 4,895,000 | 7,424,000 | 10,286,000 |
| Noninterest expense | 9,155,000 | 17,981,000 | 26,474,000 | 34,829,000 |
| Provision for loan losses | 28,000 | -526,000 | -518,000 | -166,000 |
| Pretax income | 672,000 | 3,649,000 | 6,285,000 | 9,454,000 |
| Income tax | 98,000 | 678,000 | 1,059,000 | 1,666,000 |
| Net income | 574,000 | 2,971,000 | 5,226,000 | 7,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,534,000 | 88,930,000 | 91,184,000 | 93,747,000 |
| Total capital | 98,556,000 | 95,238,000 | 97,482,000 | 100,197,000 |
| Risk-weighted assets | 772,936,000 | 781,581,000 | 796,054,000 | 799,304,000 |