Call reports 2026
BANK OF THE JAMES — 2026
What BANK OF THE JAMES reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 1,052,925,000 | 1,033,600,000 |
| Total loans | 658,210,000 | 698,332,000 |
| Allowance for loan losses | 6,201,000 | 6,597,000 |
| Securities available for sale | 244,699,000 | 236,832,000 |
| Securities held to maturity | 3,586,000 | 3,581,000 |
| Trading assets | 0 | 0 |
| Total deposits | 959,221,000 | 938,136,000 |
| Interest-bearing deposits | 811,790,000 | 798,794,000 |
| Noninterest-bearing deposits | 147,431,000 | 139,342,000 |
| Equity capital | 79,708,000 | 81,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 11,979,000 | 24,328,000 |
| Interest expense | 2,981,000 | 5,875,000 |
| Net interest income | 8,998,000 | 18,453,000 |
| Noninterest income | 2,454,000 | 5,423,000 |
| Noninterest expense | 8,659,000 | 17,202,000 |
| Provision for loan losses | -91,000 | 318,000 |
| Pretax income | 2,939,000 | 6,471,000 |
| Income tax | 560,000 | 1,243,000 |
| Net income | 2,379,000 | 5,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 95,727,000 | 98,576,000 |
| Total capital | 102,547,000 | 105,732,000 |
| Risk-weighted assets | 790,139,000 | 835,228,000 |