Call reports 2001
JAMES RIVER BANK — 2001
What JAMES RIVER BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 |
|---|---|---|---|
| Total assets | 109,121,000 | 110,142,000 | 115,206,000 |
| Total loans | 68,054,000 | 69,184,000 | 67,759,000 |
| Allowance for loan losses | 965,000 | 1,350,000 | 1,374,000 |
| Securities available for sale | 27,038,000 | 25,315,000 | 0 |
| Securities held to maturity | 0 | 0 | 23,751,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 96,474,000 | 95,248,000 | 92,058,000 |
| Interest-bearing deposits | 75,656,000 | 74,543,000 | 74,082,000 |
| Noninterest-bearing deposits | 20,818,000 | 20,705,000 | 17,976,000 |
| Equity capital | 11,197,000 | 11,122,000 | 20,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 |
|---|---|---|---|
| Interest income | 1,898,000 | 3,726,000 | 1,771,000 |
| Interest expense | 806,000 | 1,557,000 | 699,000 |
| Net interest income | 1,092,000 | 2,169,000 | 1,072,000 |
| Noninterest income | 205,000 | 443,000 | 199,000 |
| Noninterest expense | 816,000 | 1,610,000 | 791,000 |
| Provision for loan losses | 12,000 | 524,000 | 12,000 |
| Pretax income | 469,000 | 478,000 | 468,000 |
| Income tax | 130,000 | 98,000 | 132,000 |
| Net income | 339,000 | 380,000 | 336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 |
|---|---|---|---|
| Tier 1 capital | 8,287,000 | 8,279,000 | 9,132,000 |
| Total capital | 9,231,000 | 9,235,000 | 10,031,000 |
| Risk-weighted assets | 75,528,000 | 76,097,000 | 71,432,000 |