Bank of the James

Branches

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Bank of the James Locations

Deposit Rates - May 8, 2021

SAVINGS RATES APY MIN MAX
Savings
0.05% $2,500 $4,999 Compare
CD RATES APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Compare
6 Mo CD
0.20% $100,000 $199,999 Compare
12 Mo CD
0.20% $10,000 $14,999 Compare
12 Mo CD
0.20% $100,000 $199,999 Compare
18 Mo CD
0.20% $10,000 $14,999 Compare
18 Mo CD
0.20% $100,000 $199,999 Compare
24 Mo CD
0.20% $10,000 $14,999 Compare
24 Mo CD
0.20% $100,000 $199,999 Compare
30 Mo CD
0.20% $10,000 $14,999 Compare
30 Mo CD
0.20% $100,000 $199,999 Compare
36 Mo CD
0.20% $10,000 $14,999 Compare
36 Mo CD
0.20% $100,000 $199,999 Compare
48 Mo CD
0.20% $10,000 $14,999 Compare
48 Mo CD
0.20% $100,000 $199,999 Compare
60 Mo CD
0.40% $10,000 $14,999 Compare
60 Mo CD
0.40% $100,000 $199,999 Compare
MM RATES APY MIN MAX
Money Market
0.05% $2,500 $2,999 Compare
Money Market
0.05% $10,000 $14,999 Compare
Money Market
0.05% $25,000 $29,999 Compare
INT CHECKING RATES APY MIN MAX
Int Ckg
0.10% $2,500 $3,499

Overview 2021

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35207
Date Established 1999
Assets $ 851.82 million
Loans $ 609.04 million
Deposits $ 769.70 million
Capital $ 72.48 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 101.37 million
Interest-bearing balances $ 87.75 million
Total securities $ 93.86 million
Federal funds sold and reverse repurchase $ 0.11 million
Net loans and leases $ 609.04 million
Loan loss allowance $ 7.16 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.11 million
Goodwill and other intangibles N.A.
All other assets $ 29.72 million
     Total Assets $ 779.34 million

LIABILITIES
Total deposits $ 769.70 million
      Interest-bearing deposits $ 621.62 million
      Deposits held in domestic offices $ 769.70 million
      % insured (estimated) 77.67%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 9.65 millionn
      Total Liabilities $ 779.34 million
      Shareholders’ Equity $ 72.48 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 29.69 million
Total Interest Expense $ 4.15 million
Net interest income $ 25.53 million
Provision for loan and lease losses $ 2.55 million
Total non interest income $ 10.10 million
Total non interest expense $ 26.99 million
Pre-tax Net Operating Income $ 6.10 million

Bank of the James is an FDIC insured institution headquartered at 828 Main Street, Lynchburg, VA 24504.
It was founded in 1999 and has approximately $1 billion in assets. Customers can open an account at one of its 16 branches.