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Cash Flow Overview

Change in Cash
-$52,446K
Free Cash flow
$332K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sales of loans hel...
    • Net income
    • Proceeds from maturities, calls ...
    • Others
Negative Cash Flow Breakdown
    • Origination of loans held for sa...
    • Origination of loans, net of pri...
    • Net (decrease) increase in depos...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Net income
3,240
-3,525
2,753
3,546
Amortization of debt issuance costs
-
-
0
2
Depreciation and amortization
352
-647
331
662
Net amortization and accretion of premiums and discounts on securities
8
183
-48
-139
Gain on sales of securities available-for-sale
-26
-
27
-
Loss on disposal of equipment
-
-29
28
-
Gain on sales of loans held for sale
1,529
-2,472
1,242
2,426
Proceeds from sales of loans held for sale
51,329
-105,480
54,439
96,007
Origination of loans held for sale
52,574
-103,753
52,737
94,191
Provision for (recovery of) credit losses
350
155
90
-391
Amortization of intangibles
140
-280
140
280
Bank owned life insurance income
214
-362
195
378
Increase in accrued interest receivable
192
-116
-147
83
(increase) decrease in other assets
109
1,473
-59
-727
(decrease) increase in accrued interest payable
-4
-612
436
134
Increase in other liabilities
-147
341
1,056
388
Net cash provided by operating activities
632
-4,947
5,270
4,416
Purchases of securities available-for-sale
1,011
4,217
10,229
19,182
Proceeds from maturities, calls and paydowns of securities available-for-sale
2,144
-17,838
3,874
15,650
Proceeds from sales of securities available-for-sale
1,361
-
4,227
0
Purchases of restricted securities
37
-
0
7
Origination of loans, net of principal collected
37,360
-28,533
4,205
12,013
Purchases of premises and equipment
300
-150
-215
747
Proceeds from sales of equipment
-
-
46
-
Purchase of sbic fund
-250
-
200
150
Net cash used in investing activities
-31,083
2,712
-6,272
-16,449
Net (decrease) increase in deposits
-21,368
-17,969
9,269
28,123
Principal payments on finance lease obligations
115
-222
113
224
Repayment of capital notes
-
-
0
10,050
Repayment of other borrowings
58
-397
156
308
Dividends paid to common stockholders
454
-909
454
910
Net cash (used in) provided by financing activities
-21,995
-6,391
8,546
16,631
(decrease) increase in cash and cash equivalents
-52,446
-8,626
7,544
4,598
Cash and cash equivalents at beginning of period
85,451
85,451
73,309
-
Cash and cash equivalents at end of period
35,545
87,991
85,451
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from sales ofloans held for sale$51,329K (-46.54%↓ Y/Y)Net income$3,240K (-8.63%↓ Y/Y)Depreciation andamortization$352K (-46.83%↓ Y/Y)Provision for (recoveryof) credit losses$350K (189.51%↑ Y/Y)Amortization of intangibles$140K (-50.00%↓ Y/Y)Net cash provided byoperating activities$632K (-85.69%↓ Y/Y)Canceled cashflow$54,777K (decrease) increase in cashand cash...-$52,446K (-1240.63%↓ Y/Y)Canceled cashflow$632K something is missing$3,870K Proceeds frommaturities, calls and...$2,144K (-86.30%↓ Y/Y)Proceeds from sales ofsecurities...$1,361K Purchase of sbic fund-$250K (-266.67%↓ Y/Y)Origination of loans held forsale$52,574K (-44.18%↓ Y/Y)Gain on sales of loansheld for sale$1,529K (-36.97%↓ Y/Y)Bank owned lifeinsurance income$214K (-43.39%↓ Y/Y)Increase in accruedinterest receivable$192K (131.33%↑ Y/Y)Increase in otherliabilities-$147K (-137.89%↓ Y/Y)(increase) decrease inother assets$109K (114.99%↑ Y/Y)Net amortizationand accretion of...$8K (105.76%↑ Y/Y)(decrease) increase inaccrued interest...-$4K (-102.99%↓ Y/Y)Net cash used ininvesting activities-$31,083K (-88.97%↓ Y/Y)Net cash (used in)provided by financing...-$21,995K (-232.25%↓ Y/Y)Canceled cashflow$7,625K Origination of loans, net ofprincipal collected$37,360K (211.00%↑ Y/Y)Net (decrease)increase in deposits-$21,368K (-175.98%↓ Y/Y)Dividends paid to commonstockholders$454K (-50.11%↓ Y/Y)Principal payments onfinance lease...$115K (-48.66%↓ Y/Y)Repayment of otherborrowings$58K (-81.17%↓ Y/Y)Purchases of securitiesavailable-for-sale$1,011K (-94.73%↓ Y/Y)Purchases of premises andequipment$300K (-59.84%↓ Y/Y)Purchases of restrictedsecurities$37K (428.57%↑ Y/Y)

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)