For the quarter ending 2025-09-30, BOTJ had $7,544K increase in cash & cash equivalents over the period. $5,485K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 2,753 | 3,546 |
| Depreciation and amortization | 331 | 662 |
| Net amortization and accretion of premiums and discounts on securities | -48 | -139 |
| Amortization of debt issuance costs | 0 | 2 |
| Gain on sales of available-for-sale securities, net | 27 | - |
| Gain on sale of equipment | 28 | - |
| Gain on sales of loans held for sale | 1,242 | 2,426 |
| Proceeds from sales of loans held for sale | 54,439 | 96,007 |
| Origination of loans held for sale | 52,737 | 94,191 |
| Recovery of provision for credit losses | 90 | -391 |
| Amortization of intangibles | 140 | 280 |
| Bank owned life insurance income | 195 | 378 |
| Decrease in interest receivable | -147 | 83 |
| Decrease (increase) in other assets | -59 | -727 |
| Increase in interest payable | 436 | 134 |
| Increase in other liabilities | 1,056 | 388 |
| Net cash provided by operating activities | 5,270 | 4,416 |
| Purchases of securities available-for-sale | 10,229 | 19,182 |
| Proceeds from maturities, calls and paydowns of securities available-for-sale | 3,874 | 15,650 |
| Proceeds from sales of securities available-for-sale | 4,227 | 0 |
| Purchases of restricted stock | 0 | 7 |
| Origination of loans, net of principal collected | 4,205 | 12,013 |
| Purchases of premises and equipment | -215 | 747 |
| Proceeds from sales of equipment | 46 | - |
| Purchase of sbic fund | 200 | 150 |
| Net cash provided by (used in) investing activities | -6,272 | -16,449 |
| Net increase in deposits | 9,269 | 28,123 |
| Principal payments on finance lease obligations | 113 | 224 |
| Repayment of capital notes | 0 | 10,050 |
| Repayment of other borrowings | 156 | 308 |
| Dividends paid to common stockholders | 454 | 910 |
| Net cash provided by financing activities | 8,546 | 16,631 |
| Increase in cash and cash equivalents | 7,544 | 4,598 |
| Cash and cash equivalents at beginning of period | 73,309 | - |
| Cash and cash equivalents at end of period | 85,451 | - |
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)