BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | -3,525 | 2,753 | 3,546 |
| Amortization of debt issuance costs | NaN | 0 | 2 |
| Depreciation and amortization | -647 | 331 | 662 |
| Gain on sales of available-for-sale securities, net | NaN | 27 | NaN |
| Net amortization and accretion of premiums and discounts on securities | 183 | -48 | -139 |
| Loss on disposal of equipment | -29 | 28 | NaN |
| Gain on sales of loans held for sale | -2,472 | 1,242 | 2,426 |
| Proceeds from sales of loans held for sale | -105,480 | 54,439 | 96,007 |
| Origination of loans held for sale | -103,753 | 52,737 | 94,191 |
| (recovery of) provision for credit losses | 155 | 90 | -391 |
| Amortization of intangibles | -280 | 140 | 280 |
| Bank owned life insurance income | -362 | 195 | 378 |
| Decrease in accrued interest receivable | -116 | -147 | 83 |
| (increase) decrease in other assets | 1,473 | -59 | -727 |
| Decrease in accrued interest payable | -612 | 436 | 134 |
| Increase (decrease) in other liabilities | 341 | 1,056 | 388 |
| Proceeds from sales of equipment | NaN | 46 | NaN |
| Net cash provided by operating activities | -4,947 | 5,270 | 4,416 |
| Purchase of sbic fund | NaN | 200 | 150 |
| Proceeds from sales of securities available-for-sale | NaN | 4,227 | 0 |
| Purchases of securities available-for-sale | 4,217 | 10,229 | 19,182 |
| Proceeds from maturities, calls and paydowns of securities available-for-sale | -17,838 | 3,874 | 15,650 |
| Purchases of restricted stock | NaN | 0 | 7 |
| Origination of loans, net of principal collected | -28,533 | 4,205 | 12,013 |
| Purchases of premises and equipment | -150 | -215 | 747 |
| Net cash used in investing activities | 2,712 | -6,272 | -16,449 |
| Net increase in deposits | -17,969 | 9,269 | 28,123 |
| Principal payments on finance lease obligations | -222 | 113 | 224 |
| Repayment of capital notes | NaN | 0 | 10,050 |
| Repayment of other borrowings | -397 | 156 | 308 |
| Dividends paid to common stockholders | -909 | 454 | 910 |
| Net cash provided by financing activities | -6,391 | 8,546 | 16,631 |
| Increase in cash and cash equivalents | -8,626 | 7,544 | 4,598 |
| Cash and cash equivalents at beginning of period | 85,451 | 73,309 | NaN |
| Cash and cash equivalents at end of period | 87,991 | 85,451 | NaN |