Financial insights of BOTJ

MyFinsight

For the quarter ending 2025-09-30, BOTJ made $28,571K in revenue. $2,752K in net income. Net profit margin of 9.63%.

Income Overview

Revenue
$28,571K
Net Income
$2,752K
Net Profit Margin
9.63%
EPS
$0.61
Unit: Thousand (K) dollars
Revenue Breakdown
Loans
Salaries and employee benefits
Time deposits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-12-31
Loans	9,492	9,341	8,906	8,577
Us government and agency obligations	540	548	454	371
Municipals - tax exempt	-	-	18	18
Mortgage backed securities	386	377	387	575
Municipals	395	354	311	326
Dividends	15	35	13	24
Corporates	136	136	135	136
Interest bearing deposits	150	127	123	140
Federal funds sold	657	720	887	907
Total interest income	11,771	11,638	11,234	11,073
Now, money market and savings	1,273	1,258	1,248	1,293
Capital notes	-	81	82	107
Time deposits	2,114	1,945	2,079	2,266
Finance leases	16	17	17	19
Other borrowings	68	87	89	71
Total interest expense	3,471	3,388	3,515	3,755
Net interest income	8,300	8,250	7,719	7,318
Provision for (recovery of) credit losses	91	-528	137	-312
Net interest income after provision for (recovery of) credit losses	8,209	8,778	7,582	7,630
Gains on sales of loans held for sale	1,242	1,589	837	948
Service charges, fees and commissions	1,046	975	981	1,013
Wealth management fees	1,362	1,300	1,255	1,212
Life insurance income	195	190	188	175
Other	297	21	22	-242
Income from sbic fund	-	-	-	468
Gain on sales of available-for-sale securities, net	27	-	-	-10
Total noninterest income	4,169	4,075	3,283	3,562
Salaries and employee benefits	5,516	5,357	4,777	4,741
Occupancy	523	497	570	482
Equipment	697	654	670	614
Supplies	153	168	142	145
Professional and other outside expense	725	-	1,715	868
Data processing	381	719	820	773
Marketing	249	237	198	159
Credit expense	216	263	186	196
Fdic insurance expense	132	120	142	111
Amortization of intangibles	140	140	140	140
Professional	-	818	-	-
Other	428	482	466	407
Total noninterest expenses	9,160	9,455	9,826	8,795
Income before income taxes	3,218	3,398	1,039	2,397
Income tax expense	466	694	197	494
Net income	2,752	2,704	842	1,903

Earnings per common share - basic	0.61	0.6	0.19	0.42
Earnings per common share - diluted	0.61	0.6	0.19	0.42
Weighted average shares outstanding - basic	4,543,338	4,543,338	4,543,338	-2,271,669
Weighted average shares outstanding - diluted	4,543,338	4,543,338	4,543,338	-2,271,669

MyFinsight

Income Overview

Revenue
$28,571K
Net Income
$2,752K
Net Profit Margin
9.63%
EPS
$0.61
Unit: Thousand (K) dollars
Revenue Breakdown
Loans
Salaries and employee benefits
Time deposits
Others

Time Plot

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

Income Statement

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Income Overview

Revenue
$28,571K
Net Income
$2,752K
Net Profit Margin
9.63%
EPS
$0.61
Unit: Thousand (K) dollars
Revenue Breakdown
Loans
Salaries and employee benefits
Time deposits
Others

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Revenue$28,571KNet Income$2,752KNet Profit Margin9.63%EPS$0.61Unit: Thousand (K) dollarsRevenue BreakdownLoansSalaries and employee benefitsTime depositsOthers

Time Plot

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

Income Statement

Income Overview

Revenue$28,571KNet Income$2,752KNet Profit Margin9.63%EPS$0.61Unit: Thousand (K) dollarsRevenue BreakdownLoansSalaries and employee benefitsTime depositsOthers

Time Plot

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

Income Statement

Revenue
$28,571K
Net Income
$2,752K
Net Profit Margin
9.63%
EPS
$0.61
Unit: Thousand (K) dollars
Revenue Breakdown
Loans
Salaries and employee benefits
Time deposits
Others

Revenue
$28,571K
Net Income
$2,752K
Net Profit Margin
9.63%
EPS
$0.61
Unit: Thousand (K) dollars
Revenue Breakdown
Loans
Salaries and employee benefits
Time deposits
Others