botj: the income statement

MyFinsight

BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)

For the quarter ending 2025-06-30, BOTJ made $975K in revenue. $2,704K in net income. Net profit margin of 277.33%.

Overview

Revenue
$975K
Net Income
$2,704K
Net Profit Margin
277.33%
EPS
$0.6
Unit: Thousand (K) dollars

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

	2025-06-30	2025-03-31	2024-09-30	2024-06-30
Service charges, fees and commissions	975	981	991	986
Other	21	22	31	533
Wealth management fees	1,300	1,255	1,244	1,176
Gain on sales of loans held for sale	1,589	837	1,326	1,273
Bank owned life insurance income	190	188	189	183
Equity securities, fv-ni, realized gain (loss)	-	-	42	40
Total noninterest income	4,075	3,283	3,823	4,191
Professional and other outside expense	-	1,715	-	-
Supplies	168	142	131	121
Professional	818	-	718	695
Other	482	466	445	434
Occupancy	497	570	514	486
Marketing	237	198	220	231
Salaries and employee benefits	5,357	4,777	4,920	4,892
Fdic insurance expense	120	142	94	126
Equipment	654	670	640	632
Amortization of intangibles	140	140	140	140
Data processing	719	820	764	748
Credit expense	263	186	190	234
Total noninterest expenses	9,455	9,826	8,776	8,739
Recovery of credit losses	-528	137	92	-123
Time deposits	1,945	2,079	2,375	2,266
Other borrowings	87	89	92	94
Now, money market and savings	1,258	1,248	1,487	1,383
Capital notes	81	82	82	81
Finance leases	17	17	18	20
Total interest expense	3,388	3,515	4,054	3,844
Municipals - tax exempt	-	18	18	19
Municipals	354	311	298	288
Us government and agency obligations	548	454	369	361
Mortgage backed securities	377	387	442	723
Federal funds sold	720	887	981	834
Interest bearing deposits	127	123	303	192
Loans	9,341	8,906	9,004	8,347
Corporates	136	135	136	136
Dividends	35	13	12	35
Total interest income	11,638	11,234	11,563	10,935
Net interest income	8,250	7,719	7,509	7,091
Net interest income after recovery of credit losses	8,778	7,582	7,417	7,214
Income before income taxes	3,398	1,039	2,464	2,666
Income tax expense	694	197	474	518
Net income	2,704	842	1,990	2,148

Earnings per common share - basic	0.6	0.19	0.44	0.47
Earnings per common share - diluted	0.6	0.19	0.44	0.47
Weighted average shares outstanding - basic	4,543,338	4,543,338	4,543,338	4,543,338
Weighted average shares outstanding - diluted	4,543,338	4,543,338	4,543,338	4,543,338

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

MyFinsight

Overview

Revenue
$975K
Net Income
$2,704K
Net Profit Margin
277.33%
EPS
$0.6
Unit: Thousand (K) dollars

Income Statement

DownloadDownload image

Overview

Revenue
$975K
Net Income
$2,704K
Net Profit Margin
277.33%
EPS
$0.6
Unit: Thousand (K) dollars

Income Statement

DownloadDownload image

Overview

Revenue$975KNet Income$2,704KNet Profit Margin277.33%EPS$0.6Unit: Thousand (K) dollars

Income Statement

Overview

Revenue$975KNet Income$2,704KNet Profit Margin277.33%EPS$0.6Unit: Thousand (K) dollars

Income Statement

Revenue
$975K
Net Income
$2,704K
Net Profit Margin
277.33%
EPS
$0.6
Unit: Thousand (K) dollars

Revenue
$975K
Net Income
$2,704K
Net Profit Margin
277.33%
EPS
$0.6
Unit: Thousand (K) dollars