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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Revenue
$1,149K
Net Income
$3,240K
Net Profit Margin
281.98%
EPS
$0.71
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Service charges, fees and commissions
1,149
994
1,046
975
Gains on sale of loans held for sale
1,529
1,196
1,242
1,589
Wealth management fees
1,466
1,413
1,362
1,300
Life insurance income
214
211
195
190
Income from small business investment company
70
131
-
-
Gain on sales of securities
1
-
27
-
Other
47
19
297
21
Total noninterest income
4,476
3,964
4,169
4,075
Loans
9,737
9,427
9,492
9,341
Us government and agency obligations
619
633
540
548
Mortgage backed securities
741
450
386
377
Municipals - taxable
402
398
395
354
Corporates
-
-
136
136
Municipals - tax exempt
62
63
-
-
Dividends
34
11
15
35
Corporates
152
145
-
-
Interest bearing deposits
127
98
150
127
Federal funds sold
413
624
657
720
Total interest income
12,287
11,849
11,771
11,638
Now, money market savings
999
1,028
1,273
1,258
Capital notes
-
-
-
81
Time deposits
1,893
1,954
2,114
1,945
Finance leases
14
14
16
17
Other borrowings
127
119
68
87
Total interest expense
3,033
3,115
3,471
3,388
Net interest income
9,254
8,734
8,300
8,250
Provision for (recovery of) credit losses
350
-146
91
-528
Net interest income after provision for (recovery of) credit losses
8,904
8,880
8,209
8,778
Salaries and employee benefits
5,510
5,500
5,516
5,357
Occupancy
523
608
523
497
Equipment
706
747
697
654
Supplies
132
160
153
168
Professional and other outside expense
756
770
725
-
Data processing
519
475
381
719
Marketing
258
189
249
237
Credit expense
259
190
216
263
Fdic insurance expense
118
136
132
120
Amortization of intangibles
140
140
140
140
Professional
-
-
-
818
Other
390
450
428
482
Total noninterest expenses
9,311
9,365
9,160
9,455
Income before income taxes
4,069
3,479
3,218
3,398
Income tax expense
829
705
466
694
Net income
3,240
2,774
2,752
2,704
Basic EPS
0.71
0.61
0.61
0.6
Diluted EPS
0.71
0.61
0.61
0.6
Basic Average Shares
4,543,338
4,543,338
4,543,338
4,543,338
Diluted Average Shares
4,543,338
4,543,338
4,543,338
4,543,338
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans
$9,737K
(4.24%↑ Y/Y)
Mortgage backed
securities
$741K
(96.55%↑ Y/Y)
Us government and
agency obligations
$619K
(12.96%↑ Y/Y)
Federal funds sold
$413K
(-42.64%↓ Y/Y)
Municipals - taxable
$402K
(13.56%↑ Y/Y)
Corporates
$152K
(11.76%↑ Y/Y)
Interest bearing
deposits
$127K
(0.00%↑ Y/Y)
Municipals - tax exempt
$62K
Dividends
$34K
(-2.86%↓ Y/Y)
Total interest income
$12,287K
(5.58%↑ Y/Y)
Net interest income
$9,254K
(12.17%↑ Y/Y)
Gains on sale of loans
held for sale
$1,529K
(-3.78%↓ Y/Y)
Wealth management fees
$1,466K
(12.77%↑ Y/Y)
Service charges, fees
and commissions
$1,149K
(17.85%↑ Y/Y)
Life insurance
income
$214K
(12.63%↑ Y/Y)
Income from small
business investment...
$70K
Other
$47K
(123.81%↑ Y/Y)
Gain on sales of
securities
$1K
Total interest
expense
$3,033K
(-10.48%↓ Y/Y)
Net interest income
after provision for...
$8,904K
(1.44%↑ Y/Y)
Total noninterest
income
$4,476K
(9.84%↑ Y/Y)
Provision for (recovery
of) credit losses
$350K
(166.29%↑ Y/Y)
Time deposits
$1,893K
(-2.67%↓ Y/Y)
Now, money market
savings
$999K
(-20.59%↓ Y/Y)
Other borrowings
$127K
(45.98%↑ Y/Y)
Finance leases
$14K
(-17.65%↓ Y/Y)
Income before income
taxes
$4,069K
(19.75%↑ Y/Y)
Total noninterest
expenses
$9,311K
(-1.52%↓ Y/Y)
Net income
$3,240K
(19.82%↑ Y/Y)
Income tax expense
$829K
(19.45%↑ Y/Y)
Salaries and employee
benefits
$5,510K
(2.86%↑ Y/Y)
Professional and other
outside expense
$756K
Equipment
$706K
(7.95%↑ Y/Y)
Occupancy
$523K
(5.23%↑ Y/Y)
Data processing
$519K
(-27.82%↓ Y/Y)
Other
$390K
(-19.09%↓ Y/Y)
Credit expense
$259K
(-1.52%↓ Y/Y)
Marketing
$258K
(8.86%↑ Y/Y)
Amortization of intangibles
$140K
(0.00%↑ Y/Y)
Supplies
$132K
(-21.43%↓ Y/Y)
Fdic insurance
expense
$118K
(-1.67%↓ Y/Y)
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BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)