Financial insights of BOTJ

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$2,752K
EPS
$0.61
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-12-31
Loans	9,492	9,341	8,906	8,480*
Us government and agency obligations	540	548	454	376*
Municipals - tax exempt	-	-	18	18*
Mortgage backed securities	386	377	387	568*
Municipals	395	354	311	358*
Dividends	15	35	13	25*
Corporates	136	136	135	135*
Interest bearing deposits	150	127	123	33*
Federal funds sold	657	720	887	907*
Total interest income	11,771	11,638	11,234	10,897*
Now, money market and savings	1,273	1,258	1,248	1,150*
Capital notes	-	81	82	132*
Time deposits	2,114	1,945	2,079	2,212*
Finance leases	16	17	17	19*
Other borrowings	68	87	89	48*
Total interest expense	3,471	3,388	3,515	3,560*
Net interest income	8,300	8,250	7,719	7,337*
Provision for (recovery of) credit losses	91	-528	137	-608*
Net interest income after provision for (recovery of) credit losses	8,209	8,778	7,582	7,945*
Gains on sales of loans held for sale	1,242	1,589	837	596*
Service charges, fees and commissions	1,046	975	981	1,038*
Wealth management fees	1,362	1,300	1,255	1,914*
Life insurance income	195	190	188	163*
Other	297	21	22	-766*
Income from sbic fund	-	-	-	234*
Loss on sales of available-for-sale securities, net	27	-	-	-61*
Total noninterest income	4,169	4,075	3,283	3,116*
Salaries and employee benefits	5,516	5,357	4,777	5,060*
Occupancy	523	497	570	464*
Equipment	697	654	670	591*
Supplies	153	168	142	164*
Professional and other outside expense	725	-	1,715	868*
Data processing	381	719	820	789*
Marketing	249	237	198	92*
Credit expense	216	263	186	180*
Fdic insurance expense	132	120	142	111*
Amortization of intangibles	140	140	140	140*
Professional	-	818	-	-
Other	428	482	466	375*
Total noninterest expenses	9,160	9,455	9,826	8,833*
Income before income taxes	3,218	3,398	1,039	2,228*
Income tax expense	466	694	197	491*
Net income	2,752	2,704	842	1,737

Basic EPS	0.61	0.6	0.19	0.382
Diluted EPS	0.61	0.6	0.19	0.382
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

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$2,752K
EPS
$0.61
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

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Income Overview

Net Income
$2,752K
EPS
$0.61
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Net Income$2,752KEPS$0.61Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$2,752KEPS$0.61Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$2,752K
EPS
$0.61
Unit: Thousand (K) dollars

Net Income
$2,752K
EPS
$0.61
Unit: Thousand (K) dollars