Financial insights of BOTJ

MyFinsight

For the quarter ending 2026-03-31, BOTJ made $994K in revenue. $2,774K in net income. Net profit margin of 279.07%.

Income Overview

Revenue
$994K
Net Income
$2,774K
Net Profit Margin
279.07%
EPS
$0.61
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-09-30	2025-06-30	2025-03-31
Service charges, fees and commissions	994	1,046	975	981
Gains on sale of loans held for sale	1,196	1,242	1,589	837
Wealth management fees	1,413	1,362	1,300	1,255
Life insurance income	211	195	190	188
Income from small business investment company	131	-	-	-
Other	19	297	21	22
Gain on sales of available-for-sale securities, net	-	27	-	-
Total noninterest income	3,964	4,169	4,075	3,283
Loans	9,427	9,492	9,341	8,906
Us government and agency obligations	633	540	548	454
Mortgage backed securities	450	386	377	387
Municipals - taxable	398	395	354	311
Corporates	-	136	136	135
Municipals - tax exempt	63	-	-	18
Dividends	11	15	35	13
Corporates	145	-	-	-
Interest bearing deposits	98	150	127	123
Federal funds sold	624	657	720	887
Total interest income	11,849	11,771	11,638	11,234
Now, money market savings	1,028	1,273	1,258	1,248
Capital notes	-	-	81	82
Time deposits	1,954	2,114	1,945	2,079
Finance leases	14	16	17	17
Other borrowings	119	68	87	89
Total interest expense	3,115	3,471	3,388	3,515
Net interest income	8,734	8,300	8,250	7,719
(recovery of) provision for credit losses	-146	91	-528	137
Net interest income after (recovery of) provision for credit losses	8,880	8,209	8,778	7,582
Salaries and employee benefits	5,500	5,516	5,357	4,777
Occupancy	608	523	497	570
Equipment	747	697	654	670
Supplies	160	153	168	142
Professional and other outside expense	770	725	-	1,715
Data processing	475	381	719	820
Marketing	189	249	237	198
Credit expense	190	216	263	186
Fdic insurance expense	136	132	120	142
Amortization of intangibles	140	140	140	140
Professional	-	-	818	-
Other	450	428	482	466
Total noninterest expenses	9,365	9,160	9,455	9,826
Income before income taxes	3,479	3,218	3,398	1,039
Income tax expense	705	466	694	197
Net income	2,774	2,752	2,704	842

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

Revenue
$994K
Net Income
$2,774K
Net Profit Margin
279.07%
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

Revenue
$994K
Net Income
$2,774K
Net Profit Margin
279.07%
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

Revenue$994KNet Income$2,774KNet Profit Margin279.07%EPS$0.61Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Revenue$994KNet Income$2,774KNet Profit Margin279.07%EPS$0.61Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Revenue
$994K
Net Income
$2,774K
Net Profit Margin
279.07%
EPS
$0.61
Unit: Thousand (K) dollars

Revenue
$994K
Net Income
$2,774K
Net Profit Margin
279.07%
EPS
$0.61
Unit: Thousand (K) dollars