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	2024-09-30
Loans	9,492	9,341	8,906	9,004
Us government and agency obligations	540	548	454	369
Municipals - tax exempt	-	-	18	18
Mortgage backed securities	386	377	387	442
Municipals	395	354	311	298
Dividends	15	35	13	12
Corporates	136	136	135	136
Interest bearing deposits	150	127	123	303
Federal funds sold	657	720	887	981
Capital notes	-	81	82	82
Total interest income	11,771	11,638	11,234	11,563
Now, money market and savings	1,273	1,258	1,248	1,487
Time deposits	2,114	1,945	2,079	2,375
Finance leases	16	17	17	18
Other borrowings	68	87	89	92
Total interest expense	3,471	3,388	3,515	4,054
Net interest income	8,300	8,250	7,719	7,509
Provision for (recovery of) credit losses	91	-528	137	92
Net interest income after provision for (recovery of) credit losses	8,209	8,778	7,582	7,417
Gains on sales of loans held for sale	1,242	1,589	837	1,326
Service charges, fees and commissions	1,046	975	981	991
Wealth management fees	1,362	1,300	1,255	1,244
Life insurance income	195	190	188	189
Other	297	21	22	31
Gain on sales of available-for-sale securities, net	27	-	-	42
Total noninterest income	4,169	4,075	3,283	3,823
Salaries and employee benefits	5,516	5,357	4,777	4,920
Occupancy	523	497	570	514
Equipment	697	654	670	640
Supplies	153	168	142	131
Professional and other outside expense	725	-	1,715	-
Data processing	381	719	820	764
Marketing	249	237	198	220
Credit expense	216	263	186	190
Fdic insurance expense	132	120	142	94
Amortization of intangibles	140	140	140	140
Professional	-	818	-	718
Other	428	482	466	445
Total noninterest expenses	9,160	9,455	9,826	8,776
Income before income taxes	3,218	3,398	1,039	2,464
Income tax expense	466	694	197	474
Net income	2,752	2,704	842	1,990

Earnings per common share - basic	0.61	0.6	0.19	0.44
Earnings per common share - diluted	0.61	0.6	0.19	0.44
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

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

DownloadDownload image

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