BANK OF THE JAMES FINANCIAL GROUP, INC. (BOTJ)

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=jivedata("BOTJ","financials")

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BANK OF THE JAMES FINANCIAL GROUP, INC.

BOTJ • CIK 0001275101

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest and Fee Income, Loans and Leases	$31,378	$34,505	$37,254	$38,171
Interest Income, Deposits with Financial Institutions	$496	$775	$559	$534
Interest Income (Expense), Net	$29,740	$29,236	$32,807	$34,826
Interest Income, Federal Funds Sold	$2,462	$3,629	$3,020	$2,450
Provision for Loan, Lease, and Other Losses	$-179	$-655	$-35	$560
Interest and Dividend Income, Operating	$39,362	$44,643	$46,655	$47,919
Interest Income (Expense), after Provision for Loan Loss	$29,919	$29,891	$32,842	$34,266
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$10,279	$9,923	$11,145	$14,256
Income Tax Expense (Benefit)	$1,575	$1,979	$2,123	$2,766
Net Income (Loss) Attributable to Parent	$8,704	$7,944	$9,022	$11,490
Weighted Average Number of Shares Outstanding, Basic	4,562,374	4,543,338	4,543,338	4,543,338
Interest Income, Securities, US Treasury	—	—	$2,121	$2,371
Interest Income, Securities, Mortgage Backed	$1,899	$2,315	$1,545	$1,972
Interest Income, Securities, State and Municipal	$1,139	$1,237	$1,393	$1,510
Interest Expense, Other Long-term Debt	$398	$327	$389	$459
Interest Income, Securities, Operating, Tax Exempt	$73	$73	$135	$218
Interest Expense, Medium-term Notes	$327	$376	$163	$163
Dividend Income, Operating	$82	$95	$98	$95
InterestExpenseOperating	—	$15,407	$13,848	$13,093
Interest Income, Securities, Corporate Debt, Operating	—	—	$530	$556
Gain (Loss) on Sales of Loans, Net	$3,938	$4,494	$4,853	$5,152
Revenue from Contract with Customer, Including Assessed Tax	$3,901	$4,003	$4,273	$4,460
Investment Banking Revenue	$4,197	$4,843	$5,347	$5,671
Bank Owned Life Insurance Income	$548	$721	$769	$816
Noninterest Income, Other	$283	$80	$77	$100
Equity Securities, FV-NI, Realized Gain (Loss)	—	$62	$27	$27
Noninterest Income	$12,867	$15,137	$15,852	$16,934
Labor and Related Expense	$18,311	$19,294	$20,960	$21,836
Occupancy, Net	$1,819	$1,964	$2,136	$2,200
Equipment Expense	$2,416	$2,499	$2,765	$2,894
Supplies Expense	$530	$542	$631	$613
Marketing Expense	$919	$768	$867	$879
Federal Deposit Insurance Corporation Premium Expense	$419	$441	$518	$510
Amortization of Intangible Assets	$560	$560	$561	$561
Other Noninterest Expense	$1,392	$1,693	$1,753	$1,645
Noninterest Expense	$32,507	$35,105	$37,549	$36,944
Interest Expense, NOW Accounts, Money Market Accounts, and Savings Deposits	$2,984	$5,455	$4,949	$4,470
Interest Expense, Time Deposits	$5,796	$9,173	$8,282	$8,105

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Due from Banks	$25,613	$23,287	$28,538	$24,675
Federal Funds Sold	$49,225	$50,022	$55,937	$10,870
Cash, Cash Equivalents, and Federal Funds Sold	$74,838	$73,309	$84,475	$35,545
Debt Securities, Held-to-maturity	$3,622	$3,606	$3,590	$3,581
Debt Securities, Available-for-sale	$216,510	$187,916	$214,128	$236,832
Restricted Investments	$1,541	$1,821	$1,828	$1,872
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$601,921	$636,552	$661,357	$686,084
Loans Held-for-sale, Fair Value Disclosure	$1,258	$3,616	$3,472	$5,651
Property, Plant and Equipment, Net	$18,141	$18,959	$19,132	$19,051
Interest Receivable	$2,835	$3,065	$3,380	$3,392
Bank Owned Life Insurance	$21,586	$22,907	$23,676	$24,101
Finite-Lived Intangible Assets, Net	$7,285	$6,725	$6,164	$5,884
Goodwill	$2,054	$2,054	$2,054	$2,054
Other Assets	$17,780	$18,714	$15,768	$17,260
Assets	$969,371	$979,244	$1,039,024	$1,041,307
Deposits	$878,459	$882,404	$937,129	$935,184
Notes Payable	$10,042	$10,048	$10,048	$10,049
Other Borrowings	$9,890	$9,300	$8,796	$8,671
Interest Payable	$480	$722	$1,167	$1,121
Other Liabilities	$10,461	$11,905	$11,884	$13,178
Liabilities	$909,332	$914,379	$958,976	$958,154
Noninterest-bearing Deposit Liabilities	$134,275	$129,692	$131,456	$136,390
Deposits, Negotiable Order of Withdrawal (NOW)	$538,229	$522,208	$570,345	$563,425
Time Deposits	$205,955	$230,504	$235,328	$235,369
Common Stock, Value, Issued	$9,723	$9,723	$9,723	$9,723
Additional Paid in Capital, Common Stock	$35,253	$35,253	$35,253	$35,253
Retained Earnings (Accumulated Deficit)	$36,678	$42,804	$50,009	$55,114
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-21,615	$-22,915	$-14,937	$-16,937
Stockholders' Equity Attributable to Parent	$60,039	$64,865	$80,048	$83,153
Debt Securities, Held-to-maturity, Fair Value	$3,231	$3,170	$3,315	$3,267
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	$7,412	$7,044	$6,450	$6,597
Common Stock, Shares Authorized	10,000,000	10,000,000	10,000,000	10,000,000
Common Stock, Shares, Issued	4,543,338	4,543,338	4,543,338	4,543,338

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss) Attributable to Parent	$8,704	$7,944	$9,022	$11,490
Net Cash Provided by (Used in) Operating Activities	$9,492	$8,509	$11,660	$12,615
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	$13,076	$-1,529	$11,166	$-42,362
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$74,838	$73,309	$84,475	$77,500
Depreciation, Depletion and Amortization	$1,407	$1,378	$1,328	$1,364
Payments to Acquire Debt Securities, Available-for-sale	$34,853	$20,752	$44,263	$59,720
Accretion (Amortization) of Discounts and Premiums, Investments	$-1,440	$-571	$-211	$-68
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$12,127	$15,854	$23,754	$11,934
Amortization of Debt Issuance Costs	$10	$6	$2	$2
Proceeds from Sale of Debt Securities, Available-for-sale	$7,681	$31,353	$4,227	$9,815
Debt Securities, Available-for-sale, Realized Gain (Loss)	$-3	$62	$27	$27
Payment to Acquire Life Insurance Policy, Investing Activities	$1,800	$600	$600	$600
Gain (Loss) on Disposition of Property Plant Equipment	$18	—	$28	$28
Payments to Acquire Restricted Investments	—	$251	$7	$44
Gain (Loss) on Sales of Loans, Net	$3,938	$4,494	$4,853	$5,152
Proceeds from Sale of Loans Held-for-sale	$169,614	$192,805	$177,382	$177,670
Payments to Acquire Property, Plant, and Equipment	$1,574	$2,550	$1,165	$1,100
Payments for Origination of Mortgage Loans Held-for-sale	$164,511	$190,669	$172,385	$173,943
Proceeds from Sale of Machinery and Equipment	$30	—	$46	$46
Increase (Decrease) in Deferred Income Taxes	—	—	$156	$156
Payments to Acquire Other Investments	$927	$100	$350	$300
Provision for Loan, Lease, and Other Losses	$-179	$-655	$-35	$560
Net Cash Provided by (Used in) Investing Activities	$-23,335	$-11,173	$-42,397	$-77,040
Amortization of Intangible Assets	$560	$560	$561	$561
Bank Owned Life Insurance Income	$548	$721	$769	$816
Increase (Decrease) in Accrued Interest Receivable, Net	$99	$230	$315	$244
Increase (Decrease) in Other Operating Assets	$3,512	$-50	$-979	$544
Increase (Decrease) in Interest Payable, Net	$391	$242	$445	$265
Increase (Decrease) in Other Operating Liabilities	$483	$1,756	$298	$1,548
Increase (Decrease) in Deposits	$30,321	$3,945	$54,725	$24,657
Finance Lease, Principal Payments	$367	$402	$451	$457
Repayments of Notes Payable	—	—	$10,050	$10,050
Repayments of Other Debt	—	—	$504	$321
Payments of Ordinary Dividends, Common Stock	$1,461	$1,818	$1,817	$1,816
Net Cash Provided by (Used in) Financing Activities	$26,919	$1,135	$41,903	$22,063
Debt Securities, Available-for-sale, Unrealized Gain (Loss)	—	—	$10,098	$2,300
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	—	$212	$212	$212
Interest Paid, Excluding Capitalized Interest, Operating Activities	$9,231	$15,165	$13,403	$12,828
Income Taxes Paid, Net	$1,865	$1,850	$2,340	$3,261

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Import this data to Google Sheets with:

=jivedata("BOTJ","financials")

Full statements spill as a table. For one cell: =jivedata("BOTJ","Revenue") or =jivedata("BOTJ","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.