Bank of the James Financial Group Inc. (BOTJ) Financial Statements (2025 and earlier)

Company Profile

Business Address P O BOX 1200
LYNCHBURG, VA 24505
State of Incorp. VA
Fiscal Year End December 31
Industry (SIC) 6022 - State Commercial Banks (benchmarking)
More info Complete Financial Analysis Financial Benchmarking

Balance Sheet (Statement of Financial Position) ($ in thousands)

3/31/2025
MRQ
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
12/31/2019
ASSETS
Current Assets
Cash, cash equivalents, and short-term investments23,28725,61330,02529,33731,68330,794
Cash and cash equivalent23,28725,61330,02529,33731,68330,794
Total current assets:23,28725,61330,02529,33731,68330,794
Noncurrent Assets
Finance lease, right-of-use asset, after accumulated amortization 2,2452,6593,0743,4883,9024,316
Operating lease, right-of-use asset 1,2271,1251,2041,2821,3601,508
Property, plant and equipment18,95918,14117,97418,35116,98216,698
Intangible assets, net (including goodwill)8,7799,3399,89911,407  
Goodwill2,0542,0542,0543,001  
Intangible assets, net (excluding goodwill)6,7257,2857,8458,406  
Deferred income tax assets      1,177
Total noncurrent assets:31,21031,26432,15134,52822,24423,699
Other undisclosed assets924,747912,494866,395923,769797,459670,901
TOTAL ASSETS:979,244969,371928,571987,634851,386725,394
LIABILITIES AND EQUITY
Liabilities
Current Liabilities
Noncurrent Liabilities
Other undisclosed liabilities914,379909,332878,345918,205784,654663,949
Total liabilities:914,379909,332878,345918,205784,654663,949
Equity
Equity, attributable to parent64,86560,03950,22669,42966,73261,445
Common stock9,7239,7239,90510,1459,2869,325
Additional paid in capital35,25335,25336,06837,23030,98931,225
Accumulated other comprehensive income (loss)(22,915)(21,615)(26,781)(1,386)1,792(5)
Retained earnings42,80436,67831,03423,44024,66520,900
Total equity:64,86560,03950,22669,42966,73261,445
TOTAL LIABILITIES AND EQUITY:979,244969,371928,571987,634851,386725,394

Income Statement (P&L) ($ in thousands)

3/31/2025
TTM
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
12/31/2019
Revenues48,47642,62636,50535,05336,11332,689
Gain on disposition of assets for financial service operations4,5563,9385,2568,2657,8124,254
Net investment income39,07734,49127,31726,78828,30128,435
Cost of revenue
(Provision for Loan, Lease, and Other Losses)
    (2,548)(523)
Gross profit:48,47642,62636,50535,05333,56532,166
Operating expenses(3,834)(3,828)(3,815)(3,078)(2,784)(3,118)
Operating income:44,64238,79832,69031,97530,78129,048
Nonoperating income
(Bank Owned Life Insurance Income)
721548452430436679
Interest and debt expense (76)(9,622)(2,150)(2,102)(4,540)(5,264)
Other undisclosed loss from continuing operations before equity method investments, income taxes    (20,498)(17,529)
Income from continuing operations before equity method investments, income taxes:45,28729,72430,99230,3036,1796,934
Other undisclosed loss from continuing operations before income taxes(35,364)(19,445)(19,882)(20,852)  
Income from continuing operations before income taxes:9,92310,27911,1109,4516,1796,934
Income tax expense(1,979)(1,575)(2,151)(1,862)(1,199)(1,329)
Income from continuing operations:7,9448,7048,9597,5894,9805,605
Income before gain (loss) on sale of properties:7,5894,9805,605
Net income available to common stockholders, diluted:7,9448,7048,9597,5894,9805,605

Comprehensive Income ($ in thousands)

3/31/2025
TTM
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
12/31/2019
Net income:7,9448,7048,9597,5894,9805,605
Comprehensive income:7,9448,7048,9597,5894,9805,605
Other undisclosed comprehensive income (loss), net of tax, attributable to parent(1,300)5,166(25,395)(3,178)1,7972,238
Comprehensive income (loss), net of tax, attributable to parent:6,64413,870(16,436)4,4116,7777,843

Statements Sources

The financial statements are based on the Company's filings with the U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). The information is derived from the 10-K and 10-Q reports submitted to the SEC in XBRL (eXtensible Business Reporting Language) format and presented according to the US GAAP Taxonomy. Please review the original filings for a more detailed information.

Login to ReadyRatios

 

Have you forgotten your password?

Are you a new user?

Login As
You can log in if you are registered at one of these services: