Bank of the James Financial Group, Inc. (BOTJ)

BOTJ Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	36.87	34.51	31.38	26.18	26.53	28.02
Interest Income on Investments	9.41	10.14	7.98	5.68	2.65	1.67
Total Interest Income	46.28	44.64	39.36	31.85	29.18	29.69
Interest Paid on Deposits	13.67	14.63	8.78	1.29	1.67	4.15
Interest Paid on Borrowings	0.66	0.78	0.84	0.86	0.43	0.39
Total Interest Expense	14.32	15.41	9.62	2.15	2.1	4.54
Net Interest Income	31.96	29.24	29.74	29.7	27.08	25.15
Net Interest Income Growth (YoY)	10.42%	-1.70%	0.13%	9.69%	7.69%	2.42%
Trust Income	5.18	4.84	4.2	3.93	-	-
Gain (Loss) on Sale of Investments	0.01	0.06	-	-0	-	0.64
Other Non-Interest Income	5.52	5.74	4.73	4.06	2.94	2.52
Total Non-Interest Income	15.34	15.14	12.87	13.24	11.21	10.98
Non-Interest Income Growth (YoY)	5.81%	17.64%	-2.85%	18.15%	2.13%	52.69%
Revenues Before Loan Losses	47.3	44.37	42.61	42.95	38.29	36.12
Provision for Loan Losses	-0.37	-0.66	-0.18	-0.9	-0.5	2.55
Revenue	47.67	45.03	42.79	43.85	38.79	33.57
Revenue Growth (YoY)	8.53%	5.24%	-2.42%	13.04%	15.53%	7.55%
Salaries and Employee Benefits	20.69	19.29	18.31	17.68	16.27	14.62
Federal Deposit Insurance	0.51	0.44	0.42	0.5	0.55	0.34
Amortization of Goodwill & Intangibles	0.56	0.56	0.56	0.56	-	-
Selling, General & Administrative	13.51	12.3	10.98	10.86	9.8	8.93
Other Non-Interest Expense	2.68	2.51	2.2	2.92	2.61	2.36
Total Non-Interest Expense	37.94	35.11	32.51	32.74	29.34	26.69
EBT Excluding Unusual Items	9.73	9.92	10.28	11.11	9.45	6.88
Pretax Income	9.73	9.92	10.28	11.11	9.45	6.18
Income Tax Expense	1.81	1.98	1.58	2.15	1.86	1.2
Net Income	7.92	7.94	8.7	8.96	7.59	4.98
Net Income to Common	7.92	7.94	8.7	8.96	7.59	4.98
Net Income Growth	-6.14%	-8.73%	-2.85%	18.05%	52.39%	-11.15%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change (YoY)	0.00%	-0.42%	-2.89%	-1.05%	-0.58%	-0.91%
EPS (Basic)	1.74	1.75	1.91	1.91	1.60	1.04
EPS (Diluted)	1.74	1.75	1.91	1.91	1.60	1.04
EPS Growth	-6.14%	-8.35%	0.04%	19.30%	53.69%	-10.62%
Dividend Per Share	0.400	0.400	0.340	0.290	0.274	0.255
Dividend Growth	-	17.65%	17.24%	5.84%	7.66%	11.97%
Effective Tax Rate	18.60%	19.94%	15.32%	19.36%	19.70%	19.40%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q