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

BOTJ Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	77.91	73.31	74.84	61.76	183.15	100.89
Investment Securities	143.04	132.55	125.05	121.58	127.48	78.16
Trading Asset Securities	-	0.04	-	-	-	-
Mortgage-Backed Securities	57.15	58.97	95.08	67.84	37.44	15.7
Total Investments	200.18	191.56	220.13	189.43	164.92	93.86
Gross Loans	659.62	647.21	610.59	611.63	583.38	609.09
Allowance for Loan Losses	-6.31	-7.04	-7.41	-6.26	-6.92	-7.16
Net Loans	653.32	640.17	603.18	605.37	576.47	601.93
Property, Plant & Equipment	19.04	22.43	21.93	22.25	23.12	22.24
Goodwill	2.05	2.05	2.05	2.05	3	-
Other Intangible Assets	6.45	6.73	7.29	7.85	8.41	-
Loans Held for Sale	-	-	-	2.42	1.63	7.1
Accrued Interest Receivable	3.15	3.07	2.84	2.74	2.06	2.35
Long-Term Deferred Tax Assets	7.77	-	-	-	-	-
Other Real Estate Owned & Foreclosed	-	-	-	0.57	0.76	1.11
Other Long-Term Assets	34.37	39.93	37.12	34.14	24.11	21.91
Total Assets	1,004	979.24	969.37	928.57	987.63	851.39
Interest Bearing Deposits	772.73	708.47	709.21	675.73	705.24	596.12
Institutional Deposits	-	44.25	34.97	17.53	19.53	25.5
Non-Interest Bearing Deposits	137.8	129.69	134.28	154.88	162.29	143.35
Total Deposits	910.53	882.4	878.46	848.14	887.06	764.97
Current Portion of Leases	-	0.69	-	-	-	-
Accrued Interest Payable	0.86	0.72	0.48	0.09	0.05	0.09
Long-Term Debt	8.99	19.35	19.93	20.49	21.02	10.03
Long-Term Leases	-	3.24	4.21	4.65	5.07	5.48
Other Long-Term Liabilities	11.89	7.98	6.25	4.98	5.02	4.09
Total Liabilities	932.58	914.38	909.33	878.35	918.21	784.65
Common Stock	9.72	9.72	9.72	9.91	10.15	9.29
Additional Paid-In Capital	35.25	35.25	35.25	36.07	37.23	30.99
Retained Earnings	45.44	42.8	36.68	31.03	23.44	24.67
Comprehensive Income & Other	-18.75	-22.92	-21.62	-26.78	-1.39	1.79
Shareholders' Equity	71.67	64.87	60.04	50.23	69.43	66.73
Total Liabilities & Equity	1,004	979.24	969.37	928.57	987.63	851.39
Total Debt	8.99	23.28	24.15	25.14	26.09	15.51
Net Cash (Debt)	68.92	50.08	50.69	36.62	157.07	85.38
Net Cash Growth	25.32%	-1.22%	38.43%	-76.69%	83.97%	585.81%
Net Cash Per Share	15.17	11.02	11.11	7.79	33.08	17.88
Filing Date Shares Outstanding	4.54	4.54	4.54	4.58	4.74	4.76
Total Common Shares Outstanding	4.54	4.54	4.54	4.63	4.74	4.77
Book Value Per Share	15.77	14.28	13.21	10.85	14.65	13.98
Tangible Book Value	63.17	56.09	50.7	40.33	58.02	66.73
Tangible Book Value Per Share	13.90	12.34	11.16	8.71	12.24	13.98

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

SEC Filings: 10-K · 10-Q