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	22.59	23.29	25.61	30.03	29.34	31.68
Securities and Investments	200.18	191.52	220.13	189.43	164.92	93.86
Short-Term Interbank Lending and Reverse Repurchase Agreements	55.32	50.02	49.23	31.74	153.82	69.2
Other Earning Assets	4.23	3.62	1.26	2.42	1.63	7.1
Net Loans	649.09	636.55	601.92	605.37	576.47	601.93
Net Property, Plant & Equipment	19.04	19.31	18.14	17.97	18.35	16.98
Accrued Interest and Accounts Receivable	3.15	3.07	2.84	2.74	2.06	2.35
Other Intangible Assets	6.45	6.73	7.29	7.85	8.41	-
Goodwill	2.05	2.05	2.05	2.05	3	-
Long-Term Investments	1.83	1.82	1.54	1.39	1.32	1.55
Other Non-Earning Assets	40.32	41.27	39.37	37.6	28.32	26.73
Total Assets	1,004	979.24	969.37	928.57	987.63	851.39
Interest-bearing deposits	772.73	752.71	744.18	693.25	724.77	621.62
Noninterest-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
Accrued Expenses	1.17	0.81	0.48	0.09	0.05	0.09
Long-Term Debt	8.99	19.35	19.93	20.49	21.02	10.03
Other Liabilities	11.89	11.82	10.46	9.62	10.09	9.58
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
Accumulated Other Comprehensive Income	-18.75	-22.92	-21.62	-26.78	-1.39	1.79
Retained Earnings	45.44	42.8	36.68	31.03	23.44	24.67
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	19.35	19.93	20.49	21.02	10.03
Net Cash (Debt)	-8.99	-19.35	-19.93	-20.49	-21.02	-10.03
Net Cash Per Share	-1.98	-4.26	-4.37	-4.36	-4.43	-2.10
Book Value	71.67	64.87	60.04	50.23	69.43	66.73
Book Value Per Share	15.77	14.28	13.16	10.69	14.62	13.97
Tangible Book Value	63.17	56.09	50.7	40.33	58.02	66.73
Tangible Book Value Per Share	13.90	12.34	11.11	8.58	12.22	13.97

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q