BOTJ Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	39.11	37.25	34.51	31.38	26.18	26.53
Interest Income on Investments	9.92	9.4	10.14	7.98	5.68	2.65
Total Interest Income	49.03	46.66	44.64	39.36	31.85	29.18
Interest Paid on Deposits	12.11	13.23	14.63	8.78	1.29	1.67
Interest Paid on Borrowings	0.67	0.62	0.78	0.84	0.86	0.43
Total Interest Expense	12.78	13.85	15.41	9.62	2.15	2.1
Net Interest Income	36.25	32.81	29.24	29.74	29.7	27.08
Net Interest Income Growth	13.43%	12.21%	-1.70%	0.13%	9.69%	7.69%
Trust Income	5.81	5.35	4.84	4.2	3.93	-
Gain (Loss) on Sale of Investments	0	0.03	0.06	-	-0	-
Other Non-Interest Income	5.91	5.63	5.74	4.73	4.06	2.94
Total Non-Interest Income	16.94	15.85	15.14	12.87	13.24	11.21
Non-Interest Income Growth	10.44%	4.72%	17.64%	-2.85%	18.15%	2.13%
Revenues Before Loan Losses	53.19	48.66	44.37	42.61	42.95	38.29
Provision for Loan Losses	0.5	-0.04	-0.66	-0.18	-0.9	-0.5
Revenue	52.69	48.69	45.03	42.79	43.85	38.79
Revenue Growth	10.53%	8.14%	5.24%	-2.42%	13.04%	15.53%
Salaries and Employee Benefits	21.95	20.96	19.29	18.31	17.68	16.27
Federal Deposit Insurance	0.5	0.52	0.44	0.42	0.5	0.55
Amortization of Goodwill & Intangibles	0.56	0.56	0.56	0.56	0.56	-
Selling, General & Administrative	11.79	12.85	12.3	10.98	10.86	9.8
Other Non-Interest Expense	2.68	2.66	2.51	2.2	2.92	2.61
Total Non-Interest Expense	37.48	37.55	35.11	32.51	32.74	29.34
EBT Excluding Unusual Items	15.21	11.15	9.92	10.28	11.11	9.45
Pretax Income	15.21	11.15	9.92	10.28	11.11	9.45
Income Tax Expense	3.15	2.12	1.98	1.58	2.15	1.86
Net Income	12.06	9.02	7.94	8.7	8.96	7.59
Net Income to Common	12.06	9.02	7.94	8.7	8.96	7.59
Net Income Growth	52.34%	13.57%	-8.73%	-2.85%	18.05%	52.39%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change	-	-	-0.42%	-2.89%	-1.05%	-0.58%
EPS (Basic)	2.65	1.99	1.75	1.91	1.91	1.60
EPS (Diluted)	2.65	1.99	1.75	1.91	1.91	1.60
EPS Growth	52.34%	13.57%	-8.35%	0.04%	19.30%	53.69%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.450	0.400	0.400	0.340	0.290	0.274
Dividend Growth	12.50%	0%	17.65%	17.24%	5.84%	7.66%
Effective Tax Rate	20.70%	19.05%	19.94%	15.32%	19.36%	19.70%

SEC Filings: 10-K · 10-Q