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Bank of The Jame Fnl (BOTJ)

Bank of The Jame Fnl (BOTJ)
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Financial Summary for [[ item.sessionDateDisplayLong ]]
Bank of the James Financial Group, Inc. operates as the holding company for Bank of the James, which provides retail and commercial banking services in the central Virginia. The company offers various deposit services, including checking accounts, savings accounts, individual retirement accounts, and various time deposits. It originates commercial business lending loans for purchase of equipment, facilities' upgrades, inventory acquisition, and working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; consumer residential mortgage loans; and various secured and unsecured consumer loans. The company's market area consists of seven jurisdictions of the Town of Altavista, Amherst County, Appomattox County, the City of Bedford, Bedford County, Campbell County, and the City of Lynchburg. The company, through its other subsidiary, BOTJ Investment Group, Inc., offers brokerage and investment services, including fixed and variable annuity products.

Fiscal Year End Date: 12/31

(Values in U.S. Thousands) Dec, 2024 Dec, 2023 Dec, 2022 Dec, 2021 Dec, 2020
Sales 59,780 52,230 45,100 40,390 40,660
Sales Growth +14.46% +15.81% +11.66% -0.66% +9.89%
Net Income 7,940 8,700 8,960 7,590 4,980
Net Income Growth -8.74% -2.90% +18.05% +52.41% -11.23%
(Values in U.S. Thousands) Dec, 2024 Dec, 2023 Dec, 2022 Dec, 2021 Dec, 2020
Total Assets 979,240 969,370 928,570 987,630 851,390
Total Assets Growth +1.02% +4.39% -5.98% +16.00% +17.37%
Total Liabilities 914,380 909,330 878,350 918,210 784,650
Total Liabilities Growth +0.56% +3.53% -4.34% +17.02% +18.18%
(Values in U.S. Thousands) Dec, 2024 Dec, 2023 Dec, 2022 Dec, 2021 Dec, 2020
Operating Cash Flow 8,510 9,490 9,310 15,790 5,200
Operating Cash Flow Growth -10.33% +1.93% -41.04% +203.65% -6.98%
Net Cash Flow -1,530 13,080 -121,390 82,270 61,780
Change in Net Cash Flow -111.70% +110.78% -247.55% +33.17% +651.12%
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