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Bank Of The James Financial Group Inc (BOTJ) Annual Income Statement

Annual · GAAP · USD millions
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Reviewing income statement figures over time helps illustrate how Bank Of The James Financial Group Inc generates earnings and manages operating expenses.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases37.25
Interest and Dividend Income, Securities, Operating5.72
Interest Income, Federal Funds Sold3.02
Interest Income, Deposits with Financial Institutions0.56
Other Income0.10
Total Interest Income46.66
Interest Expense, Deposits8.28
Interest Expense, Other Long-term Debt0.39
Net Interest (-)Expense / Income-13.85
Net Interest Income32.81
Provision for loan losses-0.04
Total Net Interest Income32.84
Investment Banking Revenue5.35
Revenue From Contract With Customer Including Assessed Tax4.27
Other Non-interest Income0.08
Loss / Gain on Investment4.85
Other Non-Interest Income-5.22
Total Non-interest Income15.85
Total Revenues48.69
Costs & Expenses
Salaries & employee benefits, SGA0.87
Depreciation & Amortization0.56
Foreclosed Real Estate Expense0.00
Occupancy, Net2.14
Supplies Expense0.63
Federal Deposit Insurance Corporation Premium Expense0.52
Other Noninterest Expense1.75
Other loss /-income30.18
Total Operating Expenses37.55
Total Costs & Expenses46.22
Income & Taxes
Income /-loss before income taxes11.15
Income taxes expenses/-benefit2.12
Income after income taxes9.02
Net income/-loss of other equity0.00
Income /-loss after income taxes9.02
Net Income/-loss9.02
Income/-loss to shareholder9.02
Earnings Per Share
Basic EPS (excl. extra items)1.99
Basic Net EPS1.99
Basic shares outstanding (Mill. of Units)4.54
Diluted Net EPS1.99
Diluted average shares (Mill. of Units)4.54
Dividend per share0.40
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About Bank Of The James Financial Group Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.