0001562762-23-000371.txt : 20231020 0001562762-23-000371.hdr.sgml : 20231020 20231020160524 ACCESSION NUMBER: 0001562762-23-000371 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20231017 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231020 DATE AS OF CHANGE: 20231020 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BANK OF THE JAMES FINANCIAL GROUP INC CENTRAL INDEX KEY: 0001275101 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 200500300 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-35402 FILM NUMBER: 231337197 BUSINESS ADDRESS: STREET 1: P O BOX 1200 CITY: LYNCHBURG STATE: VA ZIP: 24505 BUSINESS PHONE: 4348462000 8-K 1 botj-20231017x8k.htm 8-K botj-20231017x8k
false000127510100012751012023-10-172023-10-17

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_________________

FORM 8-K

_________________

Current Report

Pursuant to Section 13 or 15(d)

of The Securities Exchange Act of 1934

Date of Report (Date of Earliest Event Reported): October 17, 2023

_________________

BANK OF THE JAMES FINANCIAL GROUP, INC.

(Exact Name of Registrant as Specified in Its Charter)

_________________

Virginia

001-35402

20-0500300

(State or other jurisdiction of

incorporation or organization)

(Commission File Number)

(IRS Employer Identification No.)

828 Main Street, Lynchburg, VA

24504

(Address of Principal Executive Offices)

(Zip code)

Registrant’s telephone number, including area code

(434) 846-2000

_________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Trading

Symbol(s)

Name of Each Exchange

on Which Registered

Common Stock, $2.14 par value

BOTJ

The NASDAQ Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 - Results of Operations and Financial Condition

On Friday, October 20, 2023, Bank of the James Financial Group, Inc. (the “Company”) issued a press release announcing financial results for the three and nine months ended September 30, 2023 (the “Press Release”). A copy of the Press Release is attached hereto as Exhibit 99.1.

Item 8.01 – Other Events

On October 17, 2023, the Board of Directors of the Company declared a quarterly cash dividend of $0.08 per share of common stock. The dividend will be paid on or about December 8, 2023, to stockholders of record as of the close of business on November 24, 2023.

Item 9.01 - Financial Statements and Exhibits

(a) Financial statements of businesses acquired – not applicable

(b) Pro forma financial information – not applicable

(c) Shell company transactions – not applicable

(d) Exhibits

Exhibit No.

Exhibit Description

99.1

Bank of the James Financial Group, Inc. Press Release dated October 20, 2023

104

The cover page from this Current Report on Form 8-K, formatted in Inline XBRL


‎

2

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: October 20, 2023

BANK OF THE JAMES FINANCIAL GROUP, INC.

By /s/ J. Todd Scruggs

J. Todd Scruggs

Secretary-Treasurer

3

 EX-99.1 2 botj-20231017xex99_1.htm EX-99.1 Exhibit 991

Exhibit 99.1





BOTJ-FG-logo



Bank of the James Announces Third Quarter,  Nine Months of 2023

Financial Results and Declaration of Dividend

Positive Earnings,  Deposit Growth, Strong Asset Quality



LYNCHBURG, VA, October 20, 2023 -- Bank of the James Financial Group, Inc. (the “Company”) (NASDAQ:BOTJ), the parent company of Bank of the James (the “Bank”), a full-service commercial and retail bank, and Pettyjohn, Wood & White, Inc. (“PWW”), an SEC-registered investment advisor, today announced unaudited results of operations for the three and nine month periods ended September 30,  2023.  The Bank serves Region 2000 (the greater Lynchburg MSA) and the Blacksburg, Charlottesville, Harrisonburg, Lexington, Roanoke, and Wytheville, Virginia markets.

Net income for the three months ended September 30, 2023 was $2.08 million or $0.46 per basic and diluted share compared with $2.57 million or $0.55 per basic and diluted share for the three months ended September 30, 2022. Net income for the nine months ended September 30, 2023 was $6.60 million or $1.44 per basic and diluted share compared with $7.01 million or $1.48 per basic and diluted share for the nine months ended September 30, 2022.

Robert R. Chapman III, CEO, commented: “With a keen focus on financial strength, liquidity, and exceptional asset quality, our Company generated positive, stable financial and operational results. Our year-to-date performance reflects many positives during a period when rising interest rates have, understandably, slowed loan growth but have also created opportunities for us to demonstrate the many benefits of being a Bank of the James client.

“Skilled service from our banking team and a wide range of reliable, secure electronic and Web-based banking products for commercial and retail customers are backed by an operating philosophy that emphasizes safety and financial strength. This has contributed to high levels of customer retention in commercial real estate and commercial and industrial banking. Our financial management capabilities extend beyond lending and continue to attract a growing base of commercial customers. The ability to provide residential mortgage solutions has allowed the Bank to capture additional market share even in a rising rate environment.

“Operationally, we have maintained the improvements to productivity made during the past year, reflected in returns on average equity and the efficiency ratio. Growing deposits have enhanced liquidity and enabled the Bank to avoid any borrowings outside of deposits. This has helped to control our cost of funds, which has enabled us to provide the best possible rates to customers while maintaining relatively stable margins.

“I cannot emphasize enough the importance of maintaining asset and credit quality for our Company and our customers. Diligent credit management and a proactive approach with customers have resulted, as of September 30, 2023, in having no other real estate owned (OREO) and low levels of nonperforming and watch-list loans.

“As we approach the close of a very eventful year, we continue to focus on risk management,  serving our customers, and creating value for shareholders.”

 

1

 

Third Quarter, Nine Months of 2023 Highlights

·

Total interest income of $10.14 million in the third quarter and $28.82 million in the nine months of 2023 increased 21% and 26% compared with the respective periods of 2022. The year-over-year growth primarily reflected commercial loan interest rate adjustments to keep pace with the rising interest rate environment and a higher yield on Fed Funds sold.

·

Net interest income after recovery of credit losses was $7.53 million in the third quarter of 2023 compared with $8.20 million a year earlier. For the nine months of 2023, net interest income after recovery of credit losses increased to $22.63 million from $22.31 million for the nine months of 2022.

·

Net interest margin and net interest spread improved in the first nine months of 2023 compared with the same period a year earlier,  primarily reflecting year-over-year growth in returns on total earning assets and loans along with a slowing of margin compression.

·

Total noninterest income was $3.20 million in the third quarter of 2023 compared with $3.85 million a year earlier, and noninterest income for the nine months of 2023 was $9.69 million compared with $10.52 million for the nine months of 2022. Both periods were highlighted by solid income from commercial treasury services activity and continuing strong wealth management fee contributions from PWW. Gains on sale of residential mortgages slowed as increased interest rates made mortgage borrowing less attractive.

·

Loans, net of the allowance for credit losses, were $599.60 million at September 30, 2023 compared with $605.37 million at December 31, 2022, primarily reflecting rate-driven slowing of demand and the Company’s focus on loan quality.

·

Asset quality remained strong, with a ratio of nonperforming loans to total loans of 0.10% at September 30, 2023 and minimal levels of nonperforming loans and no OREO.

·

Total deposits grew to $880.20 million at September 30, 2023 compared with $848.14 million at December 31, 2022.

·

On October 17, 2023 the Company’s board of directors approved a quarterly dividend of $0.08  per share to stockholders of record as of November 24,  2023 to be paid on December 8, 2023.

·

Measures of shareholder value at September 30, 2023 reflected increased book value per share to $11.03 from $10.85 at December 31, 2022, stable total stockholders’ equity, and increased retained earnings. The Company’s most recent repurchase plan was completed in the second quarter of 2023. In conjunction with a previous repurchase plan, the Company has repurchased just under 4% of its outstanding common stock since August 2022.



Third Quarter, Nine Months of 2023 Operational Review

Net interest income after a $164,000 recovery of credit losses for the quarter ended September 30, 2023 was $7.53 million compared with net interest income after a $300,000 recovery of credit losses of $8.20 million for the quarter ended September 30, 2022. For the nine months of 2023, net interest income after a $278,000 recovery of credit losses was $22.63 million compared with net interest income after a $900,000 recovery of credit losses of $22.31 million for the nine months of 2022.

Total interest income increased to $10.14 million in the third quarter of 2023 compared with $8.40 million a year earlier. For the nine months of 2023, total interest income was $28.82 million compared with $22.91 million for the nine months of 2022. Both 2023 periods reflected moderate loan activity and interest rate increases.

The interest rate adjustment related to variable rate loans along with an increase in the Fed Funds rate continued to have a positive impact on the yields earned on interest earning assets. Management noted that while margin compression continues to have an impact, it slowed moderately in the current quarter.  The yield on interest-earning assets in the third quarter of 2023 was 4.43% compared with 3.64% a year earlier, while average loan yield increased to 5.13% from 4.37% in the prior year’s third quarter.  The interest spread was 2.94% compared with 3.38% a year earlier. Net interest margin was 3.21% in the third quarter of 2023 compared with 3.42% in the third quarter of 2022.

For the nine months of 2023, the yield on interest-earning assets was 4.30% compared with 3.30% for the nine months of 2022. The interest spread was 3.12% compared with 3.04% for the nine months of 2023 and 2022, respectively. Net interest margin was 3.33% compared with 3.09% for the nine months of 2023 and 2022, respectively.

 

2

 

Total interest expense in the third quarter and nine months of 2023 increased compared with the 2022 periods, reflecting increased levels of interest-paying deposits and higher deposit rates commensurate with the prevailing interest rate environment. Total interest expense in the third quarter of 2023 was $2.78 million compared with $499,000 a year earlier, while total interest expense in the nine months of 2023 was $6.47 million compared with $1.50 million a year earlier.

J. Todd Scruggs, Executive Vice President and CFO, commented: “We saw some mitigation of margin compression in the past several months. Repricing commercial floating rate loans and generating mortgage loans consistent with prevailing rates has allowed interest income to keep pace with rising interest expense. Although commercial and mortgage lending has slowed, we continue to make quality loans consistent with the current rate environment.”

Noninterest income in the third quarter of 2023 was $3.20 million compared with $3.85 million in the third quarter of 2022. For the nine months of 2023, noninterest income was $9.69 million compared with $10.52 million a year earlier. Noninterest income in both periods of 2023 demonstrated income contributions from debit card activity and commercial treasury services and a strong $0.11 per share contribution to earnings by PWW’s investment management activity. Year-over-year comparisons of noninterest income reflect a decrease in gains on sale of loans as the Company experienced a decrease in mortgage loan originations.

Noninterest expense in the third quarter of 2023 declined to $8.14 million compared with $8.88 million a year earlier. The nine months of 2023 noninterest expense was $24.09 million compared with $24.12 million in the nine months of 2022. The third quarter of 2023 reflected a decline in professional fees and outside expenses following the successful conclusion of a fraud loss matter and significantly lower year-over-year expenses related to other real estate owned. 

The Company continued to demonstrate stable productivity in the nine months of 2023, with return on average equity (ROAE) of 17.20% compared with 15.45% a year earlier and a return on average assets (ROAA) of 0.93% compared with 0.95% a year earlier, which primarily reflected asset growth in 2023.  The efficiency ratio for the nine months of 2023 was 75.19% compared with 75.53% for the nine months of 2022.

Balance Sheet: Liquidity, Asset Quality

Total assets were $960.89 million at September 30, 2023 compared with $928.57 million at December 31, 2022.

Loans, net of allowance for credit losses, declined to $599.60 million at September 30, 2023 compared with $605.37 million at December 31, 2022, primarily reflecting lower commercial lending activity. 

Due to lower originations and payoffs, commercial real estate loans (owner-occupied and non-owner occupied and excluding construction loans) decreased to approximately $305.72 million at September 30, 2023 compared with $336.95 million a year earlier and $341.89 million at December 31, 2022. CRE loans declined by less than $7 million from the second quarter of 2023, reflecting a decrease in the rate of payoffs.    

Commercial loans (primarily C&I loans) were $65.83 million at September 30, 2023, down from $95.88 million at December 31, 2022 and $69.89 million at June 30, 2023.  Commercial construction loans increased to $23.75 million at September 30, 2023 from $12.14 million at December 31, 2022. 

Residential mortgage and residential construction loans have grown significantly throughout the year, increasing to approximately $133.68 million at September 30, 2023 from $63.75 million since December 31, 2022. During the third quarter, our consumer lending slowed.

Some of the variances in the loan classifications above were due to the Bank’s reclassification of loan categories in connection with the adoption of the current expected credit loss (CECL) methodology on January 1, 2023.

Michael A. Syrek, President of the Bank, commented: “While rapidly rising interest rates have clearly impacted commercial and retail loan demand and slowed loan growth, we continue to lend and are providing services and financial products to commercial clients that solidify relationships and create value for them. Our sophisticated capabilities and bankers’ expertise have enabled us to meet the requirements of a growing range of customers and appeal to larger customers. This has generated new lending and deposit relationship opportunities.”

Asset quality has remained strong and stable, with a ratio of nonperforming loans to total loans of 0.10% at September 30, 2023. The allowance for credit losses on loans to total loans was 1.21% at September 30, 2023 compared with 1.02% at December 31,  2022.  

 

3

 

Total nonperforming loans were $585,000 at September 30, 2023, down from $633,000 at December 31, 2022. Total nonperforming assets declined to $585,000 at September 30, 2023 compared with $1.20 million at December 31, 2022.

Total deposits at September 30, 2023 increased to $880.20 million compared with $848.14 million at December 31, 2022. The Bank added approximately $13 million in deposits during the third quarter. Total deposits primarily reflected the judicious addition of time deposits,  partially offset by a modest decline in core deposits (noninterest-bearing demand, NOW, savings and money market accounts). Lower-cost core deposits represented 77.18% of total deposits.

Maintaining strong liquidity continues to be a focus to ensure strong, secure operations. The Company added cash and cash equivalents in the third quarter of 2023, had approximately $80 million of available Fed Funds sold, and strengthened several off-balance sheet options. For example, the Bank supplemented its current lines of credit with a new $20 million correspondent line of credit and increased borrowing capacity with the Federal Home Loan Bank of Atlanta by pledging additional collateral.

The Company’s measures of shareholder value remained stable. Book value per share was $11.03 compared with $10.85 at December 31, 2022.  Total stockholders’ equity was $50.13 million at September 30, 2023 compared with $50.23 million at December 31, 2022 and retained earnings increased to $34.93 million at September 30, 2023 from $31.03 million at December 31, 2022.

Some of these measures, including book value per share and stockholders’ equity, continue to be negatively impacted by market value changes in the Company’s  available-for-sale securities portfolio, reflecting the impact of higher interest rates. These mark-to-market losses are excluded when calculating the Bank’s regulatory capital ratios.  The available-for-sale securities portfolio is composed primarily of securities with implicit government guarantees, including U.S. Treasuries and U.S. agency obligations, and other highly-rated debt instruments. The Company does not expect to realize the unrealized losses as it has the intent and ability to hold the securities until their recovery, which may be at maturity. Management continues to diligently monitor the creditworthiness of the issuers of the debt instruments within its securities portfolio. The duration of the Company’s  overall securities portfolio is approximately 6 years.

The Company’s positive financial performance supported its longstanding practice of paying a quarterly cash dividend to shareholders. As previously noted, the Company’s now-completed stock repurchase programs have contributed to earnings and generated shareholder value.

About the Company

Bank of the James, a wholly-owned subsidiary of Bank of the James Financial Group, Inc. opened for business in July 1999 and is headquartered in Lynchburg, Virginia. The Bank currently services customers in Virginia from offices located in Altavista, Amherst, Appomattox, Bedford, Blacksburg, Charlottesville, Forest, Harrisonburg, Lexington, Lynchburg, Madison Heights, Roanoke, Rustburg, and Wytheville. The Bank offers full investment and insurance services through its BOTJ Investment Services division and BOTJ Insurance, Inc. subsidiary. The Bank provides mortgage loan origination through Bank of the James Mortgage, a division of Bank of the James. The Company provides investment advisory services through its wholly-owned subsidiary, Pettyjohn, Wood & White, Inc., an SEC-registered investment advisor. Bank of the James Financial Group, Inc. common stock is listed under the symbol “BOTJ” on the NASDAQ Stock Market, LLC. Additional information on the Company is available at www.bankofthejames.bank.

Cautionary Statement Regarding Forward-Looking Statements

This press release contains statements that constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. The words “believe,” “estimate,” “expect,” “intend,” “anticipate,” “plan” and similar expressions and variations thereof identify certain of such forward-looking statements which speak only as of the dates on which they were made. Bank of the James Financial Group, Inc. (the “Company”) undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise. Readers are cautioned that any such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and that actual results may differ materially from those indicated in the forward-looking statements as a result of various factors. Such factors include, but are not limited to, competition, general economic conditions, potential changes in interest rates,  changes in the value of real estate securing loans made by the Bank as well as the potential for the resurgence of COVID-19 and geopolitical conditions. Additional information concerning factors

 

4

 

that could cause actual results to materially differ from those in the forward-looking statements is contained in the Company’s filings with the Securities and Exchange Commission. 

CONTACT: J. Todd Scruggs, Executive Vice President and Chief Financial Officer (434) 846-2000.



FINANCIAL RESULTS FOLLOW

 

5

 

Bank of the James Financial Group, Inc. and Subsidiaries

Consolidated Balance Sheets

(dollar amounts in thousands, except per share amounts)



 

 

 



(unaudited)

 

 

Assets

9/30/2023

 

12/31/2022



 

 

 

Cash and due from banks

 $20,105 

 

 $30,025 

Federal funds sold

 79,424 

 

 31,737 

  Total cash and cash equivalents

 99,529 

 

 61,762 



 

 

 

Securities held-to-maturity, at amortized cost (fair value of $3,028 in 2023 and $3,135 in 2022)

 3,626 

 

 3,639 

Securities available-for-sale, at fair value

 181,977 

 

 185,787 

Restricted stock, at cost

 1,541 

 

 1,387 

Loans, net of allowance for credit losses of $7,320 in 2023 and $6,259 in 2022

 599,585 

 

 605,366 

Loans held for sale

 3,325 

 

 2,423 

Premises and equipment, net

 18,371 

 

 17,974 

Interest receivable

2,707 

 

 2,736 

Cash value - bank owned life insurance

 21,443 

 

 19,237 

Customer relationship Intangible, net

 7,425 

 

 7,845 

Goodwill

 2,054 

 

 2,054 

Other real estate owned

-

 

 566 

Deferred tax asset

 10,376 

 

 9,125 

Other assets

 8,928 

 

 8,670 

  Total assets

 $960,887 

 

 $928,571 



 

 

 

Liabilities and Stockholders’ Equity

 

 

 



 

 

 

Deposits

 

 

 

  Noninterest bearing demand

 $154,628 

 

 $154,884 

  NOW, money market and savings

 524,721 

 

 560,479 

  Time

 200,854 

 

 132,775 

Total deposits

 880,203 

 

 848,138 



 

 

 

Capital notes, net

 10,041 

 

 10,037 

Other borrowings

 10,030 

 

 10,457 

Interest payable

 381 

 

 89 

Other liabilities

 10,103 

 

 9,624 

  Total liabilities

 $910,758 

 

 $878,345 



 

 

 

Stockholders’ equity

 

 

 

  Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,543,338 as of September 30, 2023 and 4,628,657 as of December 31, 2022

 9,723 

 

 9,905 

  Additional paid-in-capital

 35,253 

 

 36,068 

  Accumulated other comprehensive (loss)

 (29,778)

 

 (26,781)

  Retained earnings

 34,931 

 

 31,034 

Total stockholders’ equity

 $50,129 

 

 $50,226 



 

 

 

 

6

 

Total liabilities and stockholders’ equity

 $960,887 

 

 $928,571 



 

7

 

Bank of the James Financial Group, Inc. and Subsidiaries

Consolidated Statements of Income

(dollar amounts in thousands, except per share amounts)

(unaudited)



 

 

 

 

 

 

 



For the Three Months

 

For the Nine Months



Ended September 30,

 

Ended September 30,

Interest Income

2023

 

2022

 

2023

 

2022

  Loans

 $7,990 

 

 $6,830 

 

 $23,251 

 

 $18,909 

  Securities

 

 

 

 

 

 

 

    US Government and agency obligations

 321 

 

 331 

 

 962 

 

 911 

    Mortgage backed securities

 435 

 

 437 

 

 1,255 

 

 1,196 

    Municipals

 304 

 

 289 

 

 908 

 

 867 

    Dividends

 8 

 

 5 

 

 49 

 

 36 

    Other (Corporates)

 139 

 

 144 

 

 423 

 

 395 

  Interest bearing deposits

 134 

 

 101 

 

 375 

 

 135 

  Federal Funds sold

 812 

 

 262 

 

 1,601 

 

 463 

    Total interest income

 10,143 

 

 8,399 

 

 28,824 

 

 22,912 



 

 

 

 

 

 

 

Interest Expense

 

 

 

 

 

 

 

  Deposits

 

 

 

 

 

 

 

    NOW, money market savings

 894 

 

 133 

 

 1,916 

 

 374 

    Time Deposits

 1,683 

 

 143 

 

 3,918 

 

 467 

  FHLB borrowings

-

 

-

 

 31 

 

-

  Finance leases

 22 

 

 24 

 

 66 

 

 73 

  Other borrowings

 98 

 

 117 

 

 297 

 

 339 

  Capital notes

 82 

 

 82 

 

 245 

 

 245 

   Total interest expense

 2,779 

 

 499 

 

 6,473 

 

 1,498 



 

 

 

 

 

 

 

    Net interest income

 7,364 

 

 7,900 

 

 22,351 

 

 21,414 



 

 

 

 

 

 

 

Recovery of credit losses

 (164)

 

 (300)

 

 (278)

 

 (900)



 

 

 

 

 

 

 

    Net interest income after recovery of credit losses

 7,528 

 

 8,200 

 

 22,629 

 

 22,314 



 

 

 

 

 

 

 

Noninterest income

 

 

 

 

 

 

 

  Gains on sale of loans held for sale

 989 

 

 1,472 

 

 3,065 

 

 4,675 

  Service charges, fees and commissions

 1,004 

 

 1,313 

 

 2,942 

 

 2,563 

  Wealth management fees

 1,050 

 

 959 

 

 3,098 

 

 2,935 

  Life insurance income

 139 

 

 113 

 

 405 

 

 338 

  Other

 19 

 

 (3)

 

 179 

 

 8 



 

 

 

 

 

 

 

    Total noninterest income

 3,201 

 

 3,854 

 

 9,689 

 

 10,519 



 

 

 

 

 

 

 

Noninterest expenses

 

 

 

 

 

 

 

  Salaries and employee benefits

 4,683 

 

 4,529 

 

 13,296 

 

 13,051 

  Occupancy

 458 

 

 445 

 

 1,389 

 

 1,348 

  Equipment

 501 

 

 647 

 

 1,813 

 

 1,870 

  Supplies

 118 

 

 116 

 

 399 

 

 380 

 

8

 

  Professional, data processing, and other outside expense

 1,371 

 

 1,619 

 

 4,154 

 

 3,544 

  Marketing

 204 

 

 222 

 

 683 

 

 661 

  Credit expense

 218 

 

 244 

 

 623 

 

 765 

  Other real estate expenses, net

 3 

 

 195 

 

 36 

 

 207 

  FDIC insurance expense

 126 

 

 121 

 

 321 

 

 382 

  Amortization of intangibles

 46 

 

 140 

 

 420 

 

 420 

  Other

 412 

 

 601 

 

 957 

 

 1,491 

    Total noninterest expenses

 8,140 

 

 8,879 

 

 24,091 

 

 24,119 



 

 

 

 

 

 

 

    Income before income taxes

 2,589 

 

 3,175 

 

 8,227 

 

 8,714 



 

 

 

 

 

 

 

    Income tax expense

 511 

 

 601 

 

 1,631 

 

 1,709 



 

 

 

 

 

 

 

    Net Income

 $2,078 

 

 $2,574 

 

 $6,596 

 

 $7,005 



 

 

 

 

 

 

 

Weighted average shares outstanding - basic and diluted

 4,543,338 

 

 4,683,581 

 

 4,568,789 

 

 4,721,423 



 

 

 

 

 

 

 

Net income per common share - basic and diluted

 $0.46 

 

 $0.55 

 

 $1.44 

 

 $1.48 



 

9

 

Bank of the James Financial Group, Inc. and Subsidiaries

Dollar amounts in thousands, except per share data

Unaudited

Selected Data:

Three

months

ending

Sep 30,

2023

Three

months

ending

Sep 30,

2022

Change

Year

to

date

Sep 30,

2023

Year

to

date

Sep 30,

2022

Change

Interest income

 $10,143  $8,399  20.76%  $28,824  $22,912  25.80% 

Interest expense

 2,779  499  456.91%  6,473  1,498  332.11% 

Net interest income

 7,364  7,900 

-6.78%

 22,351  21,414  4.38% 

Recovery of credit losses

 (164) (300)

-45.33%

 (278) (900)

-69.11%

Noninterest income

 3,201  3,854 

-16.94%

 9,689  10,519 

-7.89%

Noninterest expense

 8,140  8,879 

-8.32%

 24,091  24,119 

-0.12%

Income taxes

 511  601 

-14.98%

 1,631  1,709 

-4.56%

Net income

 2,078  2,574 

-19.27%

 6,596  7,005 

-5.84%

Weighted average shares outstanding - basic and diluted

 4,543,338  4,683,581  (140,243) 4,568,789  4,721,423  (152,634)

Basic and diluted net income per share

 $0.46  $0.55  $(0.09) $1.44  $1.48  $(0.04)



Balance Sheet at

period end:

Sep 30,

2023

Dec 31,

2022

Change

Sep 30,

2022

Dec 31,

2021

Change

Loans, net

 $599,585  $605,366 

-0.95%

 $614,117  $576,469  6.53% 

Loans held for sale

 3,325  2,423  37.23%  3,239  1,628  98.96% 

Total securities

 185,603  189,426 

-2.02%

 194,774  164,922  18.10% 

Total deposits

 880,203  848,138  3.78%  883,069  887,056 

-0.45%

Stockholders’ equity

 50,129  50,226 

-0.19%

 48,339  69,429 

-30.38%

Total assets

 960,887  928,571  3.48%  962,570  987,634 

-2.54%

Shares outstanding

 4,543,338  4,628,657  (85,319) 4,628,657  4,740,657  (112,000)

Book value per share

 $11.03  $10.85  $0.18  $10.44  $14.65  $(4.21)



 

10

 

Daily averages:

Three

months

ending

Sep 30,

2023

Three

months

ending

Sep 30,

2022

Change

Year

to

date

Sep 30,

2023

Year

to

date

Sep 30,

2022

Change

Loans

 $612,021  $615,208 

-0.52%

 $618,152  $600,286  2.98% 

Loans held for sale

 4,421  4,217  4.84%  3,548  3,978 

-10.81%

Total securities (book value)

 222,969  230,986 

-3.47%

 223,391  220,863  1.14% 

Total deposits

 869,655  885,602 

-1.80%

 862,212  895,274 

-3.69%

Stockholders’ equity

 52,564  52,451  0.22%  51,274  60,603 

-15.39%

Interest earning assets

 909,774  916,798 

-0.77%

 897,364  927,482 

-3.25%

Interest bearing liabilities

 740,516  752,909 

-1.65%

 732,522  749,545 

-2.27%

Total assets

 953,546  968,985 

-1.59%

 944,568  986,867 

-4.29%



Financial Ratios:

Three

months

ending

Sep 30,

2023

Three

months

ending

Sep 30,

2022

Change

Year

to

date

Sep 30,

2023

Year

to

date

Sep 30,

2022

Change

Return on average assets

 0.86%  1.05%  (0.19) 0.93%  0.95%  (0.02)

Return on average equity

 15.68%  19.47%  (3.79) 17.20%  15.45%  1.75 

Net interest margin

 3.21%  3.43%  (0.22) 3.33%  3.09%  0.24 

Efficiency ratio

 77.05%  75.54%  1.51  75.19%  75.53%  (0.34)

Average equity to

average assets

 5.51%  5.41%  0.10  5.43%  6.14%  (0.71)



Allowance for credit losses on loans:

Three

months

ending

Sep 30,

2023

Three

months

ending

Sep 30,

2022

Change

Year

to

date

Sep 30,

2023

Year

to

date

Sep 30,

2022

Change

Beginning balance

 $7,586  $6,616  14.66%  $6,259  $6,915 

-9.49%

Retained earnings adjustment related to impact of adoption of ASU 2016-13

-

-

N/A

 1,245 

-

N/A

Recovery of credit losses

 (130) (300)

-56.67%

 (188) (900)

-79.11%

Charge-offs

 (144) (1) 14300.00%  (196) (10) 1860.00% 

Recoveries

 8  79 

-89.87%

 200  389 

-48.59%

Ending balance

 7,320  6,394  14.48%  7,320  6,394  14.48% 

 

11

 

Nonperforming assets:

Sep 30,

2023

Dec 31,

2022

Change

Sep 30,

2022

Dec 31,

2021

Change

Total nonperforming loans

 $585  $633 

-7.58%

 $788  $954 

-17.40%

Other real estate owned

-

 566 

-100.00%

 566  761 

-25.62%

Total nonperforming assets

 585  1,199 

-51.21%

 1,354  1,715 

-21.05%





 

 

 

 

 

 

Asset quality ratios:

Sep 30,

2023

Dec 31,

2022

Change

Sep 30,

2022

Dec 31,

2021

Change

Nonperforming loans to total loans

 0.10%  0.10% 

-

 0.13%  0.16%  (0.03)

Allowance for credit losses to total loans

 1.21%  1.02%  0.19  1.03%  1.19%  (0.16)

Allowance for credit losses to nonperforming loans

 1251.28%  989.42%  261.86  811.42%  724.84%  86.58 





 

12

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Document And Entity Information
Oct. 17, 2023
Document And Entity Information [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Oct. 17, 2023
Entity Registrant Name BANK OF THE JAMES FINANCIAL GROUP, INC.
Entity File Number 001-35402
Entity Incorporation, State or Country Code VA
Entity Tax Identification Number 20-0500300
Entity Address, Address Line One 828 Main Street
Entity Address, City or Town Lynchburg
Entity Address, State or Province VA
Entity Address, Postal Zip Code 24504
City Area Code 434
Local Phone Number 846-2000
Entity Central Index Key 0001275101
Written communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock, $2.14 par value
Trading Symbol BOTJ
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
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