$BOTJ
BANK OF THE JAMES FINANCIAL GROUP INC

2021 Q4 Form 10-Q Financial Statement

#000156276221000447 Filed on November 12, 2021

View on sec.gov

Income Statement

Concept 2021 Q4 2021 Q3 2020 Q3
Revenue $7.315M $7.338M
YoY Change -0.31% -3.4%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $639.0K $400.0K $500.0K
YoY Change 22.88% -20.0% 72.41%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $493.0K $1.135M
YoY Change -56.56% -20.68%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $2.290M $2.346M $1.823M
YoY Change 8.53% 28.69% -1.19%
Income Tax $431.0K $465.0K $369.0K
% Of Pretax Income 18.82% 19.82% 20.24%
Net Earnings $1.859M $1.881M $1.454M
YoY Change 8.71% 29.37% -1.36%
Net Earnings / Revenue 25.71% 19.81%
Basic Earnings Per Share $0.40 $0.34
Diluted Earnings Per Share $392.1K $396.6K $0.34
COMMON SHARES
Basic Shares Outstanding 4.741M 4.741M 4.339M
Diluted Shares Outstanding 4.741M 4.339M

Balance Sheet

Concept 2021 Q4 2021 Q3 2020 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $183.2M $147.3M $95.04M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $18.35M $17.24M $17.07M
YoY Change 8.06% 0.96% 2.99%
Goodwill $3.001M
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $600.0K
YoY Change -45.45%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $987.6M $942.6M $849.1M
YoY Change 16.0% 11.01% 19.91%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $46.00K $0.00 $100.0K
YoY Change -54.0% -100.0% -50.0%
Accrued Expenses $1.325M
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $10.99M
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $1.371M $100.0K
YoY Change 1271.0% -94.44%
LONG-TERM LIABILITIES
Long-Term Debt $13.78M $10.00M $10.00M
YoY Change 37.77% 0.0% 5.26%
Other Long-Term Liabilities $5.016M $9.800M $9.200M
YoY Change -47.75% 6.52% 228.57%
Total Long-Term Liabilities $18.79M $19.80M $19.20M
YoY Change -4.12% 3.13% 56.1%
TOTAL LIABILITIES
Total Short-Term Liabilities $1.371M $100.0K
Total Long-Term Liabilities $18.79M $19.80M $19.20M
Total Liabilities $918.2M $873.7M $783.3M
YoY Change 17.02% 11.54% 21.06%
SHAREHOLDERS EQUITY
Retained Earnings $23.44M $21.90M $23.26M
YoY Change -4.97% -5.85% 17.36%
Common Stock $47.38M $47.39M
YoY Change 17.63%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $69.43M $68.90M $65.78M
YoY Change
Total Liabilities & Shareholders Equity $987.6M $942.6M $849.1M
YoY Change 16.0% 11.01% 19.91%

Cashflow Statement

Concept 2021 Q4 2021 Q3 2020 Q3
OPERATING ACTIVITIES
Net Income $1.859M $1.881M $1.454M
YoY Change 8.71% 29.37% -1.36%
Depreciation, Depletion And Amortization $639.0K $400.0K $500.0K
YoY Change 22.88% -20.0% 72.41%
Cash From Operating Activities $6.855M $890.0K -$1.290M
YoY Change 12.93% -168.99% -178.66%
INVESTING ACTIVITIES
Capital Expenditures -$11.89M -$460.0K -$820.0K
YoY Change 4146.07% -43.9% -17.17%
Acquisitions
YoY Change
Other Investing Activities -$2.835M -$10.41M -$13.96M
YoY Change 467.0% -25.43% -1293.16%
Cash From Investing Activities -$14.72M -$10.87M -$14.77M
YoY Change 1763.8% -26.4% -8305.56%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 43.73M 33.99M 20.31M
YoY Change 7708.21% 67.36% 31.03%
NET CHANGE
Cash From Operating Activities 6.855M 890.0K -1.290M
Cash From Investing Activities -14.72M -10.87M -14.77M
Cash From Financing Activities 43.73M 33.99M 20.31M
Net Change In Cash 35.86M 24.01M 4.250M
YoY Change 513.99% 464.94% -75.46%
FREE CASH FLOW
Cash From Operating Activities $6.855M $890.0K -$1.290M
Capital Expenditures -$11.89M -$460.0K -$820.0K
Free Cash Flow $18.74M $1.350M -$470.0K
YoY Change 195.18% -387.23% -117.87%

Facts In Submission

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us-gaap Weighted Average Number Of Share Outstanding Basic And Diluted
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IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
1823000
CY2020Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
369000
CY2020Q3 us-gaap Net Income Loss
NetIncomeLoss
1454000
CY2020Q3 us-gaap Assets
Assets
849129000
us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
20280000
us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
20280000
us-gaap Noninterest Income
NoninterestIncome
8305000
us-gaap Noninterest Expense
NoninterestExpense
21424000
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
7161000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1431000
us-gaap Net Income Loss
NetIncomeLoss
5730000
CY2021Q3 us-gaap Assets
Assets
942631000
us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
18257000
us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
2348000
us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
15909000
us-gaap Noninterest Income
NoninterestIncome
8039000
us-gaap Noninterest Expense
NoninterestExpense
19876000
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
4072000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
802000
us-gaap Net Income Loss
NetIncomeLoss
3270000
CY2020Q3 us-gaap Assets
Assets
849129000
CY2021Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
590848000
CY2020Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
609090000
CY2021Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
7276000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
7156000
CY2021Q3 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
583572000
CY2020Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
601934000
CY2021Q3 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
38000
CY2020Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
-18000
CY2021Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
1904000
CY2020Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
2063000
CY2021Q3 us-gaap Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
806000
CY2020Q4 us-gaap Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
1105000
CY2020Q4 us-gaap Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
1105000
CY2019Q4 us-gaap Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
2339000
us-gaap Transfer To Other Real Estate
TransferToOtherRealEstate
111000
CY2020 us-gaap Transfer To Other Real Estate
TransferToOtherRealEstate
18000
CY2020 us-gaap Real Estate Owned Valuation Allowance Amounts Applied
RealEstateOwnedValuationAllowanceAmountsApplied
437000
us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
344000
CY2020 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
844000
us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
-66000
CY2020 us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
29000
CY2021Q3 us-gaap Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
806000
CY2020Q4 us-gaap Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
1105000
CY2020Q4 us-gaap Mortgage Loans In Process Of Foreclosure Amount
MortgageLoansInProcessOfForeclosureAmount
0
CY2021Q3 us-gaap Mortgage Loans In Process Of Foreclosure Amount
MortgageLoansInProcessOfForeclosureAmount
0
CY2021Q3 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
4229000
CY2021Q3 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
4734000
CY2021Q3 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
15000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
4525000
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
163000
CY2020Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
4817000
CY2020Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
5279000
CY2020Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
4000
CY2020 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
4944000
CY2020 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
286000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7156000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
80000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
200000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7276000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
15000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
7261000
CY2021Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
7276000
CY2021Q3 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
4229000
CY2021Q3 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
586619000
CY2021Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
590848000
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
4829000
CY2020 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
448000
CY2020 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
227000
CY2020 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
2548000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7156000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
4000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
7152000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
7156000
CY2020Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
4817000
CY2020Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
604273000
CY2020Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
609090000
CY2021Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
590848000
CY2020Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
609090000
CY2021Q3 us-gaap Notes Receivable Net
NotesReceivableNet
590848000
CY2020Q4 us-gaap Notes Receivable Net
NotesReceivableNet
609090000
us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2020Q3 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2021Q3 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2020Q3 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2021Q3 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2020 botj Outstanding Commitments To Disburse Additional Funds On Tdr S
OutstandingCommitmentsToDisburseAdditionalFundsOnTdrS
0
botj Outstanding Commitments To Disburse Additional Funds On Tdr S
OutstandingCommitmentsToDisburseAdditionalFundsOnTdrS
0

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