$BOTJ
BANK OF THE JAMES FINANCIAL GROUP INC

2021 Q4 Form 10-K Financial Statement

#000156276222000144 Filed on March 29, 2022

View on sec.gov

Income Statement

Concept 2021 Q4 2021 2020 Q4
Revenue $29.18M
YoY Change -1.7%
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 $2.059M $520.0K
YoY Change 22.88% 1.48% -24.64%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $2.102M
YoY Change -53.7%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $2.290M $9.451M $2.110M
YoY Change 8.53% 52.95% 15.3%
Income Tax $431.0K $1.862M $400.0K
% Of Pretax Income 18.82% 19.7% 18.96%
Net Earnings $1.859M $7.589M $1.710M
YoY Change 8.71% 52.39% 12.5%
Net Earnings / Revenue 26.01%
Basic Earnings Per Share $1.60
Diluted Earnings Per Share $392.1K $1.60 $358.5K
COMMON SHARES
Basic Shares Outstanding 4.741M 4.748M 4.339M
Diluted Shares Outstanding 4.748M

Balance Sheet

Concept 2021 Q4 2021 2020 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $183.2M $100.9M
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 $23.12M $16.98M
YoY Change 8.06% 4.15% 1.7%
Goodwill $3.001M
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $987.6M $987.6M $851.4M
YoY Change 16.0% 16.0% 17.37%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $46.00K $46.00K $100.0K
YoY Change -54.0% -54.0% -50.0%
Accrued Expenses $1.325M $1.325M
YoY Change -5.36%
Deferred Revenue
YoY Change
Short-Term Debt $10.99M $10.99M
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $1.371M $1.371M $100.0K
YoY Change 1271.0% -8.6% -94.44%
LONG-TERM LIABILITIES
Long-Term Debt $13.78M $13.78M $10.00M
YoY Change 37.77% -2.29% 6.38%
Other Long-Term Liabilities $5.016M $5.016M $9.600M
YoY Change -47.75% 22.34% 200.0%
Total Long-Term Liabilities $18.79M $18.79M $19.60M
YoY Change -4.12% 3.26% 55.56%
TOTAL LIABILITIES
Total Short-Term Liabilities $1.371M $1.371M $100.0K
Total Long-Term Liabilities $18.79M $18.79M $19.60M
Total Liabilities $918.2M $918.2M $784.7M
YoY Change 17.02% 17.01% 18.18%
SHAREHOLDERS EQUITY
Retained Earnings $23.44M $24.67M
YoY Change -4.97% 18.01%
Common Stock $47.38M $40.28M
YoY Change 17.63% -0.68%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $69.43M $69.43M $66.73M
YoY Change
Total Liabilities & Shareholders Equity $987.6M $987.6M $851.4M
YoY Change 16.0% 16.0% 17.37%

Cashflow Statement

Concept 2021 Q4 2021 2020 Q4
OPERATING ACTIVITIES
Net Income $1.859M $7.589M $1.710M
YoY Change 8.71% 52.39% 12.5%
Depreciation, Depletion And Amortization $639.0K $2.059M $520.0K
YoY Change 22.88% 1.48% -24.64%
Cash From Operating Activities $6.855M $15.79M $6.070M
YoY Change 12.93% 203.62% 130.8%
INVESTING ACTIVITIES
Capital Expenditures -$11.89M $2.909M -$280.0K
YoY Change 4146.07% 66.13% -45.1%
Acquisitions $10.40M
YoY Change
Other Investing Activities -$2.835M -$51.16M -$500.0K
YoY Change 467.0% -15.17% -98.22%
Cash From Investing Activities -$14.72M -$64.46M -$790.0K
YoY Change 1763.8% 3.89% -97.24%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $427.0K
YoY Change 55.27%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 43.73M 130.9M 560.0K
YoY Change 7708.21% 10.38% -96.41%
NET CHANGE
Cash From Operating Activities 6.855M 15.79M 6.070M
Cash From Investing Activities -14.72M -64.46M -790.0K
Cash From Financing Activities 43.73M 130.9M 560.0K
Net Change In Cash 35.86M 82.27M 5.840M
YoY Change 513.99% 33.17% -156.43%
FREE CASH FLOW
Cash From Operating Activities $6.855M $15.79M $6.070M
Capital Expenditures -$11.89M $2.909M -$280.0K
Free Cash Flow $18.74M $12.88M $6.350M
YoY Change 195.18% 273.43% 102.23%

Facts In Submission

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OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-3178000
CY2020 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
1797000
CY2021 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
4411000
CY2020 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
6777000
CY2019Q4 us-gaap Stockholders Equity
StockholdersEquity
61445000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
4980000
CY2020 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.28
CY2020 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
1215000
CY2020 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
275000
CY2020 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
1797000
CY2020Q4 us-gaap Stockholders Equity
StockholdersEquity
66732000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
7589000
CY2021 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.28
CY2021 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
1271000
CY2021 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
427000
CY2020 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
9837000
CY2020 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
13313000
CY2021 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
2000000
CY2020 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
2280000
CY2020 us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
405000
CY2021 us-gaap Payments For Proceeds From Federal Reserve Bank Stock
PaymentsForProceedsFromFederalReserveBankStock
-227000
CY2020 us-gaap Payments For Proceeds From Federal Reserve Bank Stock
PaymentsForProceedsFromFederalReserveBankStock
45000
CY2021 botj Percentage Of Stock Divided Issued
PercentageOfStockDividedIssued
0.10
CY2021 us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
16000
CY2021 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-3178000
CY2021Q4 us-gaap Stockholders Equity
StockholdersEquity
69429000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
7589000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
4980000
CY2021 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
2059000
CY2020 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
2029000
CY2021 us-gaap Share Based Compensation
ShareBasedCompensation
106000
CY2020 us-gaap Share Based Compensation
ShareBasedCompensation
106000
CY2021 us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-516000
CY2020 us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-405000
CY2021 us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
4000
CY2020 us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
2000
CY2020 us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
644000
CY2021 us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
8265000
CY2020 us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
7812000
CY2021 us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
344974000
CY2020 us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
303085000
CY2021 us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
331235000
CY2020 us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
298154000
CY2021 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-500000
CY2020 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
2548000
CY2021 us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
-87000
CY2020 us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
29000
CY2020 us-gaap Impairment Of Real Estate
ImpairmentOfRealEstate
437000
CY2021 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
114000
CY2020 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-838000
CY2021 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
430000
CY2020 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
436000
CY2021 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-286000
CY2020 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
484000
CY2021 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
269000
CY2020 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
474000
CY2021 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-39000
CY2020 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-88000
CY2021 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
788000
CY2020 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
566000
CY2021 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
15785000
CY2020 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
5199000
CY2021 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
83964000
CY2020 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
51150000
CY2021 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
8360000
CY2021 us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
368000
CY2020 us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
844000
CY2021 us-gaap Proceeds From Loan And Lease Originations And Principal Collections1
ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1
25854000
CY2020 botj Payments For Origination Of Loans Net Of Principal Collected
PaymentsForOriginationOfLoansNetOfPrincipalCollected
31226000
CY2021 us-gaap Payments To Acquire Businesses Net Of Cash Acquired
PaymentsToAcquireBusinessesNetOfCashAcquired
10400000
CY2021 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2909000
CY2020 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1751000
CY2021 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-64464000
CY2020 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-62053000
CY2021 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
122089000
CY2020 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
115508000
CY2021 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
414000
CY2020 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
414000
CY2021 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
427000
CY2020 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
275000
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Share Based Liabilities Paid
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsShareBasedLiabilitiesPaid
16000
CY2021 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
1271000
CY2020 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
1215000
CY2021 us-gaap Proceeds From Bank Debt
ProceedsFromBankDebt
10985000
CY2020 us-gaap Proceeds From Notes Payable
ProceedsFromNotesPayable
10025000
CY2020 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
5000000
CY2021 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
130946000
CY2020 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
118629000
CY2021 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
82267000
CY2020 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
61775000
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
100886000
CY2019Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
39111000
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
183153000
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
100886000
CY2021 us-gaap Transfer To Other Real Estate
TransferToOtherRealEstate
111000
CY2020 us-gaap Transfer To Other Real Estate
TransferToOtherRealEstate
18000
CY2021 botj Fair Value Of Adjustment For Securities
FairValueOfAdjustmentForSecurities
-4022000
CY2020 botj Fair Value Of Adjustment For Securities
FairValueOfAdjustmentForSecurities
2274000
CY2021 us-gaap Interest Paid Net
InterestPaidNet
2141000
CY2020 us-gaap Interest Paid Net
InterestPaidNet
4628000
CY2021 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
2550000
CY2020 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
1585000
CY2021 botj Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Assets Net Of Cash Received
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsNetOfCashReceived
790000
CY2021Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Liabilities
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities
32000
CY2021 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
2
CY2021 botj Number Of Wholly Owned Non Operating Subsidiaries
NumberOfWhollyOwnedNonOperatingSubsidiaries
1
CY2021 botj Number Of Bank Branches
NumberOfBankBranches
4
CY2021Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
372000
CY2021 botj Interest Stops Accruing On Loans Past Due
InterestStopsAccruingOnLoansPastDue
P90D
CY2021Q4 botj Number Of Paycheck Protection Program Loans
NumberOfPaycheckProtectionProgramLoans
107
CY2021Q4 us-gaap Debt Instrument Carrying Amount
DebtInstrumentCarryingAmount
8150000
CY2021Q4 botj Minimum Principal Loan Balance For Individual Impairment Test
MinimumPrincipalLoanBalanceForIndividualImpairmentTest
100000000
CY2021Q4 us-gaap Debt Instrument Carrying Amount
DebtInstrumentCarryingAmount
8150000
CY2020Q4 us-gaap Debt Instrument Carrying Amount
DebtInstrumentCarryingAmount
42460000
CY2020Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
392000
CY2021 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
2
CY2020Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2021Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2021 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
Reclassifications Management has made certain immaterial reclassifications to the prior year financial statements to conform to the 2021 presentation. Reclassifications had no effect on prior year net income or stockholders’ equity.
CY2021 us-gaap Advertising Expense
AdvertisingExpense
934000
CY2020 us-gaap Advertising Expense
AdvertisingExpense
667000
CY2021Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
163020000
CY2021Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
1189000
CY2021Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
2942000
CY2021Q4 us-gaap Debt Securities Available For Sale And Held To Maturity
DebtSecuritiesAvailableForSaleAndHeldToMaturity
161267000
CY2020Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
87917000
CY2020Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
2705000
CY2020Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
437000
CY2020Q4 us-gaap Debt Securities Available For Sale And Held To Maturity
DebtSecuritiesAvailableForSaleAndHeldToMaturity
90185000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
79871000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
1485000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
29567000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
1457000
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
109438000
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
2942000
CY2020Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
32211000
CY2020Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
437000
CY2020Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
32211000
CY2020Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
437000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
2724000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
2736000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
12859000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
13033000
CY2021Q4 us-gaap Held To Maturity Securities Debt Maturities After Five Through Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount
2427000
CY2021Q4 us-gaap Held To Maturity Securities Debt Maturities After Five Through Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
2635000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
71225000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
70710000
CY2021Q4 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount
1228000
CY2021Q4 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue
1371000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
76212000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
74788000
CY2021Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
3655000
CY2021Q4 us-gaap Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
4006000
CY2021Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
163020000
CY2021Q4 us-gaap Debt Securities Available For Sale And Held To Maturity
DebtSecuritiesAvailableForSaleAndHeldToMaturity
161267000
CY2021Q4 us-gaap Debt Securities Available For Sale Restricted
DebtSecuritiesAvailableForSaleRestricted
32159000
CY2020Q4 us-gaap Debt Securities Available For Sale Restricted
DebtSecuritiesAvailableForSaleRestricted
31202000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
583384000
CY2020Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
609090000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
6915000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
7156000
CY2021Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
576469000
CY2020Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
601934000
CY2021Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
-372000
CY2020Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
-18000
CY2021Q4 us-gaap Deposit Liabilities Reclassified As Loans Receivable1
DepositLiabilitiesReclassifiedAsLoansReceivable1
182000
CY2020Q4 us-gaap Deposit Liabilities Reclassified As Loans Receivable1
DepositLiabilitiesReclassifiedAsLoansReceivable1
43000
CY2021Q4 us-gaap Loans And Leases Receivable Related Parties
LoansAndLeasesReceivableRelatedParties
11148000
CY2020Q4 us-gaap Loans And Leases Receivable Related Parties
LoansAndLeasesReceivableRelatedParties
12192000
CY2021 us-gaap Loans And Leases Receivable Related Parties Additions
LoansAndLeasesReceivableRelatedPartiesAdditions
7694000
CY2021 us-gaap Loans And Leases Receivable Related Parties Proceeds
LoansAndLeasesReceivableRelatedPartiesProceeds
8738000
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
954000
CY2020Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
2063000
CY2021Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
4086000
CY2021Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
4590000
CY2021 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
4453000
CY2021 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
221000
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
CY2021 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
91000
CY2021 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
350000
CY2021 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-500000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
6915000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
6915000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
6915000
CY2021Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
4086000
CY2021Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
579298000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
583384000
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
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
583384000
CY2020Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
609090000
CY2021Q4 us-gaap Notes Receivable Net
NotesReceivableNet
583384000
CY2020Q4 us-gaap Notes Receivable Net
NotesReceivableNet
609090000
CY2020 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2021 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2020 botj Outstanding Commitments To Disburse Additional Funds On Tdr S
OutstandingCommitmentsToDisburseAdditionalFundsOnTdrS
0
CY2021 botj Outstanding Commitments To Disburse Additional Funds On Tdr S
OutstandingCommitmentsToDisburseAdditionalFundsOnTdrS
0
CY2020 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2021 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2021Q4 us-gaap Other Real Estate
OtherRealEstate
761000
CY2020Q4 us-gaap Other Real Estate
OtherRealEstate
1105000
CY2020Q4 us-gaap Other Real Estate
OtherRealEstate
1105000
CY2019Q4 us-gaap Other Real Estate
OtherRealEstate
2339000
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OtherRealEstateAdditions
111000
CY2020 us-gaap Other Real Estate Additions
OtherRealEstateAdditions
18000
CY2020 botj Other Real Estate Write Downs To Other Real Estate Owned Expense
OtherRealEstateWriteDownsToOtherRealEstateOwnedExpense
437000
CY2021 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
368000
CY2020 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
844000
CY2021 us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
-87000
CY2020 us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
29000
CY2021Q4 us-gaap Other Real Estate
OtherRealEstate
761000
CY2020Q4 us-gaap Other Real Estate
OtherRealEstate
1105000
CY2021Q4 us-gaap Land
Land
3302000
CY2020Q4 us-gaap Land
Land
3302000
CY2021Q4 us-gaap Buildings And Improvements Gross
BuildingsAndImprovementsGross
12400000
CY2020Q4 us-gaap Buildings And Improvements Gross
BuildingsAndImprovementsGross
9956000
CY2021Q4 us-gaap Construction In Progress Gross
ConstructionInProgressGross
1931000
CY2020Q4 us-gaap Construction In Progress Gross
ConstructionInProgressGross
2102000
CY2021Q4 us-gaap Furniture And Fixtures Gross
FurnitureAndFixturesGross
8407000
CY2020Q4 us-gaap Furniture And Fixtures Gross
FurnitureAndFixturesGross
7652000
CY2021Q4 us-gaap Leasehold Improvements Gross
LeaseholdImprovementsGross
3021000
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LeaseholdImprovementsGross
3003000
CY2021Q4 us-gaap Capitalized Computer Software Gross
CapitalizedComputerSoftwareGross
1974000
CY2020Q4 us-gaap Capitalized Computer Software Gross
CapitalizedComputerSoftwareGross
1964000
CY2021Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
31035000
CY2020Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
27979000
CY2021Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
12684000
CY2020Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
10997000
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PropertyPlantAndEquipmentNet
18351000
CY2020Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
16982000
CY2021 us-gaap Other Depreciation And Amortization
OtherDepreciationAndAmortization
1566000
CY2020 us-gaap Other Depreciation And Amortization
OtherDepreciationAndAmortization
1467000
CY2021Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
162286000
CY2020Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
143345000
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InterestBearingDepositLiabilities
459920000
CY2020Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
362780000
CY2021Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
122080000
CY2020Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
100726000
CY2021Q4 botj Time Deposits250000 Or More
TimeDeposits250000OrMore
19526000
CY2020Q4 botj Time Deposits250000 Or More
TimeDeposits250000OrMore
25499000
CY2021Q4 us-gaap Time Deposits
TimeDeposits
142770000
CY2021Q4 botj Other Time Deposits
OtherTimeDeposits
123244000
CY2020Q4 botj Other Time Deposits
OtherTimeDeposits
132617000
CY2021Q4 us-gaap Deposits
Deposits
887056000
CY2020Q4 us-gaap Deposits
Deposits
764967000
CY2021Q4 us-gaap Time Deposit Maturities Year One
TimeDepositMaturitiesYearOne
101139000
CY2021Q4 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
16217000
CY2021Q4 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
5595000
CY2021Q4 us-gaap Time Deposit Maturities Year Four
TimeDepositMaturitiesYearFour
8165000
CY2021Q4 botj Time Deposit Maturities Year Five And Thereafter
TimeDepositMaturitiesYearFiveAndThereafter
11654000
CY2021 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
2
CY2021 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
27079000
CY2021 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-500000
CY2021 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
27579000
CY2021 us-gaap Noninterest Income
NoninterestIncome
11209000
CY2021 us-gaap Noninterest Expense
NoninterestExpense
29337000
CY2021 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
9451000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1862000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
7589000
CY2021Q4 us-gaap Assets
Assets
987634000
CY2020 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
25146000
CY2020 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
2548000
CY2020 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
22598000
CY2020 us-gaap Noninterest Income
NoninterestIncome
10975000
CY2020 us-gaap Noninterest Expense
NoninterestExpense
27394000
CY2020 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
6179000
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1199000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
4980000
CY2020Q4 us-gaap Assets
Assets
851386000
CY2021 botj Unsecured Debt Reverse Repurchase Agreements
UnsecuredDebtReverseRepurchaseAgreements
5000000
CY2021 us-gaap Proceeds From Federal Home Loan Bank Borrowings
ProceedsFromFederalHomeLoanBankBorrowings
28187000
CY2021Q4 botj Additional Federal Home Loan Bank Advances
AdditionalFederalHomeLoanBankAdvances
21012000
CY2019 botj Unsecured Federal Funds Outstanding Amount
UnsecuredFederalFundsOutstandingAmount
0
CY2020 botj Unsecured Federal Funds Outstanding Amount
UnsecuredFederalFundsOutstandingAmount
0
CY2021 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
1748000
CY2020 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
2037000
CY2021 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
114000
CY2020 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
-838000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1862000
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1199000
CY2021 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.21
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1862000
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1199000
CY2021Q4 botj Deferred Tax Assets Lease Liabilities
DeferredTaxAssetsLeaseLiabilities
1065000
CY2020Q4 botj Deferred Tax Assets Lease Liabilities
DeferredTaxAssetsLeaseLiabilities
1151000
CY2021Q4 botj Deferred Tax Assets Allowance For Loan Losses
DeferredTaxAssetsAllowanceForLoanLosses
1452000
CY2020Q4 botj Deferred Tax Assets Allowance For Loan Losses
DeferredTaxAssetsAllowanceForLoanLosses
1503000
CY2021Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
368000
CY2021Q4 botj Deferred Tax Assets Other Real Estate Owned
DeferredTaxAssetsOtherRealEstateOwned
96000
CY2021 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
1985000
CY2020 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
1298000
CY2021 botj Income Tax Reconciliation Nontaxable Income
IncomeTaxReconciliationNontaxableIncome
-101000
CY2020 botj Income Tax Reconciliation Nontaxable Income
IncomeTaxReconciliationNontaxableIncome
-94000
CY2021 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
12000
CY2020 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
12000
CY2021 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-34000
CY2020 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-17000
CY2020Q4 botj Deferred Tax Assets Other Real Estate Owned
DeferredTaxAssetsOtherRealEstateOwned
239000
CY2021Q4 botj Deferred Tax Assets Nonaccrual Interest
DeferredTaxAssetsNonaccrualInterest
37000
CY2020Q4 botj Deferred Tax Assets Nonaccrual Interest
DeferredTaxAssetsNonaccrualInterest
130000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
665000
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
564000
CY2021Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
27000
CY2020Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
27000
CY2021Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
3710000
CY2020Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
3614000
CY2021Q4 botj Deferred Tax Liabilities Right Of Use Assets
DeferredTaxLiabilitiesRightOfUseAssets
1002000
CY2020Q4 botj Deferred Tax Liabilities Right Of Use Assets
DeferredTaxLiabilitiesRightOfUseAssets
1105000
CY2021Q4 botj Deferred Tax Liabilities Depreciation
DeferredTaxLiabilitiesDepreciation
352000
CY2020Q4 botj Deferred Tax Liabilities Depreciation
DeferredTaxLiabilitiesDepreciation
410000
CY2020Q4 us-gaap Deferred Tax Liabilities Unrealized Gains On Trading Securities
DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities
476000
CY2021Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
88000
CY2020Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
85000
CY2021Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
1442000
CY2020Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
2076000
CY2021Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
2268000
CY2020Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
1538000
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4747821
CY2021 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.60
CY2021 us-gaap Net Income Loss
NetIncomeLoss
7589000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
4980000
CY2020 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4775733
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4747821
CY2020 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4775733
CY2021 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.60
CY2020 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.04
CY2020 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.04
CY2020 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2021 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2020Q4 us-gaap Capital Required To Be Well Capitalized
CapitalRequiredToBeWellCapitalized
63545000
CY2020Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
70688000
CY2020Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.1112
CY2020Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
TierOneRiskBasedCapitalRequiredForCapitalAdequacy
54013000
CY2020Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
TierOneRiskBasedCapitalRequiredToBeWellCapitalized
50836000
CY2020 botj Common Equity Tier I Capital To Average Assets Actual Amount
CommonEquityTierICapitalToAverageAssetsActualAmount
70688000
CY2020 botj Common Equity Tier I Capital To Average Assets Actual Ratio
CommonEquityTierICapitalToAverageAssetsActualRatio
0.1112
CY2020 botj Common Equity Tier I Capital To Average Assets For Capital Adequacy Purposes Amount
CommonEquityTierICapitalToAverageAssetsForCapitalAdequacyPurposesAmount
44481000
CY2020 us-gaap Stock Issued During Period Shares Dividend Reinvestment Plan
StockIssuedDuringPeriodSharesDividendReinvestmentPlan
0
CY2021 us-gaap Stock Issued During Period Shares Dividend Reinvestment Plan
StockIssuedDuringPeriodSharesDividendReinvestmentPlan
0
CY2020 botj Capital Conservation Buffer
CapitalConservationBuffer
0.025
CY2021 botj Capital Conservation Buffer
CapitalConservationBuffer
0.025
CY2021Q4 us-gaap Capital
Capital
85803000
CY2021Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.1237
CY2021Q4 us-gaap Capital Required For Capital Adequacy
CapitalRequiredForCapitalAdequacy
72807000
CY2021Q4 us-gaap Capital Required To Be Well Capitalized
CapitalRequiredToBeWellCapitalized
69340000
CY2021Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
78888000
CY2021Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.1138
CY2021Q4 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
TierOneRiskBasedCapitalRequiredForCapitalAdequacy
58939000
CY2021Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
TierOneRiskBasedCapitalRequiredToBeWellCapitalized
55472000
CY2021 botj Common Equity Tier I Capital To Average Assets Actual Amount
CommonEquityTierICapitalToAverageAssetsActualAmount
78888000
CY2021 botj Common Equity Tier I Capital To Average Assets Actual Ratio
CommonEquityTierICapitalToAverageAssetsActualRatio
0.1138
CY2021 botj Common Equity Tier I Capital To Average Assets For Capital Adequacy Purposes Amount
CommonEquityTierICapitalToAverageAssetsForCapitalAdequacyPurposesAmount
48538000
CY2021 botj Common Equity Tier I Capital To Average Assets To Be Well Capitalized Under Promp Corrective Action Provisions Amount
CommonEquityTierICapitalToAverageAssetsToBeWellCapitalizedUnderPrompCorrectiveActionProvisionsAmount
45071000
CY2021Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
78888000
CY2021Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.0822
CY2021Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy
TierOneLeverageCapitalRequiredForCapitalAdequacy
38392000
CY2021Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
47990000
CY2021 botj Capital Conservation Buffer
CapitalConservationBuffer
0.0250
CY2020Q4 us-gaap Capital
Capital
77844000
CY2020Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.1225
CY2020Q4 us-gaap Capital Required For Capital Adequacy
CapitalRequiredForCapitalAdequacy
66722000
CY2020 botj Common Equity Tier I Capital To Average Assets To Be Well Capitalized Under Promp Corrective Action Provisions Amount
CommonEquityTierICapitalToAverageAssetsToBeWellCapitalizedUnderPrompCorrectiveActionProvisionsAmount
41304000
CY2020Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
70688000
CY2020Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.0828
CY2020Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy
TierOneLeverageCapitalRequiredForCapitalAdequacy
34142000
CY2020Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
42678000
CY2020 botj Capital Conservation Buffer
CapitalConservationBuffer
0.0250
CY2021Q4 us-gaap Cash Uninsured Amount
CashUninsuredAmount
4162000
CY2021Q4 botj Accounts Secured By Federal Deposit Insurance Corporation
AccountsSecuredByFederalDepositInsuranceCorporation
1
CY2021Q4 us-gaap Cash Fdic Insured Amount
CashFDICInsuredAmount
250000
CY2020Q4 us-gaap Cash Uninsured Amount
CashUninsuredAmount
5544000
CY2021Q4 us-gaap Debt Securities Available For Sale And Held To Maturity
DebtSecuritiesAvailableForSaleAndHeldToMaturity
161267000
CY2021Q4 us-gaap Derivative Assets
DerivativeAssets
144000
CY2021Q4 us-gaap Assets Fair Value Disclosure
AssetsFairValueDisclosure
161411000
CY2020Q4 us-gaap Debt Securities Available For Sale And Held To Maturity
DebtSecuritiesAvailableForSaleAndHeldToMaturity
90185000
CY2020Q4 us-gaap Derivative Assets
DerivativeAssets
425000
CY2020Q4 us-gaap Assets Fair Value Disclosure
AssetsFairValueDisclosure
90610000
CY2021Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0344
CY2020Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0344
CY2021Q4 us-gaap Finance Lease Liability
FinanceLeaseLiability
3746000
CY2020Q4 us-gaap Finance Lease Liability
FinanceLeaseLiability
4093000
CY2021Q4 us-gaap Finance Lease Right Of Use Asset
FinanceLeaseRightOfUseAsset
3488000
CY2020Q4 us-gaap Finance Lease Right Of Use Asset
FinanceLeaseRightOfUseAsset
3902000
CY2021Q4 us-gaap Finance Lease Weighted Average Remaining Lease Term1
FinanceLeaseWeightedAverageRemainingLeaseTerm1
P9Y2M12D
CY2020Q4 us-gaap Finance Lease Weighted Average Remaining Lease Term1
FinanceLeaseWeightedAverageRemainingLeaseTerm1
P10Y2M12D
CY2021Q4 us-gaap Finance Lease Weighted Average Discount Rate Percent
FinanceLeaseWeightedAverageDiscountRatePercent
0.0270
CY2020Q4 us-gaap Finance Lease Weighted Average Discount Rate Percent
FinanceLeaseWeightedAverageDiscountRatePercent
0.0270
CY2021 botj Number Of Leased Locations Under Long Term Leases
NumberOfLeasedLocationsUnderLongTermLeases
4
CY2021 botj Number Of Operating Leases
NumberOfOperatingLeases
2
CY2021 botj Number Of Finance Leases
NumberOfFinanceLeases
2
CY2021Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
1325000
CY2020Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
1390000
CY2021Q4 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
1282000
CY2020Q4 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
1360000
CY2021Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P13Y8M12D
CY2020Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P14Y8M12D
CY2021 us-gaap Operating Lease Cost
OperatingLeaseCost
125000
CY2020 us-gaap Operating Lease Cost
OperatingLeaseCost
197000
CY2021 us-gaap Finance Lease Right Of Use Asset Amortization
FinanceLeaseRightOfUseAssetAmortization
414000
CY2020 us-gaap Finance Lease Right Of Use Asset Amortization
FinanceLeaseRightOfUseAssetAmortization
414000
CY2021 us-gaap Finance Lease Interest Expense
FinanceLeaseInterestExpense
106000
CY2020 us-gaap Finance Lease Interest Expense
FinanceLeaseInterestExpense
115000
CY2021 us-gaap Lease Cost
LeaseCost
645000
CY2020 us-gaap Lease Cost
LeaseCost
726000
CY2021 us-gaap Operating Lease Payments
OperatingLeasePayments
112000
CY2020 us-gaap Operating Lease Payments
OperatingLeasePayments
183000
CY2021 us-gaap Finance Lease Interest Payment On Liability
FinanceLeaseInterestPaymentOnLiability
453000
CY2020 us-gaap Finance Lease Interest Payment On Liability
FinanceLeaseInterestPaymentOnLiability
444000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
110000
CY2021Q4 us-gaap Finance Lease Liability Payments Due Next Twelve Months
FinanceLeaseLiabilityPaymentsDueNextTwelveMonths
454000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
110000
CY2021Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
356000
CY2021Q4 us-gaap Finance Lease Liability Undiscounted Excess Amount
FinanceLeaseLiabilityUndiscountedExcessAmount
521000
CY2021Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
1325000
CY2021Q4 us-gaap Finance Lease Liability
FinanceLeaseLiability
3746000
CY2021Q4 us-gaap Finance Lease Liability Payments Due Year Two
FinanceLeaseLiabilityPaymentsDueYearTwo
454000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
110000
CY2021Q4 us-gaap Finance Lease Liability Payments Due Year Three
FinanceLeaseLiabilityPaymentsDueYearThree
479000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
110000
CY2021Q4 us-gaap Finance Lease Liability Payments Due Year Four
FinanceLeaseLiabilityPaymentsDueYearFour
515000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
116000
CY2021Q4 us-gaap Finance Lease Liability Payments Due Year Five
FinanceLeaseLiabilityPaymentsDueYearFive
515000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
1125000
CY2021Q4 us-gaap Finance Lease Liability Payments Due In Rolling After Year Five
FinanceLeaseLiabilityPaymentsDueInRollingAfterYearFive
1850000
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
1681000
CY2021Q4 us-gaap Finance Lease Liability Payments Due
FinanceLeaseLiabilityPaymentsDue
4267000
CY2021 dei Auditor Name
AuditorName
Yount, Hyde & Barbour
CY2021 dei Auditor Location
AuditorLocation
Roanoke, Virginia, US
CY2021 dei Auditor Firm
AuditorFirmId
613

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