$BOTJ
BANK OF THE JAMES FINANCIAL GROUP INC

2023 Q1 Form 10-K Financial Statement

#000156276223000147 Filed on March 31, 2023

View on sec.gov

Income Statement

Concept 2023 Q1 2022 Q4 2022
Revenue $983.0K $3.591M
YoY Change -85.78% -87.69%
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 $491.0K $1.167M $2.049M
YoY Change 81.85% 82.63% -0.49%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $1.456M $2.150M
YoY Change 177.33% 2.28%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $2.471M $2.396M $11.11M
YoY Change -7.56% 4.63% 17.55%
Income Tax $487.0K $442.0K $2.151M
% Of Pretax Income 19.71% 18.45% 19.36%
Net Earnings $1.984M $1.954M $8.959M
YoY Change -7.25% 5.11% 18.05%
Net Earnings / Revenue 201.83% 249.48%
Basic Earnings Per Share $0.43 $1.91
Diluted Earnings Per Share $0.43 $0.42 $1.91
COMMON SHARES
Basic Shares Outstanding 4.575M 4.629M 4.698M
Diluted Shares Outstanding 4.619M 4.698M

Balance Sheet

Concept 2023 Q1 2022 Q4 2022
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $64.61M $61.76M
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 $17.80M $17.97M $17.97M
YoY Change -1.83% -2.05% -22.26%
Goodwill $2.054M $2.054M
YoY Change -31.56% -31.56%
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 $948.5M $928.6M $928.6M
YoY Change -2.58% -5.98% -5.98%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $218.0K $89.00K $89.00K
YoY Change 458.97% 93.48% 93.48%
Accrued Expenses $1.260M $1.260M
YoY Change -4.91% -4.91%
Deferred Revenue
YoY Change
Short-Term Debt $10.31M $10.46M $10.46M
YoY Change -4.99% -4.81% -4.81%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $10.53M $89.00K $89.00K
YoY Change 2027.68% -93.51% -93.51%
LONG-TERM LIABILITIES
Long-Term Debt $10.04M $10.04M $10.04M
YoY Change 0.05% -27.15% -27.15%
Other Long-Term Liabilities $11.08M $9.624M $9.624M
YoY Change 8.71% 91.87% 91.87%
Total Long-Term Liabilities $21.12M $19.66M $19.66M
YoY Change 4.41% 4.62% 4.62%
TOTAL LIABILITIES
Total Short-Term Liabilities $10.53M $89.00K $89.00K
Total Long-Term Liabilities $21.12M $19.66M $19.66M
Total Liabilities $896.1M $878.3M $878.3M
YoY Change -1.85% -4.34% -4.34%
SHAREHOLDERS EQUITY
Retained Earnings $31.05M $31.03M
YoY Change 22.98% 32.4%
Common Stock $45.16M $45.97M
YoY Change -4.68% -2.96%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $52.38M $50.23M $50.23M
YoY Change
Total Liabilities & Shareholders Equity $948.5M $928.6M $928.6M
YoY Change -2.58% -5.98% -5.98%

Cashflow Statement

Concept 2023 Q1 2022 Q4 2022
OPERATING ACTIVITIES
Net Income $1.984M $1.954M $8.959M
YoY Change -7.25% 5.11% 18.05%
Depreciation, Depletion And Amortization $491.0K $1.167M $2.049M
YoY Change 81.85% 82.63% -0.49%
Cash From Operating Activities $4.823M $3.949M $9.312M
YoY Change -261.14% -42.39% -41.01%
INVESTING ACTIVITIES
Capital Expenditures $189.0K $1.088M $1.191M
YoY Change 256.6% -109.15% -59.06%
Acquisitions $818.0K
YoY Change -92.13%
Other Investing Activities -$16.67M $13.41M -$86.12M
YoY Change -78.38% -573.05% 68.35%
Cash From Investing Activities -$16.86M $12.32M -$88.13M
YoY Change -78.15% -183.69% 36.71%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 14.88M -35.53M -42.57M
YoY Change -340.89% -181.26% -132.51%
NET CHANGE
Cash From Operating Activities 4.823M 3.949M 9.312M
Cash From Investing Activities -16.86M 12.32M -88.13M
Cash From Financing Activities 14.88M -35.53M -42.57M
Net Change In Cash 2.845M -19.26M -121.4M
YoY Change -103.29% -153.71% -247.56%
FREE CASH FLOW
Cash From Operating Activities $4.823M $3.949M $9.312M
Capital Expenditures $189.0K $1.088M $1.191M
Free Cash Flow $4.634M $2.861M $8.121M
YoY Change -252.13% -84.74% -36.93%

Facts In Submission

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IncomeTaxExpenseBenefit
2151000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1862000
CY2022 us-gaap Net Income Loss
NetIncomeLoss
8959000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
7589000
CY2022 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4698041
CY2022 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4698041
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4747821
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4747821
CY2022 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.91
CY2022 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.91
CY2021 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.60
CY2021 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.60
CY2022 us-gaap Net Income Loss
NetIncomeLoss
8959000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
7589000
CY2022 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
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-32151000
CY2021 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
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-4022000
CY2022 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
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-6754000
CY2021 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
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-844000
CY2022 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
-3000
CY2022 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
-1000
CY2022 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-25395000
CY2021 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-3178000
CY2022 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
-16436000
CY2021 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
4411000
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
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
CY2022 us-gaap Net Income Loss
NetIncomeLoss
8959000
CY2022 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.29
CY2022 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
1365000
CY2022 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
1402000
CY2022 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-25395000
CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
50226000
CY2022 us-gaap Net Income Loss
NetIncomeLoss
8959000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
7589000
CY2022 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
2049000
CY2021 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
2059000
CY2021 us-gaap Share Based Compensation
ShareBasedCompensation
106000
CY2022 us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-508000
CY2021 us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-516000
CY2022 us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
10000
CY2021 us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
4000
CY2022 us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
-3000
CY2022 us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
5256000
CY2021 us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
8265000
CY2022 us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
217867000
CY2021 us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
344974000
CY2022 us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
213406000
CY2021 us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
331235000
CY2022 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-900000
CY2021 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-500000
CY2021 us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
-87000
CY2022 us-gaap Impairment Of Real Estate
ImpairmentOfRealEstate
195000
CY2022 us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
18000
CY2022 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-10000
CY2021 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
114000
CY2022 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
452000
CY2021 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
430000
CY2022 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
672000
CY2021 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-286000
CY2022 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
62000
CY2021 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-295000
CY2022 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
43000
CY2021 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-39000
CY2022 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
560000
CY2022 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
-106000
CY2021 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
788000
CY2022 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
9312000
CY2021 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
16349000
CY2022 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
76562000
CY2021 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
83964000
CY2022 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
11718000
CY2021 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
8360000
CY2022 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
7681000
CY2021 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
2000000
CY2022 us-gaap Payments For Proceeds From Federal Reserve Bank Stock
PaymentsForProceedsFromFederalReserveBankStock
63000
CY2021 us-gaap Payments For Proceeds From Federal Reserve Bank Stock
PaymentsForProceedsFromFederalReserveBankStock
-227000
CY2021 us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
368000
CY2022 botj Payments For Origination Of Loans Net Of Principal Collected
PaymentsForOriginationOfLoansNetOfPrincipalCollected
27997000
CY2021 us-gaap Proceeds From Loan And Lease Originations And Principal Collections1
ProceedsFromLoanAndLeaseOriginationsAndPrincipalCollections1
25854000
CY2022 us-gaap Payments To Acquire Businesses Net Of Cash Acquired
PaymentsToAcquireBusinessesNetOfCashAcquired
818000
CY2021 us-gaap Payments To Acquire Businesses Net Of Cash Acquired
PaymentsToAcquireBusinessesNetOfCashAcquired
10400000
CY2022 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1191000
CY2021 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2909000
CY2022 us-gaap Proceeds From Sale Of Machinery And Equipment
ProceedsFromSaleOfMachineryAndEquipment
30000
CY2022 us-gaap Payments To Acquire Other Investments
PaymentsToAcquireOtherInvestments
927000
CY2021 us-gaap Payments To Acquire Other Investments
PaymentsToAcquireOtherInvestments
564000
CY2022 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-88129000
CY2021 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-65028000
CY2022 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-38918000
CY2021 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
122089000
CY2022 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
357000
CY2021 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
414000
CY2022 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
1402000
CY2021 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
427000
CY2021 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Share Based Liabilities Paid
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsShareBasedLiabilitiesPaid
16000
CY2022 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
1365000
CY2021 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
1271000
CY2021 us-gaap Proceeds From Bank Debt
ProceedsFromBankDebt
10985000
CY2022 us-gaap Repayments Of Bank Debt
RepaymentsOfBankDebt
532000
CY2022 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-42574000
CY2021 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
130946000
CY2022 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-121391000
CY2021 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
82267000
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
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
61762000
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
183153000
CY2021 us-gaap Transfer To Other Real Estate
TransferToOtherRealEstate
111000
CY2022 botj Fair Value Of Adjustment For Securities
FairValueOfAdjustmentForSecurities
-32148000
CY2021 botj Fair Value Of Adjustment For Securities
FairValueOfAdjustmentForSecurities
-4022000
CY2022 us-gaap Interest Paid Net
InterestPaidNet
2107000
CY2021 us-gaap Interest Paid Net
InterestPaidNet
2141000
CY2022 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
2180000
CY2021 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
2550000
CY2021 botj Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Assets Net Of Cash Received
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsNetOfCashReceived
9296000
CY2021Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Liabilities
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities
1797000
CY2022 botj Number Of Bank Divisions
NumberOfBankDivisions
2
CY2022 botj Number Of Wholly Owned Non Operating Subsidiaries
NumberOfWhollyOwnedNonOperatingSubsidiaries
1
CY2022 botj Number Of Bank Branches
NumberOfBankBranches
4
CY2022 botj Maturing Period Cash And Cash Equivalents Including Due From Banks And Federal Funds Sold
MaturingPeriodCashAndCashEquivalentsIncludingDueFromBanksAndFederalFundsSold
P90D
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
1457000
CY2022 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
CY2022Q4 botj Number Of Paycheck Protection Program Loans
NumberOfPaycheckProtectionProgramLoans
0
CY2022Q4 botj Minimum Principal Loan Balance For Individual Impairment Test
MinimumPrincipalLoanBalanceForIndividualImpairmentTest
100000000
CY2022Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
431000
CY2021Q4 us-gaap Financing Receivable Modifications Recorded Investment
FinancingReceivableModificationsRecordedInvestment
372000
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
109438000
CY2022 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
3
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
2942000
CY2021Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2022Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2022 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Reclassifications</span><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12pt;line-height: 108%;margin-bottom: 12pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Management has made certain immaterial reclassifications to the prior year financial statements to conform to the 2022 presentation. Reclassifications had no effect on prior year net income or stockholders’ equity.</span></p>
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
2339000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
2312000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
44918000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
41061000
CY2022 us-gaap Advertising Expense
AdvertisingExpense
920000
CY2021 us-gaap Advertising Expense
AdvertisingExpense
934000
CY2022Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
219688000
CY2022Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
33901000
CY2022Q4 us-gaap Debt Securities Available For Sale And Held To Maturity
DebtSecuritiesAvailableForSaleAndHeldToMaturity
185787000
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
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
95023000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
11883000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
85899000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
22522000
CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
180922000
CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
34405000
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
CY2022Q4 us-gaap Held To Maturity Securities Debt Maturities After Five Through Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount
2425000
CY2022Q4 us-gaap Held To Maturity Securities Debt Maturities After Five Through Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
2131000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
69531000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
59777000
CY2022Q4 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount
1214000
CY2022Q4 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue
1004000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
102900000
CY2022Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
82637000
CY2022Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
3639000
CY2022Q4 us-gaap Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
3135000
CY2022Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
219688000
CY2022Q4 us-gaap Debt Securities Available For Sale And Held To Maturity
DebtSecuritiesAvailableForSaleAndHeldToMaturity
185787000
CY2022Q4 us-gaap Debt Securities Available For Sale Restricted
DebtSecuritiesAvailableForSaleRestricted
35879000
CY2021Q4 us-gaap Debt Securities Available For Sale Restricted
DebtSecuritiesAvailableForSaleRestricted
32159000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
611625000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
583384000
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
6259000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
6915000
CY2022Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
605366000
CY2021Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
576469000
CY2022Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
1114000
CY2021Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
372000
CY2022Q4 us-gaap Deposit Liabilities Reclassified As Loans Receivable1
DepositLiabilitiesReclassifiedAsLoansReceivable1
45000
CY2021Q4 us-gaap Deposit Liabilities Reclassified As Loans Receivable1
DepositLiabilitiesReclassifiedAsLoansReceivable1
182000
CY2022Q4 us-gaap Loans And Leases Receivable Related Parties
LoansAndLeasesReceivableRelatedParties
10738000
CY2021Q4 us-gaap Loans And Leases Receivable Related Parties
LoansAndLeasesReceivableRelatedParties
11200000
CY2022 us-gaap Loans And Leases Receivable Related Parties Additions
LoansAndLeasesReceivableRelatedPartiesAdditions
3907000
CY2022 us-gaap Loans And Leases Receivable Related Parties Proceeds
LoansAndLeasesReceivableRelatedPartiesProceeds
4369000
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
633000
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
954000
CY2022Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
2666000
CY2022Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
2784000
CY2022 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
3377000
CY2022 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
137000
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
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
6915000
CY2022 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
162000
CY2022 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
406000
CY2022 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-900000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
6259000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
6259000
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
6259000
CY2022Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
2666000
CY2022Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
608959000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
611625000
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
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
611625000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
583384000
CY2022Q4 us-gaap Notes Receivable Net
NotesReceivableNet
611625000
CY2021Q4 us-gaap Notes Receivable Net
NotesReceivableNet
583384000
CY2022 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
1
CY2021 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2021 botj Outstanding Commitments To Disburse Additional Funds On Tdr S
OutstandingCommitmentsToDisburseAdditionalFundsOnTdrS
0
CY2022 botj Outstanding Commitments To Disburse Additional Funds On Tdr S
OutstandingCommitmentsToDisburseAdditionalFundsOnTdrS
0
CY2021 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2022 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2022Q4 us-gaap Other Real Estate
OtherRealEstate
566000
CY2021Q4 us-gaap Other Real Estate
OtherRealEstate
761000
CY2022Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
14089000
CY2021Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
12684000
CY2022Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
17974000
CY2021Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
18351000
CY2022 us-gaap Other Depreciation And Amortization
OtherDepreciationAndAmortization
1556000
CY2021 us-gaap Other Depreciation And Amortization
OtherDepreciationAndAmortization
1566000
CY2021Q4 us-gaap Other Real Estate
OtherRealEstate
761000
CY2020Q4 us-gaap Other Real Estate
OtherRealEstate
1105000
CY2021 us-gaap Other Real Estate Additions
OtherRealEstateAdditions
111000
CY2022 botj Other Real Estate Write Downs To Other Real Estate Owned Expense
OtherRealEstateWriteDownsToOtherRealEstateOwnedExpense
195000
CY2021 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
368000
CY2021 us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
-87000
CY2022Q4 us-gaap Other Real Estate
OtherRealEstate
566000
CY2021Q4 us-gaap Other Real Estate
OtherRealEstate
761000
CY2022Q4 us-gaap Land
Land
3882000
CY2021Q4 us-gaap Land
Land
3302000
CY2022Q4 us-gaap Buildings And Improvements Gross
BuildingsAndImprovementsGross
14040000
CY2021Q4 us-gaap Buildings And Improvements Gross
BuildingsAndImprovementsGross
12400000
CY2022Q4 us-gaap Construction In Progress Gross
ConstructionInProgressGross
52000
CY2021Q4 us-gaap Construction In Progress Gross
ConstructionInProgressGross
1931000
CY2022Q4 us-gaap Furniture And Fixtures Gross
FurnitureAndFixturesGross
9033000
CY2021Q4 us-gaap Furniture And Fixtures Gross
FurnitureAndFixturesGross
8407000
CY2022Q4 us-gaap Leasehold Improvements Gross
LeaseholdImprovementsGross
3056000
CY2021Q4 us-gaap Leasehold Improvements Gross
LeaseholdImprovementsGross
3021000
CY2022Q4 us-gaap Capitalized Computer Software Gross
CapitalizedComputerSoftwareGross
2000000
CY2021Q4 us-gaap Capitalized Computer Software Gross
CapitalizedComputerSoftwareGross
1974000
CY2022Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
32063000
CY2021Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
31035000
CY2022Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
154884000
CY2021Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
162286000
CY2022Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
428027000
CY2021Q4 us-gaap Interest Bearing Deposit Liabilities
InterestBearingDepositLiabilities
459920000
CY2022Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
132452000
CY2021Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
122080000
CY2022Q4 botj Time Deposits250000 Or More
TimeDeposits250000OrMore
17529000
CY2021Q4 botj Time Deposits250000 Or More
TimeDeposits250000OrMore
19526000
CY2022Q4 botj Other Time Deposits
OtherTimeDeposits
115246000
CY2021Q4 botj Other Time Deposits
OtherTimeDeposits
123244000
CY2022Q4 us-gaap Deposits
Deposits
848138000
CY2021Q4 us-gaap Deposits
Deposits
887056000
CY2022Q4 us-gaap Time Deposit Maturities Year One
TimeDepositMaturitiesYearOne
61302000
CY2022Q4 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
26628000
CY2022Q4 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
16199000
CY2022Q4 us-gaap Time Deposit Maturities Year Four
TimeDepositMaturitiesYearFour
7783000
CY2022Q4 botj Time Deposit Maturities Year Five And Thereafter
TimeDepositMaturitiesYearFiveAndThereafter
20863000
CY2022Q4 us-gaap Time Deposits
TimeDeposits
132775000
CY2022 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
3
CY2022 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
29703000
CY2022 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-900000
CY2022 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
30603000
CY2022 us-gaap Noninterest Income
NoninterestIncome
13244000
CY2022 us-gaap Noninterest Expense
NoninterestExpense
32737000
CY2022 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
11110000
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2151000
CY2022 us-gaap Net Income Loss
NetIncomeLoss
8959000
CY2022Q4 us-gaap Assets
Assets
928571000
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
CY2022 botj Unsecured Debt Reverse Repurchase Agreements
UnsecuredDebtReverseRepurchaseAgreements
5000000
CY2022 us-gaap Proceeds From Federal Home Loan Bank Borrowings
ProceedsFromFederalHomeLoanBankBorrowings
21907000
CY2022Q4 botj Additional Federal Home Loan Bank Advances
AdditionalFederalHomeLoanBankAdvances
14046000
CY2021 botj Unsecured Federal Funds Outstanding Amount
UnsecuredFederalFundsOutstandingAmount
0
CY2022 botj Unsecured Federal Funds Outstanding Amount
UnsecuredFederalFundsOutstandingAmount
0
CY2022 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
2161000
CY2021 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
1748000
CY2022 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
-10000
CY2021 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
114000
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2151000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1862000
CY2022 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.21
CY2022 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
2333000
CY2021 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
1985000
CY2022 botj Income Tax Reconciliation Nontaxable Income
IncomeTaxReconciliationNontaxableIncome
-110000
CY2021 botj Income Tax Reconciliation Nontaxable Income
IncomeTaxReconciliationNontaxableIncome
-101000
CY2022 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
13000
CY2021 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
12000
CY2022 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-85000
CY2021 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-34000
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2151000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1862000
CY2022Q4 botj Deferred Tax Assets Lease Liabilities
DeferredTaxAssetsLeaseLiabilities
976000
CY2021Q4 botj Deferred Tax Assets Lease Liabilities
DeferredTaxAssetsLeaseLiabilities
1065000
CY2022Q4 botj Deferred Tax Assets Allowance For Loan Losses
DeferredTaxAssetsAllowanceForLoanLosses
1314000
CY2021Q4 botj Deferred Tax Assets Allowance For Loan Losses
DeferredTaxAssetsAllowanceForLoanLosses
1452000
CY2022Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
7119000
CY2021Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
368000
CY2022Q4 botj Deferred Tax Assets Other Real Estate Owned
DeferredTaxAssetsOtherRealEstateOwned
137000
CY2021Q4 botj Deferred Tax Assets Other Real Estate Owned
DeferredTaxAssetsOtherRealEstateOwned
96000
CY2022Q4 botj Deferred Tax Assets Nonaccrual Interest
DeferredTaxAssetsNonaccrualInterest
91000
CY2021Q4 botj Deferred Tax Assets Nonaccrual Interest
DeferredTaxAssetsNonaccrualInterest
121000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
782000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
665000
CY2022Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
21000
CY2021Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
40000
CY2022Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
10440000
CY2021Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
3807000
CY2022Q4 botj Deferred Tax Liabilities Right Of Use Assets
DeferredTaxLiabilitiesRightOfUseAssets
898000
CY2021Q4 botj Deferred Tax Liabilities Right Of Use Assets
DeferredTaxLiabilitiesRightOfUseAssets
1002000
CY2022Q4 botj Deferred Tax Liabilities Depreciation
DeferredTaxLiabilitiesDepreciation
303000
CY2021Q4 botj Deferred Tax Liabilities Depreciation
DeferredTaxLiabilitiesDepreciation
352000
CY2021Q4 us-gaap Deferred Tax Liabilities Goodwill And Intangible Assets Intangible Assets
DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets
1765000
CY2022Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
113000
CY2021Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
88000
CY2022Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
1314000
CY2021Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
3207000
CY2022Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
9126000
CY2021Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
600000
CY2022 us-gaap Net Income Loss
NetIncomeLoss
8959000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
7589000
CY2022 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4698041
CY2022 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4698041
CY2022 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4698041
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4747821
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4747821
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4747821
CY2022 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.91
CY2022 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.91
CY2022 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.91
CY2021 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.60
CY2021 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.60
CY2021 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.60
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
0
CY2021 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2022 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2021Q2 botj Percentage Of Stock Dividend Issued
PercentageOfStockDividendIssued
0.10
CY2021 us-gaap Stock Issued During Period Shares Dividend Reinvestment Plan
StockIssuedDuringPeriodSharesDividendReinvestmentPlan
0
CY2022 us-gaap Stock Issued During Period Shares Dividend Reinvestment Plan
StockIssuedDuringPeriodSharesDividendReinvestmentPlan
0
CY2021 botj Capital Conservation Buffer
CapitalConservationBuffer
0.025
CY2022 botj Capital Conservation Buffer
CapitalConservationBuffer
0.025
CY2022Q4 us-gaap Capital
Capital
90166000
CY2022Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.1198
CY2022Q4 us-gaap Capital Required For Capital Adequacy
CapitalRequiredForCapitalAdequacy
79014000
CY2022Q4 us-gaap Capital Required To Be Well Capitalized
CapitalRequiredToBeWellCapitalized
75252000
CY2022Q4 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
83907000
CY2022Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.1115
CY2022Q4 botj Tier One Risk Based Capital Required For Capital Adequacy With Buffer
TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBuffer
63964000
CY2022Q4 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
TierOneRiskBasedCapitalRequiredToBeWellCapitalized
60201000
CY2022 botj Common Equity Tier I Capital To Average Assets Actual Amount
CommonEquityTierICapitalToAverageAssetsActualAmount
83907000
CY2022 botj Common Equity Tier I Capital To Average Assets Actual Ratio
CommonEquityTierICapitalToAverageAssetsActualRatio
0.1115
CY2022 botj Common Equity Tier I Capital To Average Assets For Capital Adequacy Purposes Amount
CommonEquityTierICapitalToAverageAssetsForCapitalAdequacyPurposesAmount
52676000
CY2022 botj Common Equity Tier I Capital To Average Assets To Be Well Capitalized Under Promp Corrective Action Provisions Amount
CommonEquityTierICapitalToAverageAssetsToBeWellCapitalizedUnderPrompCorrectiveActionProvisionsAmount
48913000
CY2022Q4 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
83907000
CY2022Q4 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.0898
CY2022Q4 us-gaap Tier One Leverage Capital Required For Capital Adequacy
TierOneLeverageCapitalRequiredForCapitalAdequacy
37371000
CY2022Q4 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
46714000
CY2022 botj Capital Conservation Buffer
CapitalConservationBuffer
0.0250
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 botj Tier One Risk Based Capital Required For Capital Adequacy With Buffer
TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBuffer
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
CY2022Q4 us-gaap Cash Uninsured Amount
CashUninsuredAmount
13674000
CY2022Q4 botj Accounts Secured By Federal Deposit Insurance Corporation
AccountsSecuredByFederalDepositInsuranceCorporation
1
CY2022Q4 us-gaap Cash Fdic Insured Amount
CashFDICInsuredAmount
250000
CY2021Q4 us-gaap Cash Uninsured Amount
CashUninsuredAmount
4162000
CY2022Q4 us-gaap Debt Securities Available For Sale And Held To Maturity
DebtSecuritiesAvailableForSaleAndHeldToMaturity
185787000
CY2022Q4 us-gaap Derivative Assets
DerivativeAssets
91000
CY2022Q4 us-gaap Assets Fair Value Disclosure
AssetsFairValueDisclosure
185878000
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
CY2022 botj Number Of Leased Locations Under Long Term Leases
NumberOfLeasedLocationsUnderLongTermLeases
4
CY2022 botj Number Of Operating Leases
NumberOfOperatingLeases
2
CY2022 botj Number Of Finance Leases
NumberOfFinanceLeases
2
CY2022Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
1260000
CY2021Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
1325000
CY2022Q4 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
1204000
CY2021Q4 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
1282000
CY2022Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P12Y8M12D
CY2021Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P13Y8M12D
CY2022Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0344
CY2021Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0344
CY2022Q4 us-gaap Finance Lease Liability
FinanceLeaseLiability
3389000
CY2021Q4 us-gaap Finance Lease Liability
FinanceLeaseLiability
3746000
CY2022Q4 us-gaap Finance Lease Right Of Use Asset
FinanceLeaseRightOfUseAsset
3074000
CY2021Q4 us-gaap Finance Lease Right Of Use Asset
FinanceLeaseRightOfUseAsset
3488000
CY2022Q4 us-gaap Finance Lease Weighted Average Remaining Lease Term1
FinanceLeaseWeightedAverageRemainingLeaseTerm1
P8Y2M12D
CY2021Q4 us-gaap Finance Lease Weighted Average Remaining Lease Term1
FinanceLeaseWeightedAverageRemainingLeaseTerm1
P9Y2M12D
CY2022Q4 us-gaap Finance Lease Weighted Average Discount Rate Percent
FinanceLeaseWeightedAverageDiscountRatePercent
0.0270
CY2021Q4 us-gaap Finance Lease Weighted Average Discount Rate Percent
FinanceLeaseWeightedAverageDiscountRatePercent
0.0270
CY2022 us-gaap Operating Lease Cost
OperatingLeaseCost
121000
CY2021 us-gaap Operating Lease Cost
OperatingLeaseCost
125000
CY2022 us-gaap Finance Lease Right Of Use Asset Amortization
FinanceLeaseRightOfUseAssetAmortization
414000
CY2021 us-gaap Finance Lease Right Of Use Asset Amortization
FinanceLeaseRightOfUseAssetAmortization
414000
CY2022 us-gaap Finance Lease Interest Expense
FinanceLeaseInterestExpense
96000
CY2021 us-gaap Finance Lease Interest Expense
FinanceLeaseInterestExpense
106000
CY2022 us-gaap Lease Cost
LeaseCost
631000
CY2021 us-gaap Lease Cost
LeaseCost
645000
CY2022 us-gaap Operating Lease Payments
OperatingLeasePayments
112000
CY2021 us-gaap Operating Lease Payments
OperatingLeasePayments
112000
CY2022 us-gaap Finance Lease Interest Payment On Liability
FinanceLeaseInterestPaymentOnLiability
453000
CY2021 us-gaap Finance Lease Interest Payment On Liability
FinanceLeaseInterestPaymentOnLiability
453000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
110000
CY2022Q4 us-gaap Finance Lease Liability Payments Due Next Twelve Months
FinanceLeaseLiabilityPaymentsDueNextTwelveMonths
454000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
111000
CY2022Q4 us-gaap Finance Lease Liability Payments Due Year Two
FinanceLeaseLiabilityPaymentsDueYearTwo
479000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
112000
CY2022Q4 us-gaap Finance Lease Liability Payments Due Year Three
FinanceLeaseLiabilityPaymentsDueYearThree
515000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
116000
CY2022Q4 us-gaap Finance Lease Liability Payments Due Year Four
FinanceLeaseLiabilityPaymentsDueYearFour
515000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
125000
CY2022Q4 us-gaap Finance Lease Liability Payments Due Year Five
FinanceLeaseLiabilityPaymentsDueYearFive
517000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
1000000
CY2022Q4 us-gaap Finance Lease Liability Payments Due In Rolling After Year Five
FinanceLeaseLiabilityPaymentsDueInRollingAfterYearFive
1333000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
1574000
CY2022Q4 us-gaap Finance Lease Liability Payments Due
FinanceLeaseLiabilityPaymentsDue
3813000
CY2022Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
314000
CY2022Q4 us-gaap Finance Lease Liability Undiscounted Excess Amount
FinanceLeaseLiabilityUndiscountedExcessAmount
424000
CY2022Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
1260000
CY2022Q4 us-gaap Finance Lease Liability
FinanceLeaseLiability
3389000
CY2022 dei Auditor Name
AuditorName
Yount, Hyde & Barbour
CY2022 dei Auditor Location
AuditorLocation
Winchester, Virginia, US
CY2022 dei Auditor Firm
AuditorFirmId
613

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