$BOTJ
BANK OF THE JAMES FINANCIAL GROUP INC

2023 Q2 Form 10-Q Financial Statement

#000156276223000246 Filed on May 15, 2023

View on sec.gov

Income Statement

Concept 2023 Q2 2023 Q1
Revenue $955.0K $983.0K
YoY Change -87.43% -85.78%
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 $460.0K $491.0K
YoY Change -8.18% 81.85%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $2.238M $1.456M
YoY Change 372.15% 177.33%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $3.167M $2.471M
YoY Change 10.5% -7.56%
Income Tax $633.0K $487.0K
% Of Pretax Income 19.99% 19.71%
Net Earnings $2.534M $1.984M
YoY Change 10.56% -7.25%
Net Earnings / Revenue 265.34% 201.83%
Basic Earnings Per Share $0.56 $0.43
Diluted Earnings Per Share $0.56 $0.43
COMMON SHARES
Basic Shares Outstanding 4.543M 4.575M
Diluted Shares Outstanding 4.545M 4.619M

Balance Sheet

Concept 2023 Q2 2023 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $73.53M $64.61M
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 $17.56M $17.80M
YoY Change -3.26% -1.83%
Goodwill $2.054M $2.054M
YoY Change -46.22% -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 $950.9M $948.5M
YoY Change -0.9% -2.58%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $269.0K $218.0K
YoY Change 627.03% 458.97%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $10.17M $10.31M
YoY Change -5.11% -4.99%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $10.44M $10.53M
YoY Change 6042.35% 2027.68%
LONG-TERM LIABILITIES
Long-Term Debt $10.04M $10.04M
YoY Change 0.05% 0.05%
Other Long-Term Liabilities $10.59M $11.08M
YoY Change 6.04% 8.71%
Total Long-Term Liabilities $20.63M $21.12M
YoY Change 3.04% 4.41%
TOTAL LIABILITIES
Total Short-Term Liabilities $10.44M $10.53M
Total Long-Term Liabilities $20.63M $21.12M
Total Liabilities $898.2M $896.1M
YoY Change -0.89% -1.85%
SHAREHOLDERS EQUITY
Retained Earnings $33.22M $31.05M
YoY Change 22.1% 22.98%
Common Stock $44.98M $45.16M
YoY Change -5.06% -4.68%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $52.73M $52.38M
YoY Change
Total Liabilities & Shareholders Equity $950.9M $948.5M
YoY Change -0.9% -2.58%

Cashflow Statement

Concept 2023 Q2 2023 Q1
OPERATING ACTIVITIES
Net Income $2.534M $1.984M
YoY Change 10.56% -7.25%
Depreciation, Depletion And Amortization $460.0K $491.0K
YoY Change -8.18% 81.85%
Cash From Operating Activities -$2.220M $4.823M
YoY Change -153.88% -261.14%
INVESTING ACTIVITIES
Capital Expenditures $120.0K $189.0K
YoY Change -131.66% 256.6%
Acquisitions
YoY Change
Other Investing Activities $9.390M -$16.67M
YoY Change -149.27% -78.38%
Cash From Investing Activities $9.270M -$16.86M
YoY Change -147.69% -78.15%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 1.880M 14.88M
YoY Change -128.33% -340.89%
NET CHANGE
Cash From Operating Activities -2.220M 4.823M
Cash From Investing Activities 9.270M -16.86M
Cash From Financing Activities 1.880M 14.88M
Net Change In Cash 8.930M 2.845M
YoY Change -140.68% -103.29%
FREE CASH FLOW
Cash From Operating Activities -$2.220M $4.823M
Capital Expenditures $120.0K $189.0K
Free Cash Flow -$2.340M $4.634M
YoY Change -152.01% -252.13%

Facts In Submission

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AmortizationOfIntangibleAssets
140000
CY2023Q1 us-gaap Other Noninterest Expense
OtherNoninterestExpense
480000
CY2022Q1 us-gaap Other Noninterest Expense
OtherNoninterestExpense
656000
CY2023Q1 us-gaap Noninterest Expense
NoninterestExpense
8075000
CY2022Q1 us-gaap Noninterest Expense
NoninterestExpense
7648000
CY2023Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
2471000
CY2022Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
2673000
CY2023Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
487000
CY2022Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
534000
CY2023Q1 us-gaap Net Income Loss
NetIncomeLoss
1984000
CY2022Q1 us-gaap Net Income Loss
NetIncomeLoss
2139000
CY2023Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4618684
CY2023Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4618684
CY2022Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4740657
CY2022Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4740657
CY2023Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.43
CY2023Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.43
CY2022Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.45
CY2023Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
3270000
CY2022Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-13491000
CY2023Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
687000
CY2022Q1 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-2834000
CY2022Q1 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-5629000
CY2022Q1 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
53000
CY2023Q1 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
2583000
CY2022Q1 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-10657000
CY2023Q1 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
4567000
CY2022Q1 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
-8518000
CY2023Q1 us-gaap Net Income Loss
NetIncomeLoss
1984000
CY2022Q1 us-gaap Net Income Loss
NetIncomeLoss
2139000
CY2023Q1 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
491000
CY2022Q1 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
270000
CY2023Q1 us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-104000
CY2022Q1 us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-131000
CY2023Q1 us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
3000
CY2022Q1 us-gaap Amortization Of Financing Costs
AmortizationOfFinancingCosts
3000
CY2023Q1 us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
923000
CY2022Q1 us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
1904000
CY2023Q1 us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
34744000
CY2022Q1 us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
58513000
CY2023Q1 us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
32646000
CY2022Q1 us-gaap Payments For Origination Of Mortgage Loans Held For Sale
PaymentsForOriginationOfMortgageLoansHeldForSale
61497000
CY2023Q1 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
140000
CY2022Q1 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-300000
CY2023Q1 us-gaap Impairment Of Real Estate
ImpairmentOfRealEstate
26000
CY2023Q1 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
140000
CY2022Q1 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
140000
CY2023Q1 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
132000
CY2022Q1 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
113000
CY2023Q1 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-162000
CY2022Q1 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
130000
CY2023Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
168000
CY2022Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
345000
CY2023Q1 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
129000
CY2022Q1 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-7000
CY2023Q1 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
769000
CY2022Q1 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
107000
CY2023Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
4823000
CY2022Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
-2993000
CY2023Q1 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
2780000
CY2022Q1 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
68805000
CY2023Q1 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
2151000
CY2022Q1 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
3838000
CY2023Q1 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
1800000
CY2023Q1 botj Payments For Origination Of Loans Net Of Principal Collected
PaymentsForOriginationOfLoansNetOfPrincipalCollected
14242000
CY2022Q1 botj Payments For Origination Of Loans Net Of Principal Collected
PaymentsForOriginationOfLoansNetOfPrincipalCollected
12155000
CY2023Q1 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
189000
CY2023Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-16860000
CY2022Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-77175000
CY2023Q1 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
16299000
CY2023Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.43
CY2023Q1 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
90000
CY2022Q1 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
88000
CY2023Q1 us-gaap Repayments Of Other Debt
RepaymentsOfOtherDebt
144000
CY2022Q1 us-gaap Repayments Of Other Debt
RepaymentsOfOtherDebt
129000
CY2023Q1 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
813000
CY2023Q1 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
370000
CY2022Q1 us-gaap Payments Of Dividends Common Stock
PaymentsOfDividendsCommonStock
332000
CY2023Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
14882000
CY2022Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-6178000
CY2023Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
2845000
CY2022Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-86346000
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
CY2023Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
64607000
CY2022Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
96807000
CY2023Q1 botj Fair Value Of Adjustment For Securities
FairValueOfAdjustmentForSecurities
3270000
CY2022Q1 botj Fair Value Of Adjustment For Securities
FairValueOfAdjustmentForSecurities
-13491000
CY2023Q1 us-gaap Interest Paid Net
InterestPaidNet
1327000
CY2022Q1 us-gaap Interest Paid Net
InterestPaidNet
532000
CY2021Q4 us-gaap Stockholders Equity
StockholdersEquity
69429000
CY2022Q1 us-gaap Net Income Loss
NetIncomeLoss
2139000
CY2022Q1 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.07
CY2022Q1 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
332000
CY2022Q1 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-10657000
CY2022Q1 us-gaap Stockholders Equity
StockholdersEquity
60579000
CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
50226000
CY2023Q1 us-gaap Net Income Loss
NetIncomeLoss
1984000
CY2023Q1 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.08
CY2023Q1 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
370000
CY2023Q1 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
813000
CY2023Q1 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
2583000
CY2023Q1 us-gaap Stockholders Equity
StockholdersEquity
52011000
CY2023Q1 botj Number Of Jurisdictions
NumberOfJurisdictions
7
CY2023Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.43
CY2022Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.45
CY2023Q1 us-gaap Use Of Estimates
UseOfEstimates
<span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">The consolidated financial statements are prepared in accordance with accounting principles generally accepted in the United States of America which require management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant changes in the near term relate to the determination of the allowance for credit losses for loans.</span><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 106.7%;margin-bottom: 8pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Significant Accounting Policies and Estimates </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 106.7%;margin-bottom: 8pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Application of the principles of GAAP and practices within the banking industry requires management to make estimates, assumptions, and judgments that affect the amounts reported in the financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the financial statements; accordingly, as this information changes, the financial statements may reflect different estimates, assumptions, and judgments. Certain policies inherently rely more extensively on the use of estimates, assumptions, and judgments and as such may have a greater possibility of producing results that could be materially different than originally reported.</span></p>
CY2023Q1 us-gaap Debt Securities Available For Sale Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAllowanceForCreditLoss
0
CY2023Q1 us-gaap Net Income Loss
NetIncomeLoss
1984000
CY2022Q1 us-gaap Net Income Loss
NetIncomeLoss
2139000
CY2023Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4618684
CY2023Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4618684
CY2022Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4740657
CY2022Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4740657
CY2023Q1 us-gaap Held To Maturity Securities Debt Maturities After Five Through Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
2176000
CY2022Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.45
CY2023Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
0
CY2022 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2023Q1 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0
CY2023Q1 us-gaap Debt Securities Available For Sale And Held To Maturity
DebtSecuritiesAvailableForSaleAndHeldToMaturity
189587000
CY2023Q1 us-gaap Assets Fair Value Disclosure
AssetsFairValueDisclosure
189766000
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
CY2023Q1 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
220217000
CY2023Q1 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
30630000
CY2023Q1 us-gaap Debt Securities Available For Sale And Held To Maturity
DebtSecuritiesAvailableForSaleAndHeldToMaturity
189587000
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
CY2023Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
8815000
CY2023Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
710000
CY2023Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
172773000
CY2023Q1 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
29920000
CY2023Q1 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
181588000
CY2023Q1 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
30630000
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
CY2023Q1 botj Number Of Securities Evaluated For Other Than Temporary Impairment
NumberOfSecuritiesEvaluatedForOtherThanTemporaryImpairment
117
CY2023Q1 botj Number Of Securities Past Due Or On Nonaccrual
NumberOfSecuritiesPastDueOrOnNonaccrual
0
CY2022Q1 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
0
CY2023Q1 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
0
CY2023Q1 us-gaap Held To Maturity Securities Debt Maturities After Five Through Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount
2423000
CY2023Q1 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Net Carrying Amount
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount
1211000
CY2023Q1 us-gaap Held To Maturity Securities Debt Maturities After Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue
1035000
CY2023Q1 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
3634000
CY2023Q1 us-gaap Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
3211000
CY2023Q1 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
7717000
CY2023Q1 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
7566000
CY2023Q1 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
41630000
CY2023Q1 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
38166000
CY2023Q1 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
67213000
CY2023Q1 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
58653000
CY2023Q1 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
103657000
CY2023Q1 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
85202000
CY2023Q1 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
220217000
CY2023Q1 us-gaap Debt Securities Available For Sale And Held To Maturity
DebtSecuritiesAvailableForSaleAndHeldToMaturity
189587000
CY2023Q1 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
3
CY2023Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
7642000
CY2023Q1 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
140000
CY2023Q1 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
7502000
CY2023Q1 us-gaap Noninterest Income
NoninterestIncome
3044000
CY2023Q1 us-gaap Noninterest Expense
NoninterestExpense
8075000
CY2023Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
2471000
CY2023Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
487000
CY2023Q1 us-gaap Net Income Loss
NetIncomeLoss
1984000
CY2023Q1 us-gaap Assets
Assets
948101000
CY2022Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
6390000
CY2022Q1 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
-300000
CY2022Q1 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
6690000
CY2022Q1 us-gaap Noninterest Income
NoninterestIncome
3631000
CY2022Q1 us-gaap Noninterest Expense
NoninterestExpense
7648000
CY2022Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
2673000
CY2022Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
534000
CY2022Q1 us-gaap Net Income Loss
NetIncomeLoss
2139000
CY2022Q1 us-gaap Assets
Assets
973585000
CY2023Q1 us-gaap Notes Receivable Gross
NotesReceivableGross
625938000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7715000
CY2023Q1 us-gaap Notes Receivable Net
NotesReceivableNet
618223000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
611625000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
6259000
CY2022Q4 us-gaap Notes Receivable Net
NotesReceivableNet
605366000
CY2023Q1 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
1054000
CY2022Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
1114000
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
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
6259000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
33000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
104000
CY2023Q1 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
140000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7715000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
2000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
7713000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
7715000
CY2023Q1 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
5717000
CY2023Q1 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
620221000
CY2023Q1 us-gaap Notes Receivable Gross
NotesReceivableGross
625938000
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 Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
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
CY2023Q1 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
31421000
CY2023Q1 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
149844000
CY2023Q1 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
133525000
CY2023Q1 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
44832000
CY2023Q1 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
44262000
CY2023Q1 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
148282000
CY2023Q1 us-gaap Financing Receivable Revolving
FinancingReceivableRevolving
73772000
CY2023Q1 us-gaap Notes Receivable Gross
NotesReceivableGross
625938000
CY2023Q1 us-gaap Financing Receivable Revolving Converted To Term Loan
FinancingReceivableRevolvingConvertedToTermLoan
1448000
CY2023Q1 botj Financing Receivable Excluding Accrued Interest Year Three Originated Two Years Before Current Fiscal Year Writeoff
FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff
10000
CY2023Q1 botj Financing Receivable Excluding Accrued Interest Year Four Originated Three Years Before Current Fiscal Year Writeoff
FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff
17000
CY2023Q1 botj Financing Receivable Excluding Accrued Interest Revolving Writeoff
FinancingReceivableExcludingAccruedInterestRevolvingWriteoff
6000
CY2023Q1 us-gaap Financing Receivable Excluding Accrued Interest Allowance For Credit Loss Writeoff
FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
33000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
611625000
CY2023Q1 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
525000
CY2023Q1 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
525000
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
633000
CY2023Q1 us-gaap Notes Receivable Gross
NotesReceivableGross
625938000
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
611625000
CY2023Q1 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2023Q1 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2022Q1 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2023Q1 us-gaap Other Real Estate
OtherRealEstate
540000000
CY2022Q4 us-gaap Other Real Estate
OtherRealEstate
566000000
CY2023Q1 us-gaap Other Real Estate Valuation Adjustments
OtherRealEstateValuationAdjustments
26000000
CY2022Q4 us-gaap Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
566000
CY2021Q4 us-gaap Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
761000
CY2023Q1 us-gaap Real Estate Owned Valuation Allowance Amounts Applied
RealEstateOwnedValuationAllowanceAmountsApplied
26000
CY2022 us-gaap Real Estate Owned Valuation Allowance Amounts Applied
RealEstateOwnedValuationAllowanceAmountsApplied
195000
CY2023Q1 us-gaap Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
540000
CY2022Q4 us-gaap Real Estate Acquired Through Foreclosure
RealEstateAcquiredThroughForeclosure
566000
CY2022Q4 us-gaap Mortgage Loans In Process Of Foreclosure Amount
MortgageLoansInProcessOfForeclosureAmount
0
CY2023Q1 us-gaap Mortgage Loans In Process Of Foreclosure Amount
MortgageLoansInProcessOfForeclosureAmount
0

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