Bank of the james financial group inc (BOTJ)
Balance Sheet / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Dec'10
Assets
Cash and due from banks

31,656

30,794

27,315

24,543

28,533

26,725

25,849

25,717

21,769

20,267

22,806

18,117

19,751

16,938

16,206

20,918

16,104

15,952

14,416

16,498

17,595

12,743

14,850

21,374

17,853

16,671

19,410

16,165

20,249

16,827

17,861

18,924

13,283

17,678

17,429

10,235

11,665

Fed funds sold

32,541

8,317

22,141

7,587

20,207

23,600

24,615

8,132

33,519

16,751

13,534

5,115

5,508

11,745

9,725

3,515

3,580

12,703

-

2,339

12,700

-

-

-

62

-

7,375

9,302

6,943

24,171

3,157

8,362

13,097

5,662

8,741

14,550

7,094

Total cash and cash equivalents

64,197

39,111

49,456

32,130

48,740

50,325

50,464

33,849

55,288

37,018

36,340

23,232

25,259

28,683

25,931

24,433

19,684

28,655

-

18,837

30,295

12,743

-

-

17,915

-

26,785

25,467

27,192

40,998

21,018

27,286

26,380

23,340

26,170

24,785

18,759

Securities held-to-maturity (fair value of $4,223 in 2020 and $3,861 in 2019)

3,683

3,688

3,690

3,694

3,697

3,700

3,703

3,706

3,708

5,713

3,282

3,288

3,293

3,299

3,304

3,309

2,517

2,519

2,523

2,524

2,526

2,528

2,530

2,532

2,535

3,537

3,543

3,063

3,069

3,075

3,081

3,087

8,101

8,133

8,165

9,196

14,297

Securities available-for-sale, at fair value

54,992

59,655

54,400

53,818

53,497

52,727

52,333

53,688

54,633

55,312

49,664

49,315

48,220

40,776

39,922

33,809

37,763

35,996

33,122

29,448

24,103

24,395

33,940

36,514

45,336

46,091

46,811

-

-

50,294

-

-

57,159

-

45,153

49,171

38,586

Securities available-for-sale, at fair value

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

43,022

45,702

-

52,260

55,674

-

48,338

-

-

-

Restricted stock, at cost

1,506

1,506

1,506

1,506

1,462

1,462

1,462

1,462

1,887

1,505

1,505

1,505

1,415

1,373

1,373

1,373

1,373

1,313

1,313

1,313

1,313

1,739

1,289

1,289

1,289

1,428

1,428

1,428

1,428

1,538

1,899

1,916

1,980

1,977

2,030

2,080

2,180

Loans, net of allowance for loan losses of $5,474 in 2020 and $4,829 in 2019

570,659

573,274

551,005

551,974

535,959

530,016

524,104

523,730

501,877

491,022

493,764

483,248

466,244

464,353

457,136

452,044

433,701

430,445

426,850

412,425

403,572

394,573

373,390

358,451

349,156

339,994

330,472

331,703

325,510

319,922

318,712

319,216

312,185

318,754

319,315

319,601

320,715

Loans held for sale

6,134

4,221

5,630

4,443

2,604

1,670

2,529

5,815

3,448

2,626

1,502

2,514

1,633

3,833

3,048

-

-

1,964

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4,452

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,706

-

3,823

2,972

1,742

1,030

2,003

3,180

1,831

1,921

799

861

804

904

4,163

1,164

1,005

434

-

-

-

Premises and equipment, net

16,493

16,698

16,578

15,876

14,473

13,426

12,080

11,995

12,109

12,055

11,920

11,416

11,243

10,947

10,180

9,866

9,861

10,007

9,228

9,186

9,151

9,262

8,177

8,297

8,340

8,676

8,461

8,240

8,221

8,340

8,479

8,785

8,768

8,735

8,813

8,970

8,880

Software, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

384

324

331

-

226

260

220

252

192

-

-

124

-

-

-

Software, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

131

92

-

Interest receivable

1,922

1,866

1,755

1,761

1,946

1,742

1,876

1,755

1,827

1,713

1,596

1,298

1,365

1,378

1,307

1,209

1,235

1,248

1,224

1,216

1,164

1,246

1,219

1,227

1,356

1,360

1,309

1,443

1,375

1,557

1,466

1,502

1,634

1,583

1,524

1,415

1,469

Cash value - bank owned life insurance

16,278

13,686

13,606

13,526

13,442

13,359

13,274

13,188

13,103

13,018

12,932

12,846

12,759

12,673

12,586

9,911

9,846

9,781

9,716

9,648

9,579

9,512

9,443

9,373

9,301

9,230

9,157

9,082

9,006

8,931

8,853

8,773

8,691

8,609

8,524

5,470

5,360

Other real estate owned

1,761

2,339

2,242

2,413

2,253

2,430

2,455

2,585

2,096

2,650

2,639

2,775

2,750

2,370

2,370

2,420

2,355

1,965

2,265

2,065

2,081

956

1,160

1,329

1,714

1,451

1,701

1,817

2,318

-

2,267

2,263

3,566

3,253

5,216

4,281

3,440

Other real estate owned, net of valuation allowance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,112

-

-

-

-

-

-

-

Income taxes receivable

-

-

83

454

797

1,102

1,315

1,339

1,012

1,366

1,275

1,291

872

1,214

1,226

1,125

678

1,096

939

1,006

508

945

415

489

145

448

622

678

291

624

869

-

-

675

464

349

-

Deferred tax asset, net

-

-

1,085

1,232

1,480

-

1,839

1,695

1,644

1,418

2,065

2,057

2,234

2,374

1,083

912

1,071

1,399

-

1,384

1,116

1,221

1,836

1,865

2,193

2,628

2,795

2,472

1,587

1,367

953

-

-

1,375

-

-

-

Deferred tax asset, net

788

1,177

-

-

-

1,755

-

-

-

-

-

-

-

-

-

-

-

-

1,194

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred tax asset

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,359

1,526

-

Other assets

7,642

8,173

7,078

7,268

4,038

1,183

1,004

1,059

1,003

925

852

852

1,146

922

486

867

821

755

1,002

812

857

715

1,050

1,116

1,142

1,076

1,263

1,335

1,363

1,467

1,865

3,538

3,903

2,106

2,576

2,689

5,242

Total assets

746,055

725,394

708,114

690,095

684,388

674,897

668,438

655,866

653,635

626,341

619,336

595,637

578,433

574,195

559,952

545,730

524,611

527,143

507,615

492,836

488,007

460,865

451,686

447,360

442,584

434,511

435,372

430,871

428,086

441,381

426,077

433,204

433,372

427,436

429,440

429,625

418,928

Liabilities and Stockholders' Equity
Deposits
Noninterest bearing demand

97,104

93,936

90,426

88,897

93,624

91,356

89,844

86,757

83,964

74,102

122,201

111,678

105,276

62,135

102,547

97,544

92,769

91,325

87,933

83,828

82,171

74,682

77,507

73,917

71,665

63,256

70,535

50,745

65,212

64,853

62,311

56,740

60,180

55,569

54,868

48,132

44,272

NOW, money market and savings

377,507

362,821

350,885

342,384

331,848

331,298

329,870

328,082

318,523

307,987

255,784

249,594

250,911

295,948

240,885

235,437

234,817

232,864

224,908

220,092

218,825

227,761

224,257

229,537

228,305

226,709

225,345

243,044

226,619

241,876

229,306

234,642

235,043

230,386

233,164

243,896

241,176

Time

193,659

192,702

191,722

185,903

191,272

189,389

187,733

181,229

182,029

185,404

182,530

171,590

165,012

165,029

163,965

160,554

145,865

143,421

145,815

141,466

137,810

97,054

97,067

96,807

98,156

97,433

97,248

94,999

93,363

92,286

92,732

93,207

91,368

88,279

87,515

84,523

82,942

Total deposits

668,270

649,459

633,033

617,184

616,744

612,043

607,447

596,068

584,516

567,493

560,515

532,862

521,199

523,112

507,397

493,535

473,451

467,610

458,656

445,386

438,806

399,497

398,831

400,261

398,126

387,398

393,128

388,788

385,194

399,015

384,349

384,589

386,591

374,234

375,547

376,551

368,390

Repurchase agreements

-

-

-

-

-

-

-

-

-

-

-

5,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal funds purchased

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

360

-

-

3,189

5,976

1,167

-

4,108

-

-

-

-

-

-

-

-

-

-

-

Repurchase agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

725

8,379

8,392

8,550

7,330

FHLB borrowings

-

-

-

-

-

-

-

-

10,000

-

-

-

-

-

-

-

-

-

-

-

2,000

12,000

2,000

2,000

2,000

2,000

2,000

2,000

2,000

2,000

2,000

10,000

10,000

10,000

10,000

10,000

10,000

Capital notes

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

5,000

-

-

-

-

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

10,000

-

7,000

7,000

7,000

7,000

7,000

Income taxes payable

347

124

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest payable

176

173

167

159

154

127

131

107

108

111

100

78

77

88

77

87

81

61

76

74

82

58

58

61

67

65

67

68

73

70

77

107

114

111

110

120

121

Dividends Payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

202

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other liabilities

8,934

9,193

8,875

8,503

5,313

2,584

2,743

2,167

2,336

2,072

1,929

1,639

1,966

1,574

1,463

1,555

1,623

1,276

1,365

1,368

1,381

1,345

1,385

1,238

1,068

1,168

939

962

847

683

642

582

1,906

907

1,032

431

592

Total liabilities

682,727

663,949

647,075

630,846

627,211

619,754

615,321

603,342

601,960

574,676

567,544

544,579

528,242

524,774

508,937

495,177

475,155

478,947

470,457

457,030

452,269

426,089

418,250

414,727

411,261

404,739

406,134

401,818

398,114

411,768

397,068

404,905

406,336

400,631

402,081

402,652

393,433

Commitments and Contingencies

-

-

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Stockholders' equity
Preferred stock; authorized 1,000,000 shares; none issued and outstanding

-

-

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

-

-

-

0

-

-

-

-

-

-

-

Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,339,436 and 4,357,436 as of March 31, 2020 and December 31, 2019

9,286

9,325

9,370

9,370

9,370

9,370

9,370

9,370

9,370

9,370

9,370

9,370

9,370

9,370

9,370

9,370

9,370

9,370

7,215

7,215

7,215

7,215

7,201

7,201

7,201

7,201

7,175

7,175

7,175

7,175

7,152

7,152

7,152

7,152

7,113

7,113

7,113

Additional paid-in-capital

30,989

31,225

31,575

31,548

31,522

31,495

31,495

31,495

31,495

31,495

31,495

31,495

31,495

31,495

31,495

31,495

31,495

31,495

22,919

22,919

22,919

22,919

22,868

22,868

22,868

22,868

22,806

22,806

22,806

22,806

22,775

22,775

22,775

22,775

22,742

22,742

22,742

Retained earnings

21,591

20,900

19,817

18,606

17,492

16,521

15,309

14,167

13,129

12,269

11,930

11,178

10,653

10,156

10,126

9,333

8,544

7,920

7,358

6,376

5,789

5,031

4,250

3,504

2,829

2,124

1,462

649

-148

-936

-1,683

-2,222

-2,708

-3,068

-2,850

-2,914

-3,668

Accumulated other comprehensive income (loss)

1,462

-5

277

-275

-1,207

-2,243

-3,057

-2,508

-2,319

-1,469

-1,003

-985

-1,327

-1,600

24

355

47

-589

-334

-704

-185

-389

-883

-940

-1,575

-2,421

-2,205

-1,577

139

568

765

594

-183

-54

354

32

-692

Total stockholders' equity

63,328

61,445

61,039

59,249

57,177

55,143

53,117

52,524

51,675

51,665

51,792

51,058

50,191

49,421

51,015

50,553

49,456

48,196

37,158

35,806

35,738

34,776

33,436

32,633

31,323

29,772

29,238

29,053

29,972

29,613

29,009

28,299

27,036

26,805

27,359

26,973

25,495

Total liabilities and stockholders' equity

746,055

725,394

708,114

690,095

684,388

674,897

668,438

655,866

653,635

626,341

619,336

595,637

578,433

574,195

559,952

545,730

524,611

527,143

507,615

492,836

488,007

460,865

451,686

447,360

442,584

434,511

435,372

430,871

428,086

441,381

426,077

433,204

433,372

427,436

429,440

429,625

418,928