Bank of the james financial group inc (BOTJ)
CashFlow / 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'11Mar'11
Cash flows from operating activities
Net Income

995

1,520

1,474

1,377

1,234

1,475

1,404

1,300

1,123

360

1,015

787

760

293

1,055

1,051

887

825

983

957

927

951

914

843

705

662

813

797

788

747

539

486

360

-218

64

319

435

Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization

504

683

293

313

377

251

245

221

213

210

205

208

188

188

188

195

196

196

190

188

193

210

194

159

193

-

-

-

-

-

-

-

-

-

-

-

-

Stock based compensation expense

27

26

27

26

27

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Depreciation

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

167

175

179

177

170

169

165

169

179

178

189

Net amortization and accretion of premiums and discounts on securities

-100

-100

-99

-99

-100

-101

-107

-101

-104

-106

-95

-92

-93

143

-326

-58

-35

-41

-35

-22

-12

-38

-44

-71

-84

-78

-77

-87

-96

-121

-127

-141

-158

-75

-237

-132

-160

(Gain) on sales of available-for-sale securities

431

-

-

-

-

-

-

-

-

0

51

52

10

50

209

163

65

6

10

4

29

57

6

86

-6

51

11

135

259

263

241

129

41

416

566

169

31

(Gain) on sales of loans held for sale

1,177

1,151

1,337

1,075

691

658

767

873

620

771

694

598

371

668

593

681

491

519

623

613

523

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of loans held for sale

46,037

50,978

47,827

45,864

20,428

29,256

33,138

31,864

24,947

29,892

26,907

20,821

15,543

22,816

24,453

23,054

14,984

18,295

19,216

25,204

17,178

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Decrease) increase in other liabilities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-40

147

170

-100

229

-23

115

164

-

60

-1,324

999

-

601

-223

62

Origination of loans held for sale

46,773

48,418

47,677

46,628

20,671

27,739

29,085

33,358

25,149

30,245

25,201

21,104

12,972

22,933

22,456

23,119

16,235

15,917

19,444

25,821

17,367

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for loan losses

888

89

108

116

210

189

190

315

22

248

200

445

100

1,017

145

250

200

5

120

57

100

0

0

0

55

250

0

55

235

513

601

425

750

2,050

1,272

906

579

(Gain) loss on sale of other real estate owned

6

-6

0

0

-13

0

-44

0

5

-

-

-9

-8

-

-

-

-

-

-

-

-

-22

-1

-1

3

27

-31

12

-21

-3

7

-65

-16

-303

31

-159

-56

Impairment of other real estate owned

102

1

171

0

115

25

50

76

34

-

-

-

-

-

-

-

-

-

-

-

-

-

35

97

46

-

20

259

25

-

-

-

-

-

-

-

-

(Increase) in cash value of life insurance

78

-

-

-

83

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Increase) in loans held-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-1,177

1,349

-90

1,122

-62

57

-100

-3,259

2,999

159

571

-

-

-

-

Bank owned life insurance income

-

-

-

-

-

85

86

85

85

86

86

87

86

87

75

65

65

65

68

69

67

69

70

72

71

73

75

76

75

79

80

82

82

85

54

55

55

(Increase) in interest receivable

56

111

-6

-185

204

-134

121

-72

114

117

298

-67

-13

71

98

-26

-13

24

8

52

-82

27

-8

-129

-4

51

-134

68

-182

91

-36

-132

51

59

109

-208

154

Decrease (increase) in other assets

-39

1,039

-187

-50

3

179

-55

56

78

72

1

-294

224

436

-381

46

66

-133

190

-45

142

-88

-64

-26

64

60

-72

-28

-104

-147

63

-132

-177

-748

191

-303

-262

Increase in income taxes payable

223

-

-

-

-305

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Decrease in income taxes receivable

-

-

-

-

-

-213

-24

327

-354

91

-16

419

-342

-12

101

447

-418

157

-67

498

-437

530

-74

344

-303

-174

-56

387

-333

-245

172

163

-141

214

115

240

-195

Increase in interest payable

3

6

8

5

27

-4

24

-1

-3

11

22

1

-11

11

-10

6

20

-15

2

-8

24

0

-3

-6

2

-2

-1

-5

3

-7

-30

-7

3

1

-10

0

-1

(Decrease) in other liabilities

-206

287

453

-193

-261

-159

576

-169

264

143

290

-327

392

111

-92

-68

347

-89

-3

-13

36

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Valuation Adjustment on other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

60

-

-

-

-

Net cash provided by operating activities

191

2,633

1,638

1,008

313

2,688

5,798

-920

1,007

353

2,462

137

3,765

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-174

2,084

2,149

1,975

1,303

1,697

Net cash provided by operating activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,963

44

178

2,749

326

-589

861

2,160

2,576

-361

1,250

797

1,322

776

1,896

-

-

-

-

-

-

-

-

Cash flows from investing activities
Purchases of securities held-to-maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

1,000

Proceeds from calls of securities held-to-maturity

-

-

-

-

-

0

0

0

2,000

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

1,000

-

-

-

-

-

-

-

-

0

1,000

4,000

2,000

Purchases of securities available-for-sale

8,259

-

-

-

-

0

0

0

998

6,667

5,247

5,913

9,568

8,888

15,334

10,527

5,715

6,762

7,843

6,674

5,740

-

-

-

-

5,205

7,848

9,342

7,972

9,413

9,530

7,750

17,650

23,424

23,085

17,994

8,324

Proceeds from maturities, calls and paydowns of securities available-for-sale

495

1,709

255

763

444

538

558

606

502

578

642

523

1,490

1,069

4,703

3,591

381

416

1,176

-970

1,000

0

17

43

60

128

75

72

2,041

2,153

6,208

7,333

3,155

6,590

8,613

4,192

719

Proceeds from sale of securities available-for-sale

14,619

-

-

-

-

-

-

-

-

-1

4,192

4,779

970

4,703

3,905

11,466

4,563

3,055

3,529

1,496

5,360

10,314

4,195

11,313

1,886

5,449

2,972

9,403

10,043

9,080

7,113

3,082

5,390

13,404

19,339

9,339

2,589

Purchases of bank owned life insurance

2,750

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Life insurance proceeds

588

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of Federal Reserve Bank stock

-

-

-

-

-

-

-

-

382

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Purchase) redemption of Federal Home Loan Bank stock

-

-

-

-

-

-

-

-

-

0

0

0

42

0

0

0

60

0

0

0

-426

450

0

0

-139

0

0

0

-110

-361

-17

-64

3

-

-

-

-

Purchase of Federal Reserve Bank stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1

Proceeds from sale of other real estate owned

500

221

0

0

349

0

321

0

525

-1

262

106

147

-

-

-

-

-

-

-

-

-

-

-

-

-61

284

334

159

-1,024

219

1,570

518

1,317

372

645

329

Origination of loans, net of principal collected

-1,709

22,683

-861

16,291

6,453

6,101

849

22,733

10,877

-12,147

10,856

17,589

2,526

8,229

5,237

18,678

3,846

3,600

14,845

8,910

10,224

-

14,837

9,295

9,523

-

-

-

-

-

-

-

-

-

-

-

-

Origination of loans, net of principal collected

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-6,328

-6,234

-487

-823

-7,928

4,917

-

-

-

-

Origination of loans, net of principal collected

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,700

Purchases of premises and equipment

159

508

991

1,613

1,286

1,597

330

107

267

345

709

381

484

955

502

200

50

975

232

223

82

911

134

109

188

205

354

234

28

98

56

186

74

84

61

256

293

Net cash provided by (used in) investing activities

6,743

-28,577

183

-17,185

-6,946

-7,160

-300

-21,809

-9,497

-6,391

-11,744

-18,565

-10,013

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,180

-3,747

-3,725

572

1,326

-7,681

Net cash (used in) investing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-15,065

-15,117

-4,727

-7,572

-18,174

-15,281

-9,260

-12,041

-12,311

686

-6,626

-9,377

-4,344

-6,095

-1,881

-

-

-

-

-

-

-

-

Cash flows from financing activities
Net increase in deposits

18,811

16,426

15,849

440

4,701

4,596

11,379

11,552

17,023

6,978

27,653

11,663

-1,913

15,715

13,862

20,084

5,841

8,954

13,270

6,580

39,309

666

-1,430

2,135

10,728

-5,730

4,340

3,594

-13,821

14,666

-240

-2,002

12,357

-1,313

-1,004

-2,656

10,817

Principal payments on finance lease obligations

80

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repurchases of common stock

275

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in repurchase agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-725

-7,654

-13

-158

899

321

Net (decrease) in federal funds purchased

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

360

-360

0

3,189

2,787

-4,809

-1,167

4,108

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

10,000

-

-

-

-

-

-

-

-

0

0

-2,000

-10,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividends paid to common stockholders

304

437

263

263

263

263

262

262

263

262

263

262

263

263

262

262

263

263

203

168

169

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Retirement of capital notes

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

10,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of 4% capital notes due 1/24/2022

-

-

-

-

-

-

-

-

-

0

0

0

5,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by financing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

13,600

19,822

-4,422

19,062

13,427

4,412

25,951

7,774

3,211

3,134

6,620

-1,534

4,340

3,594

-13,821

-

-

-

-

-

-

-

-

Net cash provided by financing activities

18,152

15,599

15,505

177

4,438

4,333

11,117

1,290

26,760

6,716

22,390

16,401

2,824

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-100

4,703

-1,254

-1,162

-1,757

11,138

Increase (decrease) in cash and cash equivalents

25,086

-10,345

17,326

-16,000

-2,195

-139

16,615

-21,439

18,270

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase in cash and cash equivalents

-

-

-

-

-

-

-

-

-

678

13,108

-2,027

-3,424

2,752

1,498

4,749

-8,971

14,239

-4,421

-11,458

17,552

-2,107

-6,524

3,459

1,244

-10,114

1,318

-1,725

-13,806

19,980

-6,268

906

3,040

-2,830

1,385

872

5,154

Non cash transactions
Transfer of loans to other real estate owned

18

325

0

160

300

-

-

-

-

0

140

140

535

-5

0

85

390

0

300

0

1,125

14

75

0

384

-

-

-

-

-

-

-

-

-

-

-

-

Fair value adjustment for securities available-for-sale

1,856

-357

699

1,180

1,311

1,030

-693

-240

-1,076

-342

-26

519

413

-2,460

-502

467

964

-386

560

-787

309

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Lease liabilities arising from right-of-use assets

-

0

0

3,383

2,990

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans made to finance the sale of other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

51

177

0

78

-

-

-

-

-

-

-

-

-

-

-

-

Transfer of loans to foreclosed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

219

80

411

-30

666

532

902

937

1,662

1,150

870

Fair value adjustment for securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

747

88

963

1,279

-327

-951

-2,601

-649

-

257

1,178

-199

-618

489

579

518

Cash transactions
Cash paid for interest

1,349

1,485

1,423

1,233

1,077

1,063

966

923

827

814

764

710

682

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash paid for interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

544

528

705

702

675

606

570

580

593

589

609

607

615

613

658

766

816

817

876

1,000

1,090

1,236

Cash paid for income taxes

-

-

-

-

-

-

-

-

-

550

500

775

0

550

1,100

450

0

525

241

1,109

0

350

352

723

0

252

299

724

0

98

332

370

0

217

120

375

0