Bank of the james financial group inc (BOTJ)
CashFlow / TTM
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

5,366

5,605

5,560

5,490

5,413

5,302

4,187

3,798

3,285

2,922

2,855

2,895

3,159

3,286

3,818

3,746

3,652

3,692

3,818

3,749

3,635

3,413

3,124

3,023

2,977

3,060

3,145

2,871

2,560

2,132

1,167

692

525

600

0

0

0

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

1,793

1,666

1,234

1,186

1,094

930

889

849

836

811

789

772

759

767

775

777

770

767

781

785

756

756

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Stock based compensation expense

106

106

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Depreciation

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

698

701

695

681

673

682

691

715

0

0

0

Net amortization and accretion of premiums and discounts on securities

-398

-398

-399

-407

-409

-413

-418

-406

-397

-386

-137

-368

-334

-276

-460

-169

-133

-110

-107

-116

-165

-237

-277

-310

-326

-338

-381

-431

-485

-547

-501

-611

-602

-604

0

0

0

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

0

-

-

-

-

-

-

-

-

113

163

321

432

487

443

244

85

49

100

96

178

143

137

142

191

456

668

898

892

674

827

1,152

1,192

1,182

0

0

0

(Gain) on sales of loans held for sale

4,740

4,254

3,761

3,191

2,989

2,918

3,031

2,958

2,683

2,434

2,331

2,230

2,313

2,433

2,284

2,314

2,246

2,278

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of loans held for sale

190,706

165,097

143,375

128,686

114,686

119,205

119,841

113,610

102,567

93,163

86,087

83,633

85,866

85,307

80,786

75,549

77,699

79,893

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Decrease) increase in other liabilities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

177

446

276

221

485

0

0

0

-

0

0

0

-

0

0

0

Origination of loans held for sale

189,496

163,394

142,715

124,123

110,853

115,331

117,837

113,953

101,699

89,522

82,210

79,465

81,480

84,743

77,727

74,715

77,417

78,549

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for loan losses

1,201

523

623

705

904

716

775

785

915

993

1,762

1,707

1,512

1,612

600

575

382

282

277

157

100

55

305

305

360

540

803

1,404

1,774

2,289

3,826

4,497

4,978

4,807

0

0

0

(Gain) loss on sale of other real estate owned

0

-19

-13

-57

-57

-39

0

0

0

-

-

0

0

-

-

-

-

-

-

-

-

-21

28

-2

11

-13

-43

-5

-82

-77

-377

-353

-447

-487

0

0

0

Impairment of other real estate owned

274

287

311

190

266

185

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

(Increase) in cash value of life insurance

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Increase) in loans held-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,204

2,319

1,027

1,017

-3,364

-303

-201

470

0

0

0

-

-

-

-

Bank owned life insurance income

-

-

-

-

-

341

342

342

344

345

346

335

313

292

270

263

267

269

273

275

278

282

286

291

295

299

305

310

316

323

329

303

276

249

0

0

0

(Increase) in interest receivable

-24

124

-121

6

119

29

280

457

462

335

289

89

130

130

83

-7

71

2

5

-11

-192

-114

-90

-216

-19

-197

-157

-59

-259

-26

-58

87

11

114

0

0

0

Decrease (increase) in other assets

763

805

-55

77

183

258

151

207

-143

3

367

-15

325

167

-402

169

78

154

199

-55

-36

-114

34

26

24

-144

-351

-216

-320

-393

-994

-866

-1,037

-1,122

0

0

0

Increase in income taxes payable

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Decrease in income taxes receivable

-

-

-

-

-

-264

40

48

140

152

49

166

194

118

287

119

170

151

524

517

363

497

-207

-189

-146

-176

-247

-19

-243

-51

408

351

428

374

0

0

0

Increase in interest payable

22

46

36

52

46

16

31

29

31

23

23

-9

-4

27

1

13

-1

3

18

13

15

-7

-9

-7

-6

-5

-10

-39

-41

-41

-33

-13

-6

-10

0

0

0

(Decrease) in other liabilities

341

286

-160

-37

-13

512

814

528

370

498

466

84

343

298

98

187

242

-69

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Valuation Adjustment on other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

Net cash provided by operating activities

5,470

5,592

5,647

9,807

7,879

8,573

6,238

2,902

3,959

6,717

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,034

7,511

7,124

0

0

0

Net cash provided by operating activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5,934

3,297

2,664

3,347

2,758

5,008

5,236

5,625

4,262

3,008

4,145

4,791

0

0

0

-

-

-

-

-

-

-

-

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

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,000

0

0

0

Proceeds from calls of securities held-to-maturity

-

-

-

-

-

2,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

1,000

0

0

0

-

-

-

-

-

-

-

-

7,000

0

0

0

Purchases of securities available-for-sale

0

-

-

-

-

998

7,665

12,912

18,825

27,395

29,616

39,703

44,317

40,464

38,338

30,847

26,994

27,019

0

0

0

-

-

-

-

30,367

34,575

36,257

34,665

44,343

58,354

71,909

82,153

72,827

0

0

0

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

3,222

3,171

2,000

2,303

2,146

2,204

2,244

2,328

2,245

3,233

3,724

7,785

10,853

9,744

9,091

5,564

1,003

1,622

1,206

47

1,060

120

248

306

335

2,316

4,341

10,474

17,735

18,849

23,286

25,691

22,550

20,114

0

0

0

Proceeds from sale of securities available-for-sale

0

-

-

-

-

-

-

-

-

9,940

14,644

14,357

21,044

24,637

22,989

22,613

12,643

13,440

20,699

21,365

31,182

27,708

22,843

21,620

19,710

27,867

31,498

35,639

29,318

24,665

28,989

41,215

47,472

44,671

0

0

0

Purchases of bank owned life insurance

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Life insurance proceeds

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of Federal Reserve Bank stock

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Purchase) redemption of Federal Home Loan Bank stock

-

-

-

-

-

-

-

-

-

42

42

42

42

60

60

60

60

-426

24

24

24

311

-139

-139

-139

-110

-471

-488

-552

-439

0

0

0

-

-

-

-

Purchase of Federal Reserve Bank stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Proceeds from sale of other real estate owned

721

570

349

670

670

846

845

786

892

514

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

716

-247

-312

924

1,283

3,624

3,777

2,852

2,663

0

0

0

Origination of loans, net of principal collected

36,404

44,566

27,984

29,694

36,136

40,560

22,312

32,319

27,175

18,824

39,200

33,581

34,670

35,990

31,361

40,969

31,201

37,579

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Origination of loans, net of principal collected

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-13,872

-15,472

-4,321

0

0

0

-

-

-

-

Origination of loans, net of principal collected

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Purchases of premises and equipment

3,271

4,398

5,487

4,826

3,320

2,301

1,049

1,428

1,702

1,919

2,529

2,322

2,141

1,707

1,727

1,457

1,480

1,512

1,448

1,350

1,236

1,342

636

856

981

821

714

416

368

414

400

405

475

694

0

0

0

Net cash provided by (used in) investing activities

-38,836

-52,525

-31,108

-31,591

-36,215

-38,766

-37,997

-49,441

-46,197

-46,713

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-5,720

-5,574

-9,508

0

0

0

Net cash (used in) investing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-42,481

-45,590

-45,754

-50,287

-54,756

-48,893

-32,926

-30,292

-27,628

-19,661

-26,442

-21,697

0

0

0

-

-

-

-

-

-

-

-

Cash flows from financing activities
Net increase in deposits

51,526

37,416

25,586

21,116

32,228

44,550

46,932

63,206

63,317

44,381

53,118

39,327

47,748

55,502

48,741

48,149

34,645

68,113

59,825

45,125

40,680

12,099

5,703

11,473

12,932

-11,617

8,779

4,199

-1,397

24,781

8,802

8,038

7,384

5,844

0

0

0

Principal payments on finance lease obligations

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repurchases of common stock

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in repurchase agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-8,379

-8,392

-8,550

-6,926

1,049

0

0

0

Net (decrease) in federal funds purchased

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,189

5,616

1,167

0

919

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-12,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividends paid to common stockholders

1,267

1,226

1,052

1,051

1,050

1,050

1,049

1,050

1,050

1,050

1,051

1,050

1,050

1,050

1,050

991

897

803

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Retirement of capital notes

-

-

-

-

-

-

-

-

-

-

-

-

-

10,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

-

-

-

-

-

-

-

-

-

5,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by financing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

48,062

47,889

32,479

62,852

51,564

41,348

40,070

20,739

11,431

12,560

13,020

-7,421

0

0

0

-

-

-

-

-

-

-

-

Net cash provided by financing activities

49,433

35,719

24,453

20,065

21,178

43,500

45,883

57,156

72,267

48,331

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,187

530

6,965

0

0

0

Increase (decrease) in cash and cash equivalents

16,067

-11,214

-1,008

-1,719

-7,158

13,307

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase in cash and cash equivalents

-

-

-

-

-

-

-

-

-

8,335

10,409

-1,201

5,575

28

11,515

5,596

-10,611

15,912

-434

-2,537

12,380

-3,928

-11,935

-4,093

-9,277

-24,327

5,767

-1,819

812

17,658

-5,152

2,501

2,467

4,581

0

0

0

Non cash transactions
Transfer of loans to other real estate owned

503

785

0

0

0

-

-

-

-

815

810

670

615

470

475

775

690

1,425

1,439

1,214

1,214

473

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Fair value adjustment for securities available-for-sale

3,378

2,833

4,220

2,828

1,408

-979

-2,351

-1,684

-925

564

-1,554

-2,030

-2,082

-1,531

543

1,605

351

-304

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Lease liabilities arising from right-of-use assets

-

6,373

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans made to finance the sale of other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

306

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Transfer of loans to foreclosed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

680

1,127

1,579

2,070

3,037

4,033

4,651

4,619

0

0

0

Fair value adjustment for securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,077

2,003

964

-2,600

-4,528

0

0

0

-

618

850

251

968

0

0

0

Cash transactions
Cash paid for interest

5,490

5,218

4,796

4,339

4,029

3,779

3,530

3,328

3,115

2,970

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash paid for interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,479

2,610

2,688

2,553

2,431

2,349

2,332

2,371

2,398

2,420

2,444

2,493

2,652

2,853

3,057

3,275

3,509

3,783

4,202

0

0

0

Cash paid for income taxes

-

-

-

-

-

-

-

-

-

1,825

1,825

2,425

2,100

2,100

2,075

1,216

1,875

1,875

1,700

1,811

1,425

1,425

1,327

1,274

1,275

1,275

1,121

1,154

800

800

919

707

712

712

0

0

0