Bank of the James
NASDAQ:BOTJ
Income Statement
Income Statement
Bank of the James
| Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
11
|
12
|
13
|
14
|
15
|
16
|
15
|
15
|
15
|
16
|
16
|
16
|
16
|
16
|
16
|
16
|
16
|
16
|
16
|
16
|
16
|
17
|
17
|
17
|
18
|
18
|
19
|
19
|
19
|
19
|
20
|
20
|
21
|
21
|
22
|
23
|
23
|
24
|
24
|
25
|
25
|
25
|
24
|
24
|
25
|
26
|
27
|
27
|
27
|
27
|
27
|
28
|
30
|
31
|
31
|
31
|
30
|
29
|
29
|
29
|
29
|
30
|
31
|
32
|
|
| Interest Income |
21
|
21
|
22
|
22
|
22
|
21
|
21
|
20
|
20
|
19
|
19
|
19
|
19
|
19
|
19
|
18
|
18
|
18
|
18
|
19
|
19
|
19
|
19
|
20
|
20
|
21
|
21
|
21
|
22
|
22
|
22
|
23
|
24
|
24
|
25
|
26
|
27
|
28
|
29
|
29
|
30
|
30
|
30
|
30
|
30
|
30
|
30
|
30
|
29
|
29
|
29
|
30
|
32
|
34
|
36
|
38
|
39
|
41
|
42
|
44
|
45
|
45
|
46
|
46
|
|
| Interest Expense |
9
|
9
|
9
|
8
|
6
|
6
|
5
|
5
|
4
|
4
|
4
|
3
|
3
|
3
|
3
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
3
|
3
|
3
|
2
|
2
|
2
|
2
|
3
|
3
|
3
|
3
|
3
|
4
|
4
|
4
|
4
|
5
|
5
|
6
|
5
|
5
|
5
|
4
|
3
|
3
|
2
|
2
|
2
|
2
|
2
|
3
|
5
|
7
|
10
|
12
|
13
|
15
|
15
|
15
|
15
|
14
|
|
| Non Interest Income |
3
|
3
|
3
|
3
|
4
|
3
|
3
|
3
|
4
|
4
|
4
|
4
|
4
|
4
|
4
|
4
|
3
|
3
|
3
|
3
|
4
|
4
|
4
|
4
|
4
|
4
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
5
|
6
|
7
|
8
|
9
|
10
|
11
|
11
|
11
|
11
|
11
|
12
|
12
|
13
|
13
|
13
|
13
|
12
|
13
|
13
|
14
|
14
|
15
|
15
|
15
|
15
|
|
| Revenue |
14
N/A
|
15
+5%
|
16
+8%
|
18
+9%
|
19
+5%
|
19
+2%
|
19
-2%
|
19
+1%
|
19
+1%
|
19
+1%
|
19
+1%
|
19
+0%
|
19
+0%
|
20
+2%
|
20
+1%
|
20
-2%
|
19
0%
|
19
-1%
|
19
+1%
|
20
+2%
|
20
+1%
|
20
+2%
|
21
+2%
|
22
+3%
|
22
+1%
|
22
+3%
|
23
+3%
|
23
+2%
|
24
+2%
|
24
+0%
|
24
+1%
|
25
+2%
|
25
+3%
|
26
+3%
|
27
+3%
|
28
+3%
|
28
+2%
|
29
+3%
|
30
+2%
|
31
+3%
|
32
+3%
|
33
+3%
|
34
+3%
|
35
+3%
|
36
+5%
|
37
+2%
|
38
+3%
|
38
+1%
|
38
0%
|
39
+2%
|
40
+1%
|
42
+5%
|
43
+3%
|
44
+2%
|
44
+1%
|
43
-3%
|
43
-1%
|
42
-1%
|
43
+1%
|
43
+2%
|
44
+2%
|
45
+2%
|
46
+2%
|
47
+2%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(4)
|
(4)
|
(4)
|
(2)
|
(3)
|
(3)
|
(3)
|
(4)
|
(5)
|
(5)
|
(5)
|
(4)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Non Interest Expense |
(11)
|
(12)
|
(12)
|
(13)
|
(14)
|
(14)
|
(13)
|
(14)
|
(14)
|
(14)
|
(14)
|
(14)
|
(14)
|
(15)
|
(15)
|
(15)
|
(15)
|
(15)
|
(15)
|
(15)
|
(15)
|
(15)
|
(15)
|
(16)
|
(16)
|
(17)
|
(17)
|
(17)
|
(18)
|
(18)
|
(18)
|
(19)
|
(19)
|
(20)
|
(20)
|
(21)
|
(21)
|
(21)
|
(22)
|
(23)
|
(24)
|
(25)
|
(27)
|
(28)
|
(30)
|
(30)
|
(29)
|
(29)
|
(29)
|
(29)
|
(29)
|
(31)
|
(32)
|
(33)
|
(33)
|
(32)
|
(32)
|
(32)
|
(33)
|
(34)
|
(34)
|
(37)
|
(37)
|
(38)
|
|
| Pre-Tax Income |
(1)
N/A
|
(1)
+19%
|
(0)
+80%
|
2
N/A
|
2
+3%
|
3
+4%
|
2
-27%
|
1
-36%
|
1
-56%
|
0
-27%
|
1
+68%
|
1
+102%
|
3
+114%
|
3
+23%
|
4
+13%
|
4
+13%
|
4
-3%
|
4
-2%
|
4
+2%
|
4
+4%
|
5
+11%
|
5
+7%
|
5
+4%
|
5
+2%
|
5
0%
|
5
-1%
|
5
+3%
|
6
+2%
|
5
-13%
|
5
-4%
|
4
-9%
|
4
-1%
|
5
+30%
|
6
+6%
|
6
+8%
|
6
+4%
|
7
+3%
|
7
+2%
|
7
+1%
|
7
+1%
|
7
-1%
|
7
-4%
|
6
-11%
|
6
-1%
|
6
+5%
|
7
+17%
|
9
+21%
|
9
+6%
|
9
+2%
|
10
+4%
|
10
+4%
|
11
+8%
|
11
+1%
|
11
-2%
|
11
+3%
|
11
-5%
|
10
-3%
|
11
+2%
|
10
-5%
|
10
-1%
|
10
+0%
|
8
-17%
|
9
+9%
|
10
+8%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
1
|
1
|
0
|
(1)
|
(1)
|
(1)
|
(0)
|
(0)
|
0
|
0
|
0
|
(0)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
|
| Income from Continuing Operations |
(1)
|
(0)
|
0
|
2
|
2
|
2
|
1
|
1
|
1
|
1
|
1
|
1
|
2
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
4
|
4
|
4
|
4
|
4
|
4
|
4
|
3
|
3
|
3
|
3
|
4
|
4
|
5
|
5
|
5
|
5
|
5
|
6
|
6
|
5
|
5
|
5
|
5
|
6
|
7
|
7
|
8
|
8
|
8
|
9
|
9
|
9
|
9
|
9
|
9
|
9
|
9
|
8
|
8
|
7
|
7
|
8
|
|
| Net Income (Common) |
(1)
N/A
|
(0)
+28%
|
0
N/A
|
2
+1 425%
|
2
-1%
|
2
+4%
|
1
-24%
|
1
-31%
|
1
-40%
|
1
-13%
|
1
+33%
|
1
+70%
|
2
+82%
|
3
+21%
|
3
+12%
|
3
+9%
|
3
-3%
|
3
-3%
|
3
+1%
|
3
+3%
|
3
+9%
|
4
+6%
|
4
+3%
|
4
+2%
|
4
-3%
|
4
-1%
|
4
+2%
|
4
+2%
|
3
-14%
|
3
-4%
|
3
-8%
|
3
-1%
|
3
+2%
|
3
+13%
|
4
+16%
|
4
+10%
|
5
+27%
|
5
+2%
|
5
+1%
|
6
+1%
|
6
+1%
|
5
-4%
|
5
-10%
|
5
0%
|
5
+4%
|
6
+17%
|
7
+20%
|
7
+6%
|
8
+2%
|
8
+4%
|
8
+4%
|
9
+8%
|
9
+1%
|
9
-2%
|
9
+3%
|
9
-5%
|
9
+2%
|
9
+2%
|
9
-4%
|
8
-1%
|
8
-6%
|
7
-17%
|
7
+8%
|
8
+11%
|
|
| EPS (Diluted) |
-0.18
N/A
|
-0.12
+33%
|
0.03
N/A
|
0.5
+1 567%
|
0.5
N/A
|
0.52
+4%
|
0.4
-23%
|
0.28
-30%
|
0.16
-43%
|
0.15
-6%
|
0.19
+27%
|
0.32
+68%
|
0.58
+81%
|
0.69
+19%
|
0.78
+13%
|
0.85
+9%
|
0.83
-2%
|
0.81
-2%
|
0.82
+1%
|
0.85
+4%
|
0.92
+8%
|
0.99
+8%
|
1.02
+3%
|
1.04
+2%
|
0.97
-7%
|
0.75
-23%
|
0.77
+3%
|
0.79
+3%
|
0.68
-14%
|
0.66
-3%
|
0.6
-9%
|
0.59
-2%
|
0.6
+2%
|
0.68
+13%
|
0.78
+15%
|
0.86
+10%
|
1.1
+28%
|
1.13
+3%
|
1.15
+2%
|
1.17
+2%
|
1.16
-1%
|
1.13
-3%
|
1.01
-11%
|
1
-1%
|
1.04
+4%
|
1.21
+16%
|
1.46
+21%
|
1.56
+7%
|
1.6
+3%
|
1.66
+4%
|
1.72
+4%
|
1.89
+10%
|
1.91
+1%
|
1.9
-1%
|
1.98
+4%
|
1.87
-6%
|
1.91
+2%
|
1.96
+3%
|
1.88
-4%
|
1.86
-1%
|
1.75
-6%
|
1.46
-17%
|
1.58
+8%
|
1.75
+11%
|
|