Bank of the James Financial Group, Inc. (BOTJ) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 8.73M | 8.6M | 8.29M | 8.21M | 7.71M | 7.65M | 7.5M | 7.06M | 6.94M | 7.36M | 7.36M | 7.31M | 7.63M | 8.26M | 7.89M | 7.1M | 6.39M | 6.77M | 6.82M | 6.68M |
| NII Growth % | 13.34% | 12.43% | 10.51% | 16.43% | 11.07% | 4% | 1.92% | -3.5% | -9.12% | -10.93% | -6.83% | 3.03% | 19.54% | 21.98% | 15.8% | 6.23% | -5.28% | -1.28% | 10.18% | 13.35% |
| Net Interest Margin % | 0.82% | 0.83% | 0.81% | 0.82% | 0.76% | 0.78% | 0.74% | 0.72% | 0.7% | 0.76% | 0.77% | 0.77% | 0.81% | 0.89% | 0.82% | 0.74% | 0.66% | 0.69% | 0.72% | 0.74% |
| Interest Income | 11.85M | 12.07M | 11.76M | 11.6M | 11.22M | 11.6M | 11.55M | 10.9M | 10.5M | 10.51M | 10.13M | 9.55M | 9.09M | 8.91M | 8.39M | 7.57M | 6.91M | 7.24M | 7.31M | 7.21M |
| Interest Expense | 3.12M | 3.47M | 3.47M | 3.39M | 3.52M | 3.95M | 4.05M | 3.84M | 3.56M | 3.15M | 2.78M | 2.24M | 1.46M | 652K | 499K | 474K | 525K | 468K | 493K | 524K |
| Loan Loss Provision | 0 | 266K | 91K | -528K | 137K | -71K | 92K | -123K | -553K | 99K | -164K | -254K | 140K | 0 | -300K | -300K | -300K | -500K | 0 | 0 |
| Non-Interest Income | 0 | 4.26M | 3.97M | 3.85M | 3.11M | 3.65M | 3.65M | 3.99M | 3.13M | 3.03M | 2.99M | 3.27M | 2.86M | 2.6M | 3.62M | 2.8M | 3.37M | 2.7M | 2.52M | 2.79M |
| Non-Interest Income % | 0% | 26.09% | 25.24% | 24.9% | 21.7% | 23.92% | 23.99% | 26.81% | 22.97% | 22.38% | 22.79% | 25.5% | 23.91% | 22.57% | 30.1% | 27.01% | 32.8% | 27.15% | 25.61% | 27.94% |
| Total Revenue | 11.85M | 16.34M | 15.72M | 15.45M | 14.33M | 15.25M | 15.2M | 14.89M | 13.63M | 13.53M | 13.13M | 12.82M | 11.95M | 11.51M | 12.01M | 10.37M | 10.28M | 9.94M | 9.83M | 10M |
| Revenue Growth % | -17.32% | 7.14% | 3.47% | 3.75% | 5.16% | 12.66% | 15.77% | 16.18% | 14.08% | 17.61% | 9.3% | 23.57% | 16.16% | 15.81% | 22.19% | 3.74% | 7.99% | -4.76% | -2.14% | 4.22% |
| Non-Interest Expense | 9.22M | 9.11M | 8.94M | 9.19M | 9.64M | 9.3M | 8.59M | 8.51M | 7.9M | 8.23M | 7.92M | 7.67M | 7.88M | 8.46M | 8.63M | 7.33M | 7.39M | 7.68M | 6.99M | 6.95M |
| Efficiency Ratio | 77.8% | 55.75% | 56.88% | 59.5% | 67.27% | 60.99% | 56.5% | 57.11% | 57.97% | 60.84% | 60.35% | 59.81% | 65.96% | 73.51% | 71.9% | 70.69% | 71.82% | 77.28% | 71.11% | 69.54% |
| Operating Income | -485K | 3.49M | 3.22M | 3.4M | 1.04M | 2.07M | 2.46M | 2.67M | 2.72M | 2.05M | 2.59M | 3.17M | 2.47M | 2.4M | 3.17M | 2.87M | 2.67M | 2.29M | 2.35M | 2.52M |
| Operating Margin % | -4.09% | 21.36% | 20.47% | 21.99% | 7.25% | 13.58% | 16.21% | 17.9% | 19.97% | 15.16% | 19.72% | 24.71% | 20.68% | 20.82% | 26.44% | 27.63% | 25.99% | 23.05% | 23.87% | 25.22% |
| Operating Income Growth % | -146.68% | 68.55% | 30.6% | 27.46% | -61.83% | 0.88% | -4.83% | -15.82% | 10.16% | -14.36% | -18.46% | 10.5% | -7.56% | 4.63% | 35.34% | 13.64% | 16.57% | 8.69% | 28.69% | 149.21% |
| Pretax Income | 3.48M | 3.49M | 3.22M | 3.4M | 1.04M | 2.07M | 2.46M | 2.67M | 2.72M | 2.05M | 2.59M | 3.17M | 2.47M | 2.4M | 3.17M | 2.87M | 2.67M | 2.29M | 2.35M | 2.52M |
| Pretax Margin % | 29.36% | 21.36% | 20.47% | 21.99% | 7.25% | 13.58% | 16.21% | 17.9% | 19.97% | 15.16% | 19.72% | 24.71% | 20.68% | 20.82% | 26.44% | 27.63% | 25.99% | 23.05% | 23.87% | 25.22% |
| Income Tax | 705K | 766K | 466K | 694K | 197K | 452K | 474K | 518K | 535K | -56K | 511K | 633K | 487K | 442K | 601K | 574K | 534K | 431K | 465K | 508K |
| Effective Tax Rate % | 20.26% | 21.95% | 14.48% | 20.42% | 18.96% | 21.84% | 19.24% | 19.43% | 19.65% | -2.73% | 19.74% | 19.99% | 19.71% | 18.45% | 18.93% | 20.03% | 19.98% | 18.82% | 19.82% | 20.14% |
| Net Income | 2.77M | 2.72M | 2.75M | 2.7M | 842K | 1.62M | 1.99M | 2.15M | 2.19M | 2.11M | 2.08M | 2.53M | 1.98M | 1.95M | 2.57M | 2.29M | 2.14M | 1.86M | 1.88M | 2.01M |
| Net Margin % | 23.41% | 16.67% | 17.5% | 17.5% | 5.88% | 10.61% | 13.1% | 14.42% | 16.05% | 15.58% | 15.83% | 19.77% | 16.61% | 16.98% | 21.43% | 22.1% | 20.8% | 18.71% | 19.14% | 20.14% |
| Net Income Growth % | 229.45% | 68.29% | 38.29% | 25.88% | -61.5% | -23.24% | -4.23% | -15.23% | 10.23% | 7.88% | -19.27% | 10.56% | -7.25% | 5.11% | 36.84% | 13.8% | 16.57% | 8.71% | 29.37% | 145.31% |
| Net Income (Continuing) | 2.77M | 2.72M | 2.75M | 2.7M | 842K | 1.62M | 1.99M | 2.15M | 2.19M | 2.11M | 2.08M | 2.53M | 1.98M | 1.95M | 2.57M | 2.29M | 2.14M | 1.86M | 1.88M | 2.01M |
| EPS (Diluted) | 0.61 | 0.60 | 0.61 | 0.60 | 0.19 | 0.36 | 0.44 | 0.47 | 0.48 | 0.46 | 0.46 | 0.56 | 0.43 | 0.42 | 0.55 | 0.48 | 0.45 | 0.39 | 0.40 | 0.42 |
| EPS Growth % | 221.05% | 66.67% | 38.64% | 27.66% | -60.42% | -21.74% | -4.35% | -16.07% | 11.63% | 9.52% | -16.36% | 16.67% | -4.44% | 7.69% | 37.5% | 14.29% | 18.42% | 11.43% | 29.03% | 147.06% |
| EPS (Basic) | 0.61 | 0.60 | 0.61 | 0.60 | 0.19 | 0.36 | 0.44 | 0.47 | 0.48 | 0.46 | 0.46 | 0.56 | 0.43 | 0.42 | 0.55 | 0.48 | 0.45 | 0.39 | 0.40 | 0.42 |
| Diluted Shares Outstanding | 4.54M | 4.54M | 4.54M | 4.54M | 4.54M | 4.54M | 4.54M | 4.54M | 4.54M | 4.54M | 4.54M | 4.54M | 4.62M | 4.63M | 4.68M | 4.74M | 4.74M | 4.74M | 4.74M | 4.75M |