{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-21-000271","form_type":"8-K","ticker":"BOTJ","cik":"0001275101","company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","filed_at":"2021-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:17.477241+00:00","generated_at":"2026-06-30T02:29:27.810919+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Bank of the James Q2 net income $2.01M ($0.42 EPS), up from $821K ($0.17) YoY","bullets":["Net income $2.01M, diluted EPS $0.42 for Q2 2021 vs $0.17 in Q2 2020 (adjusted for 10% stock dividend).","H1 2021 net income $3.85M ($0.81 EPS) vs $1.82M ($0.38 EPS) prior year.","No provision for loan losses in Q2 2021; noninterest income rose 9% to $3.05M on mortgage gains.","Nonperforming loan ratio 0.33%; allowance to loans 1.20% (1.29% ex-PPP). Deposits up 7% to $819.4M.","Quarterly cash dividend $0.07/share declared, payable Sept 17, 2021 to holders of record Sept 3, 2021."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-21-000271","json":"https://secwatch.observer/filing/0001562762-21-000271.json","markdown":"https://secwatch.observer/filing/0001562762-21-000271.md","text":"https://secwatch.observer/filing/0001562762-21-000271.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275101/000156276221000271/0001562762-21-000271-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275101/000156276221000271/botj-20210723x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T02:29:27.810919+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}