secwatch.observer — SEC 8-K summary
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Issuer:     BANK OF THE JAMES FINANCIAL GROUP INC (BOTJ)
CIK:        0001275101
Form:       8-K
Filed at:   2021-07-26T23:59:59+00:00
Accession:  0001562762-21-000271
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Bank of the James Q2 net income $2.01M ($0.42 EPS), up from $821K ($0.17) YoY
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1275101/000156276221000271/0001562762-21-000271-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1275101/000156276221000271/botj-20210723x8k.htm
  HTML page:      https://secwatch.observer/filing/0001562762-21-000271

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer