---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-21-000369"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2021-10-22T23:59:59+00:00"
generated_at: "2026-06-28T18:44:19.939380+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Bank of the James Q3 net income $1.88M, EPS $0.40; declares $0.07 dividend

## Summary
- Net income $1.88M ($0.40 diluted EPS) vs $1.45M ($0.30 EPS) year ago; 9-month net $5.73M ($1.21 EPS).
- No provision for loan losses in 2021; nonperforming loans 0.32% of total loans.
- Dividend of $0.07/share declared, payable Dec 10 to holders of record Nov 26.
- Total deposits rose to $853.8M from $765.0M at Dec 31, 2020; core deposits 84% of total.
- Michael Syrek named President of Bank; Robert Chapman remains CEO of Company and Bank.

## SEC filing metadata
- accession: 0001562762-21-000369
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2021-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1275101/000156276221000369/0001562762-21-000369-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000156276221000369/botj-20211019x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-21-000369
- JSON: https://secwatch.observer/filing/0001562762-21-000369.json
- Plain text: https://secwatch.observer/filing/0001562762-21-000369.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.