---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-22-000029"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2022-02-15T23:59:59+00:00"
generated_at: "2026-06-27T07:52:35.619384+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bank of the James reports record annual net income of $7.59M; Q4 EPS $0.39

## Summary
- Net income $7.59M ($1.60 diluted EPS) in 2021 vs $4.98M ($1.04) in 2020; Q4 net income $1.86M ($0.39) vs $1.71M ($0.36).
- No loan loss provision in 2021; $500K recovery in Q4; nonperforming loans ratio 0.16%.
- Total deposits grew 16% to $887.1M; core deposits 83% of total.
- Declared $0.07/share quarterly dividend payable Mar 18, 2022 to holders of record Mar 4.
- Completed acquisition of Pettyjohn, Wood & White (investment advisor, $650M AUM) on Dec 31, 2021 for $10.5M.

## SEC filing metadata
- accession: 0001562762-22-000029
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2022-02-15T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1275101/000156276222000029/0001562762-22-000029-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000156276222000029/botj-20220211x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-22-000029
- JSON: https://secwatch.observer/filing/0001562762-22-000029.json
- Plain text: https://secwatch.observer/filing/0001562762-22-000029.txt

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