---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-22-000189"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2022-04-22T23:59:59+00:00"
generated_at: "2026-06-26T05:17:26.331183+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 Q1 net income $2.14M ($0.45 EPS), up 16% YoY; declares $0.07 dividend

## Summary
- Net income $2.14M ($0.45 EPS) vs $1.84M ($0.38) in Q1 2021; revenue not separately disclosed.
- Total noninterest income rose 49% to $3.63M, including $1.02M from Pettyjohn, Wood & White.
- Nonperforming loans ratio improved to 0.14% of total loans; loan loss recovery of $300,000.
- Quarterly dividend of $0.07 per share, payable June 17, 2022 to holders of record June 3, 2022.
- Book value per share $12.78; ROAE 12.27% (up from 11.49%) and ROAA 0.89% (up from 0.85%).

## SEC filing metadata
- accession: 0001562762-22-000189
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2022-04-22T23:59:59+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/1275101/000156276222000189/0001562762-22-000189-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000156276222000189/botj-20220419x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-22-000189
- JSON: https://secwatch.observer/filing/0001562762-22-000189.json
- Plain text: https://secwatch.observer/filing/0001562762-22-000189.txt

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