---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-22-000299"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2022-07-22T23:59:59+00:00"
generated_at: "2026-06-24T09:29:14.817560+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Bank of the James Q2 net income rises 14% to $2.29M; declares $0.07 dividend and $500K buyback

## Summary
- Net income Q2 2022 $2.29M ($0.48/sh) vs $2.01M ($0.42/sh) in Q2 2021; record quarterly earnings.
- Net interest income after recovery of loan losses: Q2 $7.4M (+10% YoY); first half $14.1M.
- Loan portfolio grew ~$18M in Q2 to $607.32M; nonperforming loans only 0.14% of total loans.
- Board declared $0.07/sh quarterly dividend (payable Sept 16, 2022) and approved $500K stock repurchase plan.
- Book value per share fell to $11.25 from $14.05 due to $21.26M unrealized loss on securities portfolio.

## SEC filing metadata
- accession: 0001562762-22-000299
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2022-07-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1275101/000156276222000299/0001562762-22-000299-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000156276222000299/botj-20220719x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-22-000299
- JSON: https://secwatch.observer/filing/0001562762-22-000299.json
- Plain text: https://secwatch.observer/filing/0001562762-22-000299.txt

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