{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-23-000035","form_type":"8-K","ticker":"BOTJ","cik":"0001275101","company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","filed_at":"2023-02-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:44.190747+00:00","generated_at":"2026-06-19T23:54:00.310316+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Bank of the James posts record annual net income of $8.96M, EPS $1.91; approves $998K buyback","bullets":["Q4 net income $1.95M ($0.42/sh), up 5% YoY; FY2022 net income $8.96M ($1.91/sh), up 18% YoY.","Net interest margin expanded to 3.67% in Q4; ROAA 0.91% and ROAE 15.59% for FY2022.","Nonperforming loans to total loans improved to 0.10% from 0.16%; allowance for loan losses 1.02%.","Board approved up to $998K stock repurchase plan from Mar 8, 2023 to Mar 7, 2024.","Quarterly dividend of $0.08/sh declared, payable Mar 17, 2023 to holders of record Mar 3, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-23-000035","json":"https://secwatch.observer/filing/0001562762-23-000035.json","markdown":"https://secwatch.observer/filing/0001562762-23-000035.md","text":"https://secwatch.observer/filing/0001562762-23-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275101/000156276223000035/0001562762-23-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275101/000156276223000035/botj-20230206x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T23:54:00.310316+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"db8d8840fcc1a42c04d9dabf5f2837678dcbf060","claim":"BANK OF THE JAMES FINANCIAL GROUP INC reported the 12 months ended December 31, 2022 results: net income $ 8.96 million, EPS $ 1. 91 per basic and diluted share.","evidence_excerpt":"Net income for the 12 months ended December 31 , 2022 was a Company record $ 8.96 million or $ 1. 91 per basic and diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1275101/000156276223000035/0001562762-23-000035-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the 12 months ended December 31, 2022"},{"label":"Net income","value":"$ 8.96 million"},{"label":"EPS","value":"$ 1. 91 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"eb90f7056d3f60aa9236aebc3c8751fbc2cec4ac","claim":"BANK OF THE JAMES FINANCIAL GROUP INC reported the three months ended December 31, 2022 results: net income $ 1.95 million, EPS $0. 42 per basic and diluted share.","evidence_excerpt":"Net income for the three months ended December 3 1 , 2022 was a record $ 1.95 million or $0. 42 per basic and diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1275101/000156276223000035/0001562762-23-000035-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$ 1.95 million"},{"label":"EPS","value":"$0. 42 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}