---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-23-000169"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2023-04-21T23:59:59+00:00"
generated_at: "2026-06-16T21:11:10.253737+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Bank of the James Q1 net income $1.98M ($0.43/shr) vs $2.14M; declares $0.08 dividend, ends stock repurchase plan

## Summary
- Net income $1.98M, EPS $0.43, down from $2.14M ($0.45) a year ago.
- Net interest income up 20% YoY; total interest income $9.10M (+32%).
- Loans net of allowance $618.22M; deposits $864.44M; nonperforming loans only 0.02%.
- Dividend $0.08/shr payable June 16, record June 2.
- Repurchased 68,619 shares in Q1 at avg $11.85; plan terminated after using nearly all $998K.

## SEC filing metadata
- accession: 0001562762-23-000169
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2023-04-21T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1275101/000156276223000169/0001562762-23-000169-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000156276223000169/botj-20230418x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-23-000169
- JSON: https://secwatch.observer/filing/0001562762-23-000169.json
- Plain text: https://secwatch.observer/filing/0001562762-23-000169.txt

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