---
schema_version: "secwatch.filing_event.v1"
accession: "0001562762-23-000283"
form_type: "8-K"
ticker: "BOTJ"
cik: "0001275101"
company_name: "BANK OF THE JAMES FINANCIAL GROUP INC"
filed_at: "2023-07-21T23:59:59+00:00"
generated_at: "2026-06-13T04:49:46.102971+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Bank of the James Q2 net income up 10% to $2.53M; declares $0.08 dividend

## Summary
- Q2 net income $2.53M ($0.56 EPS) vs $2.29M ($0.48 EPS) a year ago.
- Net interest income after recovery of credit losses $7.60M vs $7.42M.
- Noninterest income up 14% to $3.44M, driven by service charges and wealth management.
- Asset quality strong: NPLs/loans 0.07%, allowance 1.23%.
- Board declared $0.08 per share quarterly dividend, payable Sept 15, record Sept 1.

## SEC filing metadata
- accession: 0001562762-23-000283
- form_type: 8-K
- ticker: BOTJ
- cik: 0001275101
- company_name: BANK OF THE JAMES FINANCIAL GROUP INC
- filed_at: 2023-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1275101/000156276223000283/0001562762-23-000283-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1275101/000156276223000283/botj-20230718x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-23-000283
- JSON: https://secwatch.observer/filing/0001562762-23-000283.json
- Plain text: https://secwatch.observer/filing/0001562762-23-000283.txt

## Key facts
- Earnings Releases
  BANK OF THE JAMES FINANCIAL GROUP INC reported six months ended June 30, 2023 results: net income $4.52 million, EPS $0.99.
  - Period: six months ended June 30, 2023
  - Net income: $4.52 million
  - EPS: $0.99
  - Result: reported results
  source text: Net income for the six months ended June 30, 2023 was $4.52 million or $0.99 per basic and diluted share compared with $4.43 million or $0.93 per basic and diluted share for the six months ended June 30, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1275101/000156276223000283/0001562762-23-000283-index.htm

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