{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-24-000017","form_type":"8-K","ticker":"BOTJ","cik":"0001275101","company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","filed_at":"2024-02-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.649715+00:00","generated_at":"2026-06-06T09:46:00.819402+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Bank of the James reports Q4 EPS $0.45, declares 25% dividend increase to $0.10/share","bullets":["Q4 net income $2.06M ($0.45 EPS) vs $1.96M ($0.42 EPS) in Q4 2022; full-year EPS flat at $1.91.","Total interest income up 24% for full year; net interest margin improved to 3.29% from 3.23%.","Asset quality strong: nonperforming loans ratio 0.06%, zero OREO.","Book value per share rose to $13.21 from $10.85; board declared $0.10 quarterly dividend, up 25%."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-24-000017","json":"https://secwatch.observer/filing/0001562762-24-000017.json","markdown":"https://secwatch.observer/filing/0001562762-24-000017.md","text":"https://secwatch.observer/filing/0001562762-24-000017.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275101/000156276224000017/0001562762-24-000017-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275101/000156276224000017/botj-20240202x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T09:46:00.819402+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}