{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-24-000100","form_type":"8-K","ticker":"BOTJ","cik":"0001275101","company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","filed_at":"2024-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:17.675069+00:00","generated_at":"2026-06-03T06:18:44.363058+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"BOTJ Q1 net income $2.19M ($0.48 EPS) vs $1.98M a year ago; declares $0.10 dividend","bullets":["Net income of $2.19M, $0.48 per share, vs $1.98M ($0.43) in Q1 2023; earnings per share up 11.6% YoY.","Net interest margin narrowed to 3.02% from 3.48% YoY; total interest income rose 15.5% to $10.51M.","Nonperforming loans ratio remained low at 0.09%; recovery of credit losses of $553K vs $140K provision a year ago.","Total deposits increased to $893.5M at March 31, 2024 from $878.5M at Dec 31, 2023; core deposits >70%.","Book value per share rose to $13.30 from $13.21 in Dec 2023; quarterly dividend of $0.10 declared."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-24-000100","json":"https://secwatch.observer/filing/0001562762-24-000100.json","markdown":"https://secwatch.observer/filing/0001562762-24-000100.md","text":"https://secwatch.observer/filing/0001562762-24-000100.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275101/000156276224000100/0001562762-24-000100-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275101/000156276224000100/botj-20240426x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T06:18:44.363058+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":"fb969a2ff9c0c8ec61b22789c4249e3614c69cd4","claim":"BANK OF THE JAMES FINANCIAL GROUP INC reported for the three months ended March 31, 2024 results: revenue 10.51 million, net income 2.19 million, EPS 0.48.","evidence_excerpt":"2023. The recovery in 2024 was driven in part by a de cline in loans and continuing evaluation of risks inherent within the loan portfolio . Total interest income increased to $10.51 million in the first quarter of 2024 compared to $9.10 million in the first quarter of 2023 . The year-over-year increase primarily reflected the Company’s ongoing upward adjustments to","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1275101/000156276224000100/0001562762-24-000100-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"for the three months ended March 31, 2024"},{"label":"Revenue","value":"10.51 million"},{"label":"Net income","value":"2.19 million"},{"label":"EPS","value":"0.48"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}