{"schema_version":"secwatch.filing_event.v1","accession":"0001562762-24-000185","form_type":"8-K","ticker":"BOTJ","cik":"0001275101","company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","filed_at":"2024-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.440031+00:00","generated_at":"2026-05-31T15:39:15.720197+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Bank of the James Q2 net income $2.15M ($0.47 EPS), down 15% YoY; declares $0.10 dividend","bullets":["Net income $2.15M ($0.47/share) vs $2.53M ($0.56) YoY; first-half $4.34M ($0.95) vs $4.52M ($0.99).","Net interest income after recovery of credit losses $7.21M (Q2), $14.72M (first half); net interest margin 3.02%.","Total interest income up 14% to $10.94M (Q2) on higher loan yields; noninterest income rose 22% to $4.19M.","Loans net of allowance $616.09M (+2.4% from Dec 2023); deposits $884.90M; nonperforming loans 0.13% of loans.","Quarterly dividend $0.10/share payable Sept 20, 2024 to holders of record Sept 6, 2024; book value $13.58."],"urls":{"canonical":"https://secwatch.observer/filing/0001562762-24-000185","json":"https://secwatch.observer/filing/0001562762-24-000185.json","markdown":"https://secwatch.observer/filing/0001562762-24-000185.md","text":"https://secwatch.observer/filing/0001562762-24-000185.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275101/000156276224000185/0001562762-24-000185-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275101/000156276224000185/botj-20240726x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T15:39:15.720197+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"}