---
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"
generated_at: "2026-05-31T15:39:15.720197+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 Q2 net income $2.15M ($0.47 EPS), down 15% YoY; declares $0.10 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001562762-24-000185
- JSON: https://secwatch.observer/filing/0001562762-24-000185.json
- Plain text: https://secwatch.observer/filing/0001562762-24-000185.txt

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