Bank of the James Q4 net income falls to $1.62M from $2.11M; full year EPS $1.75, dividend declared

BANK OF THE JAMES FINANCIAL GROUP INC

2024-FY EPS reported $1.75 revenue$4,003,000

Q4 2024 net income $1.62M ($0.36 per share) vs $2.11M ($0.45) a year ago.
Full year 2024 net income $7.94M ($1.75 per share) vs $8.70M ($1.91).
Net interest margin expanded to 3.18% in Q4 from 3.02% in Q2 2024.
Noninterest income up 18% to $15.14M; wealth management fees $4.84M.
Quarterly dividend of $0.10 per share declared, payable March 21, 2025 to holders of record March 7.

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